23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ATTENTION : C.E.O. of Vystar Credit Union XXXX XXXX XXXX XXXX XXXX, FL XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2022 CEASE AND DESIST NOTICE To whom this may concern, I was looking through my consumer report and noticed that an account with the account number listed XXXX is furnished by Vystar Credit Union on my consumer credit reports, as a charge off inquiry. Vystar Credit Union cant report something as both income and debt. 
Its illegal to furnish income on a consumer report, A charge off according to the Internal Revenue Service is income and Vystar Credit Union must fill a form 1099-C ( please provide me with a copy ). 
Vystar Credit Union has furnished a deceptive form to create a false belief in me as a consumer by reporting information that resulted in defamation of my character, creating a false impression that I was unable to pay the alleged debt. 
Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against. 
Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. 
I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. 
This includes eliminating our account from your records, discontinuing and retracting reports to all credit reporting bureaus, and ceasing all communications to me by mail EXCEPT to resolve this matter. Please write me at the address listed on how you plan to resolve this matter no later than 30 days after receiving this letter via certified mail receipt. 
I hereby grant your company, the opportunity to remedy this matter by doing the following : 1. Deletion from all consumer reports.

2. Provide Copy Of 1099-C form If you accept my request, I will not escalate matter to Federal Court or Complaint. In case, you dont accept the above requests, legal action will be taking against your company for compensatory damages. 

Kindly govern yourself accordingly. 
Respectfully, Without Prejudice, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

Here are the accounts mentioned above : XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX  XXXX Balance XXXX {$8200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Equifax. I have a chapter  XXXX  on my report from   XXXX   I have done a lot of research and for a   XXXX   XXXX   it should have been dropped in 7 years. I have gone to Equifax several times to take this off my record, but Equifax will not. This has been taken off the other  XXXX  main credit companies. I would like for your company to have this removed from my account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting unverified/unvalidated and/or unverified and libelous information on my credit report. Multiple requests were sent to have all information verified by reporting companies with no lawful return or compliance to Fair Credit Reporting Act rules/regulations. These false unverified and unlawful reports are damaging, obstructive, and libelous. Multiple attempts to have them verify or remove reports have been unanswered. ( See dispute/complaint record. )
Product: Credit reporting or other personal consumer reports

I pull my credit report and see a hard injuries an my report from XXXX XXXX XXXX  XX/XX/year>. This hard injuries was not authorize by me.
Product: Credit reporting or other personal consumer reports

I submitted all documents to remove off my credit with all the forms that were requested & required. The law states in XXXX XXXX  cases companies have 4 days to remove everything, your company did not, when I would call everyone I spoke to was rude & just kept repeating themselves & not helping me. I have been extremely frustrated over this none of the other credit companies gave me a hard time & I handed in everything that was required & requested. Your company acted like my voice wasnt enough or the voice of a XXXX XXXX advocate.
Product: Debt collection

I went to a medical facility for treatment and incurred a debt. At the time I requested to pay my portion but was told it had to be filed with my insurance first. I never received a bill, an EOB from XXXX, nor any phone calls or emails informing me of my owed portion. I only became aware of it, when I checked my credit report to notice my score had dropped some XXXX points. I was never given the chance to pay the debt, and even when I pay it now my XXXX XXXX will be affected for months.
Product: Debt collection

Lawsuit and judgment filed against me for a defaulted credit card from Barclays Bank in XXXX XXXX Court Arizona. Owed amount is {$2500.00}. Police officer in XXXX served my girlfriend at the time I was not home 2x with the judgement which clearly violates the FDCPA. I have documentation to support. I want this debt cleared or I will counter sue for violations seeking {$1500.00} per violation as I am a careered XXXX XXXX and know all the laws of the FDCPA.
Product: Debt collection

The caller ID shows medicredit. It's an XXXX bill I can not pay. They have called me XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 ; and now today just a few minutes ago on XX/XX/2021. 

I am also suspicious that they have sold my information to scammers/robo callers because these random phone calls didn't start until the hospital transferred my information over to their agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 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 a account without my written instructions.
Product: Debt collection

The original debt owed was less than {$200.00} from XXXX. The debt was paid, however, a small balance of roughly a few dollars remained because the agent paid it off incorrectly. This balance was transferred to a collection agency for around {$1000.00}. I disputed the debt and got it taken off as they acknowledged it was a false debt. Since then, somehow the current collection agency has purchased the debt and the debt is now somehow over {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1666 d treatment of credit bal. refund demanded, 18/ usc 8 obligations of the u, s, a please no more 15 usc 1692 j XXXX. forms, block remove infor and delete fraud
Product: Credit reporting or other personal consumer reports

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

I looked at my Equifax credit report on XX/XX/ and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I am set up on Automatic Loan payments to be drafted each month from my checking account. My due date is the XXXX of every month. After asking why they charged a fee to make on-time payments on-line, I was told I could make the pmts for free if I sign up for XXXX online & can choose the option to have the funds deducted exactly 16 days after my due date, which is my grace period for no late charges. I chose this option because it best coincided with my pay dates. However, on XX/XX/XXXX and again on XX/XX/XXXX, the monthly pmt was taken early. In XXXX, it was deducted on the XXXX when it should have come out on the XXXX ( 16 days after my XXXX due date ). In XXXX, it should have been drafted on XX/XX/XXXX yet it came out on XX/XX/XXXX. After this happened the XXXX time in XXXX, I faxed over proof the funds were taken along with a faxed request for resolution and nobody called me back to explain why this occurred. On both occasions, I was left on hold several times, transferred to different depts., including their " Cashier dept. ", yet nobody could explain why it happened. After the XXXX time it happened in XXXX, the team member I spoke with ( XXXX ) at first tried to tell me this occurred because XXXX is a XXXX month, which seemed irrelevant & should not affect the XXXX calendar days from your due date. I was finally transferred to Supervisor XXXX XXXX ( ext XXXX ) on XX/XX/XXXX who opened a research request and promised to call me back. I rec 'd a vml from XXXX the following Monday XX/XX/XXXX, however, I could not get thru to her directly & was stuck explaining the situation AGAIN to someone else on the XXXX who also said they 'd research & get back to me. As of Wed XX/XX/XXXX, I still have not heard back.
Product: Checking or savings account

In XXXX on XX/XX/2019, I opened an HSBC XXXX account with a {$10000.00} deposit. I was encouraged to do this by a promotion sent to my mailbox. The promotion said that would receive a Welcome Deposit of {$350.00} if the balance stayed at {$10000.00} for 3 months. The banker, XXXX XXXX XXXX, assured me I qualified and showed me the approval on his screen. He assured me several times in the following months that the bonus was on the way. 
More than 4 months la
ter, HSBC is refusing to pay the Welcome Deposit and my banker has been less inclined to explain or return my calls. In my research on the bank, I discovered that this XXXX branch of HSBC has a history of non-payment of bonuses. The XXXX reviews include 10 1-star reviews of this branch, putting the reviews at a 1.5-star average. Many of these customers warn people that the branch doesn't honor it's bonuses and hides behind bureaucracy to keep from fulfilling its responsibility.
Product: Bank account or service

yes I did not receive an item from a merchant I advised my bank PNC and they issued a temporary credit but reversed it. By law if I do n't receive something even though it shows delivered to a mailbox I have rights to protect me instead of them working the case they denied my claim and I provided them with proof and claim and tracking information
Product: Debt collection

They started calling me on XX/XX/XXXX They called me from XXXX They started with the conversation that I was going to be served within the hour with papers to do with an old ( alleged ) debt of " XXXX  years ''. I then they gave me the number to the actual party and they stated that about my the alleged debt and that I owed over $ XXXX at least wouldn't give me the exact amount. Also, insisted that I owed HSBC of XXXX of my auto loan. My car was repossessed and that I still owed this amount. The lady kept on insisting that I owed it-when I didn't. Then I informed her that I am going to reach out to an attorney and I told her I was going to hang up. 

XX/XX/XXXX @ XXXX am The lady called me from a different number : XXXX ( but in the message she stated XXXX. ) This time she didn't identify herself that I my file aka case was on her desk and that I fail to make arrangements, and wanted information about where I work? etc. Plus, she mentioned that there were documents that were going to be sent and if I didn't respond that they were going to send it back to the county ( but which one ) and they were going to proceed without my knowledge and/or consent. I have a copy of that recording by the way. Note : The collector also informed me that she is a paralegal and that they debt starts all over. That they have several more years to collect on it-up to XXXX. 

Further, I called back the XXXX number and a gentlemen answered and I asked what was the address and he informed me that he was an " attorney '' and he gave me the address as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXXhe didn't give me the suite number. I asked for a " written '' sent by mail validation letter-and he hung up on me. 

Then I wrote through my email to their Business : That since the gentleman hung up on me that they do not want to settle anything ( especially that I asked for a validation notice ). Therefore I requested : Please Cease & desist all calls and contact with me immediately. I did add : That I refuse to give up my personal jurisdiction which is in Oklahoma. 

Here is there address : XXXX, XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX I also think it is odd that when I call back-they do not answer the phone. To give an impression that I ignored it. That's lie.
Product: Student loan

MOHELA is absolutely useless. They give information that is directly contradicted by what is on the federal aid website, they say essentially " too bad figure it out '' after you wait on hold for hours, and if you email them they say it will take 3 months for them to respond. The lack of accountability and lack of communication is absolutely UNACCEPTABLE. XXXX forbid we are ever late with a payment there are consequences, but they can take months to process anything with impunity. They are simply unable to handle the volume and do not care that they give out bad information. 

Most recently, I was given incorrect information from them about how direct loan consolidation impacts my PSLF payment count and even after reading the information on the federal site to them they said I was confused.
Product: Checking or savings account

I received a letter addressed to my wife, XXXX XXXX XXXX on XX/XX/2022 from Chase Bank advising me that the account on which I am the primary account holder would be closed on XX/XX/2022 with no reason given. My wife is the joint accountholder on my acccount. 

I called XXXX customer service and spent about 2 hours speaking to 3 people, including a manager named " XXXX. '' I was treated fairly rudely by the last, who advised me that my problems were between me and the bank and he could not disclose any information about why my account was being closed. I asked him that if he is a representative of the bank he could not provide me with information, especially after I had proven my identity. XXXX was of no further help. 

If there is some kind of problem with fraud or some other issue and that is why XXXX is terminating my account, then I would like to know what these issues are. Unfortunately, CHase bank is completely uncooperative in this regard. I have gone so far as to do a XXXX audit on both myself and my wife and our records are pristine. Therefore, I'm not sure what CHase 's problem is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Chase bank uncrecognized hard inquary was reported on my XXXX report, I did not made this hard inquary, please help me to remove
Product: Payday loan, title loan, or personal loan

There was a loan taken out in XXXX with Net Credit. On my credit report it states that there is a balance of {$1600.00} and I would like this debt removed from all XXXX major credit bureaus. Due to an extremely high interest rate/APR that I was unaware of not being able to sustain the continued payments at that rate because due to reduction of work hours due to covid XXXX pandemic. I am unemployed and unable to pay this loan. I am requesting that this debt is cleared and reflect a XXXX balance.
Product: Credit reporting or other personal consumer reports

I am utterly dismayed by the recent credit report I received! This situation is completely intolerable. It is profoundly disappointing that your company permits such glaring inaccuracies to persist, resulting in substantial harm to individuals ' lives and reputations. Despite numerous letters sent to your company concerning these erroneous accounts, it appears that TransUnion credit bureau has neglected to take appropriate measures and continues to report them. I am at a loss as to where you sourced the following accounts. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

I urgently insist on the immediate removal of these accounts. These oversights on your part are causing me considerable financial distress. Failure to comply will force me to take legal action against both the bureau and the responsible entities. This is not merely a request but a firm demand for adherence to the law and justice for the impacted consumer. Thank you for your prompt attention to this pressing matter.
Product: Mortgage

The statements for XX/XX/XXXX have not yet been posted online for customers to view. When I called the company today, they stated the statements have not yet been created. A letter from their compliance department last month stated all statements are to be posted on the XX/XX/XXXX of the month.
Product: Debt collection

In the process of purchasing a home and had your credit pulled and was surprised to see a collection from AWA which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. Upon further review it is found that the original creditor has been paid, I have reached out and paid directly the original Creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2020, XXXX XXXX I was putting large bills on my bank account in the XXXX atm in XXXX where i live to wells fargo, and it swallowed a XXXX $ bill. 
They tried to investigate, but in the end did not refund the lost dollar bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information TransUnion is reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my XXXX account # XXXXwas OPEN and OK. 

2. Suddenly, on XX/XX/XXXX TransUnion is showing the same XXXX  account # XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. What happened over 5 days? 

4. My Chapter XXXX was discharged on XX/XX/XXXX. 

5. XXXX was paid {$150000.00}. 

6. My XXXX account is current with a balance of {$29000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : Navy Federal CU Account # XXXX, XXXX and XXXX Navy Federal CU has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately. 
I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX and XXXX are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, XXXX and XXXX, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to XXXX, XXXX, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked.

The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX and XXXX are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you XXXX XXXX