23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Due respect after unknown about this XX/XX/XXXXAccount XXXX in my name after I try to get a loan from a banking institution I called the above said mentioned company to have their allegation sent to me there is a card was open in my name on the XX/XX/XXXX which I know nothing about in the sum of {$1.00} I contacted the XXXX major bureau with all the credentials the asked for Experian is still reporting this adverse on my credit report which give me a negative impact to my small business which I am trying to buy I send copies of letters with the fraudulent signature for this action XXXX XXXX as remove it XX/XX/XXXX as remove it in XX/XX/XXXX Experian had reinvestigate their finding is unchanged as a crime victim my information my PII is still compromised after every thing i tried with this credit bureau I have so many hard inquiry trying to get resources for my business I have proof that I did do this the only thing should be showing on my credit report is my equity loan on my home, XXXX XXXX, XX/XX/XXXX d,XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX all my other account are paid in full am only usingXX/XX/XXXX percent of my cards yet still because of this act I am so confused I need to get some help to advance in getting resource to help me get my foster parenting home Thank you for my concerns
Product: Checking or savings account

on XX/XX/2023 i deposited a check into my account from a customer/associate for a car that he purchased from me.the BOA put a 7 day hold on the check the funds were collected from the other party account the next day! 5 days into the check being held on my account i was informed that BOA was closing my account due to me depositing a counterfeit check .upon talking to BOA XXXX informed them that the check was a real check and provided them information to get in contact with the maker they gave me a XXXX business day period to let me know what the out come will be i also provided BOA with a notarized letter from the maker of the check. so now BOA has not released my funds they are saying my account is going threw a closer process i informed them that i want my account closed now! i asked if the funds can be returned to the organs or where they came from BOA has not given me any answers and they still have the money all i ask for the, to do is return the money or give me access to my account the amount is XXXX $ $
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

In the XXXX week or XXXX of XX/XX/XXXX, collection agency, XXXX MAILED me court papers which said on the XXXX page to contact them and resolve prior to court date. And, make payment arrangements. I did. I am a XXXX Veteran. I was in recovery from hospitalization and I did not have a wheelchair to be in court. This is why I made PRIOR ARRANGEMENTS according to court papers mailed to me. I called the phone number and was in contact with someone at collection agency who set up the agreement for my file # and sent the contract for me to sign. I sent signed contract back along with payment and paid according to contract. XXXX of the medical bills was from 9 YEARS AGO IN XX/XX/XXXX while the other few were medical bills from 1 YEAR AGO OR 1 MONTH AGO and were medical bills not even sent to me because BANNER HEALTH took over XXXX XXXX XXXX and their computers were letting everyone 's medical bills in the community slip to local collection agencies. I did not know for 3 years my AGREEMENT/CONTRACT/PAYMENT/AND PAID IN FULL VERIFICATION FROM WAKEFIELD was XXXX and the XXXX XXXX XXXX XXXX were e-filing a judgment that showed an amount less than a satisfied Agreement/Contract/Payment with overpayment of {$75.00} never reimbursed by this collection agency. Injustice and lies to a court were done by this collection agency.
Product: Debt collection

On XX/XX/2020 XXXX smile dental group send me the final bill for {$420.00}. I did dispute but they send me to the collection agency ( Amer ASSIST Solution Inc ) XXXX XXXX and they send me the bill for {$380.00}. I tried to log in to make a payment online but no luck. Therefore I called them to make a payment via a credit card they said they don, t accept. It should be check and asked for my checking account information. I told her to charge for {$380.00}. But the next day I notice they used my account information on a false check with someone else name and were purchasing products in stores for {$300.00}. I did call them back and share the problem with them this time a manager and from Amer Assist answered and i paid {$380.00} but again I notice another transaction on my account for the amount of {$310.00}. I called my bank and told them the story, they did credit me for {$380.00} and XXXX but not the {$300.00}. I called the XXXX XXXX group and explained what happened to me and asked them to get my name out of this collection but she said she can not do anything. I feel I owe the collection agency or XXXX dental-only {$27.00} since I was already scammed for {$300.00}. I do not want the collection agency to send me bill since i am trying to solve this with the XXXX XXXX XXXX.
Product: Checking or savings account

I received a letter dated XX/XX/23 from a company claiming to be Synchrony Bank. They stated my account ending XXXX has been closed due to a recent review of the account. I didn't recall any account with that number, but I do have a store credit card through Synchrony. Also, I have recently placed a fraud alert on my credit report so I thought Synchrony was sending this letter in response to that. The letter gave the phone number XXXX so I called and after speaking to them for a few minutes, I realized they were not the real Synchrony Bank. I hung up and then called Synchrony Bank customer service to report it. They confirmed that the letter is a scam.
Product: Money transfer, virtual currency, or money service

I was scammed and sent {$100.00} to someone through Wells Fargo. I called them within 15 minutes and was told that the money had not been transferred yet and not to worry. They sent the scammer my {$100.00} and XXXX cant get it back.
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 under 15 USC 1681. 

XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX, has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XX/XX/XXXX as well as XX/XX/XXXX I contacted all 3 credit bureaus in regards to fraudulent accounts on my credit reports. I also contacted Bank of America about the {$4500.00} on my credit in XX/XX/XXXXand was told there were no accounts in my name or under my social. I never signed anything for this account. XXXX XX/XX/XXXX in the amount of {$20000.00} was not opened by me and I never signed for this account. I tried reaching someone about this but no response received. XXXX account {$510.00} was not opened by me. I filed a dispute for this account XX/XX/XXXX. My identity and social security card was stolen.
Product: Credit card

To Whom it May Concern, I closed my account from your credit card company ( I was a card holder for 21 years ), when I first was a member, the interest rate was a fixed rate of 14 % ( estimated ), in XXXX the interest rate was changed from fixed rate to variable without my clear knowledge ( you probably put it in a bill in the fine print and it was probably overlooked ). You have increased your interest rates continuously since. This XXXX is when I closed my account, the decision to close the account was made in large part due to multiple conversations with your employees who informed me ( either erroneously or fraudulently ) that closing the account would stop the interest rates as the interest rate are being called 'interest charged on purchases ' ( pretty hard to charge purchases when the account is closed ). So instead of paying against the balance ( {$18000.00} ), we are paying against the interest ( it went up again from 19.98 % to 20.24 % ), so when we make our next payment of {$490.00}, only {$170.00} will go toward the balance, the remaining amount of {$310.00} goes toward an interest rate ( looks like pure profit ). Nobody likes to be deceived, nobody likes being giving bad information which results in bad decisions. We pay our bills, we are honest, to be treated unfairly is frustrating beyond belief. I know I will probably be told that it is too bad, I just wanted you to know how bad I believe your company is. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to be deceived like this is enraging.
Product: Mortgage

BSI never removed a XXXX put on my property after loan ( XXXX ) was paid/satisfied in XXXX of XXXX. Property was in escrow and now can not be sold whereby I am losing hundreds of thousands of $ $ $ daily. I have contacted their CS Dept who has acknowledged that BSI dropped the ball on this. BSI CS has advised they are dealing with their " shadow '' internal " ROL Dept (? ) '' to get this resolved. However- the ROL Dept supervisor XXXX XXXX states she is actively working with their " vendor '' ( who also seems to be a shadow entity ) to get this resolved. Yet this tells me nothing more. No ETA - where they are at - NOTHING. I will not standby and have this happen to me and have retained legal counsel on standby if this does not get resolved ASAP. I have also contacted ( 6 ) of BSI 's Leadership/Sr Mgmt officers of the company with formal complaints as of today. I also will be reporting them to the Consumer Affairs & to the XXXX. In addition - I have COntacted XXXX XXXX XXXX XXXX who is the end client of BSI 's. They have advised they too are not getting anywhere with them. I also see that BSI was sued back in XXXX of XXXX for poor loan servicing practices to name a few. It seems that new leadership needs to be at the helm with all these poor reviews and having had a subsequent lawsuit that will no doubt result in more.
Product: Debt collection

Credit Collection Services has been harassing me via text and mail in regard to a debt that I do not owe them. 
I have never opened an account with them and do not owe them anything. 
The collection is in the amount of {$710.00}. 
I have requested a debt validation letter requesting the payment address if the original creditor. I requested the Original Signed Contract between me and the original creditor. I requested a full payment history of the account " Not a copy of 1 Statement ''. I requested proof of ownership, assignment, authority to collect, license to collect and license to collect in my state of Texas. 
I have not received any of those items. 
I never entered into a contract with Credit Collections Services. 
I have not received any of the items requested. 
They sent threating letters stating they are going to report adverse credit information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago, while I was suffering from  XXXX , a local unscrupulous attorney conned my wife into filing for bankruptcy. I was unaware of the filing and did not sign any paperwork. The attorney encouraged my wife to sign my name. I discovered this filing a few months ago by reviewing my credit report for another purpose. The credit bureau has refused to remove the negative information so I asked to place a personal statement in the file and I provided  one  to them. This statement has not been posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to ask that you assist with the deletion of all unauthorized inquiries, derogatory remarks, and closed accounts, also fraudulent items that I have found in my credit report. I have reached out to all 3 credit bureaus to report these items but have yet received any resolution. I sent the attached letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response to my request. Prior to my letter your office confirmed my identity with the attached documents and informed me that the information was returned to you verified. Upon receipt of your attached noticed, I kindly asked that you provided the method in which you used to verify the inaccurate information located in my credit file. I received a response from your office informing me that you believed I was not the individual making the request and would not investigate further after you had already been in correspondence with me on this matter. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it blatantly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from your credit report, it has been over 30 days so it should be removed immediately. The accounts that are being requested to be removed are as follows : XXXX. XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Debt collection

XXXX XXXX continue to charge enormous charges on an old account that I had with them in 2010. I am also apart of a class-action law suit against them for overcharging consumers. the company has XXXX different account on my credit report that is affecting my credit and damaging my credibility. Every time I check my credit report there are increasing charges add to my account.
Product: Bank account or service

Hello CFPB, I am a customer with Citibank. I use their website to access bank account like millions of other people do it. I have raised an issue with them that their log-in process is less secure due to the fact their password mechanism is no longer case-sensitive. It will make accessing online accounts a lot faster and easier for people who have ill-intentions. I have contacted them through their internal messaging system, but have not received a satisfactory resolution to the problem. I.e. they have not fixed their password bug after I repeatedly reported the problem to them. I would like for Citibank to take this seriously and resolve this issue in a timely manner. 

Thank you for reading, XXXX
Product: Student loan

I have 3 different student loans that were given/sold to Mohela and are now being processed through the company. I have tried reaching out to ensure my auto-debit payment reflects all three accounts. It should be a total of {$300.00}. However, the first time they were supposed to process the payment, they did not, making it late. I had to call and make a payment. Looking at my account, the called-in payment was posted but did not pay all three accounts. This payment was not needed because my account was put in forbearance. I am frustrated because I have received many messages that say different payment amounts, different pay dates, notices that do no have enough time allotted, and forbearance enrollment. I have tried to call and sat on the phone for 60+ minutes to have the call disconnected. I am frustrated with the process. I am so close to meeting the requirements for PLSF, I do not need a company that is overwhelmed, mess things up for me!
Product: Checking or savings account

Wells fargo closed my account because they said fraudulent activity was detected they claimed to of sent the money somewhere else but I do t know what happened officially .it was over XXXX XXXX dollars.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the following student loans from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I understand that under the Family Educational Rights and Privacy Act ( FERPA ), student education records are protected and should not impact my credit history. According to 34 CFR Part 99, Subpart B, students have the right to inspect and review their education records. However, the presence of student loan information on my credit report violates this right and can negatively affect my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I mailed a Method of Validation letter to Equifax, exercising my rights as under the FCRA. In my letter I demanded to know specifics of how this bureau arrived at the conclusion that the alleged accounts were verified and therefore listed on my report as accurate. As XXXX XXXX XXXX states, verified means Confirmation of correctness, truth or authenticity by affidavit, oath or deposition. There has been no evidence that this has been followed in any matter. The credit bureau can SAY something has been verified but that does not mean any procedure was followed in ensuring that verification took place. 
It is my understanding that the credit bureaus routinely use a Consumer Dispute Verification Form in attesting to the accuracy of any alleged accounts. Anyone can SAY they obtained verification for one of these forms without checking into the accuracy of the alleged account. 
In accordance with my rights, I sent a letter to Equifax stating that they have not responded in a timely manner and therefore are to delete the following accounts : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( 2 accounts ) I am sending this message to the CFPB to monitor and ensure action is taken to satisfactorily resolve this matter.
Product: Debt collection

Suttell, Hammer XXXX XXXX collection agency submitted judgement to court in 2004 for supposedly on account we had with XXXX XXXX, in the amount of {$7700.00}, at 12.0000 % interest. Since 2004 they have been garnishing my pay for this. After 11 years you would think this has been paid off a while ago. We have noticed for years they will start and stop garnishment. Never sending us any kind of accountability how much was taken out or balance owing. Every XXXX they start garnishing my wages for a month or so, then it stops. We never hear from them again until they start a new writ the end of XXXX. We get paperwork in the mail. Also enclosed is a Wage Garnishment Exemption Claim, stating we have 28 days/4 weeks to respond. They never give us a chance to respond, because they have already submitted collections to my payroll. We see what they are doing. They are taking so much out, leaving a balance to keep adding interest on for a year then send to payroll for collections. Why ca n't after each time they take money from me, I get a balance from them so I can go ahead and pay in full? When I got this on Thursday, I called and asked this question and nobody wants to respond to this. They are nickel and finding me. I called XXXX years ago and was told this account had been written off many years ago and they have no record of payments. I called and told XXXX this and they told me it does not matter and when I had asked for contact to XXXX they would not give to me. I had to find contact myself. I feel after 11 years of supposedly paying off a {$7700.00} debt this should have been paid off a long time ago. We feel they are taking advantage and just trying to get as much money from us as they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a number 3. You ( XXXX, XXXX, Experian ) assumed this role without permission. Not only that, you did not have my consent, you guys did not respect my right to privacy which is under 15 USC 1681a number 4. You did not exercise your grave responsibility. You were unfair and you were partial. I have already taken the liberty to file a CFPB report and an Attorney Generals complaint. You never had permissible purpose under 15 USC 1681b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What Im demanding is that you delete inaccurate information such as ALL inquirys and XXXX XXXX account it says the account was charged off in XXXX. 90 days late in XXXX and closed in XXXX. How can that be? The entire account is inaccurate, on XXXX, XXXX, and Experian and has been for 2 years and has caused me serious harm. See attachments as proof. 

( 2 ) The term serious harm means any harm, whether physical or nonphysical, including psychological, financial, or reputational harm, that is sufficiently serious, under all the surrounding circumstances, to compel a reasonable person of the same background and in the same circumstances to perform or to continue performing labor or services in order to avoid incurring that harm. 

Source : 18 USC 1589 ( c ) ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports |
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX collection agency for XXXX XXXX erroneously placed a collection account of {$510.00} for XXXX XXXXXXXX Account XXXX on my 3 credit reports ( XXXX, XXXX, and Equifax ) as per XXXX XXXX letter dated XX/XX/XXXX. 

Conversely, on XX/XX/XXXX XXXX sent me notification stating that final balance of {$510.00} for XXXX  XXXX Account XXXX have been TRANSFERRED to my current XXXX account. {$510.00} foXXXX XXXX  XXXX Account XXXX is on my current XXXX  XXXX account. 

This XXXX XXXX collection agency account must therefore be REMOVED from my 3 credit reports ( XXXX, XXXX, and Equifax ).
Product: Credit reporting or other personal consumer reports

Mohela ss # XXXX It has come to my attention that negative items are being reported on my credit to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Trans Union is reporting inaccurate information on my personal credit report. I have a letter from the Creditor stating that information was reported inaccurately.