23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/2021 I deposited a check for {$7000.00} from my corporate account to my personal account at Bank of America at the ATM machine and it registered as {$70.00}. I immediately checked online to my account and it also showed only {$70.00} was deposited so I called the bank and they said it shows {$7000.00} was deposited but there is a hold on the check until XX/XX/XXXX. I have been with the bank for over 40 years and deposit this large of a check monthly. The person I spoke to said she would file a report about the ATM machine but the correct amount was showing on their end which was a lie. The next day I checked online and it showed a new deposit of {$6900.00} to correct the {$70.00} deposit that the B/A employee lied to me about.the day before and the hold was still on the check even though they had the funds and the check had cleared my bank. Today, XX/XX/2021 I called back to Bank of America after I confirmed the check had cleared my bank and spoke to XXXX in their call center about the hold on my check. She said she can refund two of the four {$35.00} fees for overdraft but I would need to call my corporate bank as they may have held the funds. I told her no Bank of America knows the funds are good. I then called my corporate bank and they confirmed the funds and check as always are good and cleared. When I called back to Bank of America I spoke to XXXX who transferred me to XXXX, her manager who said they will not refund the other XXXX {$35.00} fees as they have a right to hold any paper check and as a customer I have agreed to those terms. I then asked to speak to his manager XXXX who was just as rude as XXXX and he said no " it is my loss and I must pay the other two {$35.00} fees '' and " they did me a favor by crediting XXXX of the four. '' I want my {$70.00} fees removed and credited back to my account. Bank of America not only lied to me about the ATM mistake but held funds from a check that they know is more than good. They would not even call my corporate bank operation manager to verify how much money I keep in that account or that the account had more than enough to cover a check I deposit each month into their Bank of America account. Bank of America has my history for 40 years and to charge me fees when they put a hold on my account and check is criminal.
Product: Mortgage

My mortgage company Mr Cooper  formally known as Natiostar has an forced escrow account on my mortage account claiming that their paying my insurance and taxes which is untrue and charging my account I has been paying my own insurance and taxes for the last two years in full on time .I contacted Mr Cooper and explained this to the agent that I spoke with on two different occasions first on XXXX and was told the escrow account was submitted for removal and I would receive a confirmation letter by mail .that confirmation letter never came so again I reached out to Mr Cooper  again on another call and was told by a different agent the removal was denied due to delinquent payments in the previous 12 months. I had no Delinquent or missed payment in the Las 12 months which was verified by the first agent I spoke with .now the second agent on XXXX which also verified that there was no Delinquent or missed payment and stated she will be resubmitting the removal and I would be receiving a resolution letter in the mail by XXXX I never received that letter also. on XXXX again I reached out to Mr Cooper on XXXX and inquired about the escrow account that was resubmitted for removal the agent told me the escrow was not being removed because of late payments
Product: Credit reporting or other personal consumer reports

Im seeing unauthorized inquiries on my credit report today, and I have no idea why. I routinely check my report, but this time, there were unexpected discrepancies. I even refreshed the browser thinking it might be a glitch, but the issue persisted. This is incredibly frustrating, and Im asking for a thorough review of the documents Ive submitted to resolve this immediately and give me peace of mind.
Product: Debt collection

I check my credit on a daily basis due to possibly identity fraud. I viewed my credit today and on it appeared a account from a collection agency that has never made contact with me or sent a written validation notice as required by the FDCPA. I was not given the option to dispute this debt as required by law I have 30 days. Instead it was immediately placed on my credit file with  XXXX  and  XXXX  causing the denial of shelter for me and my family. My rights have been violated under the  FDPCA and I will be contacting the Attorney Generals  office in reference to this.
Product: Debt collection

I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collect. Please send a a copy of the original contract between myself and the original creditor. The original application for this account with my signature. I didn't open an account with you or your company.
Product: Debt collection

I, XXXX XXXX, consumer, have come to the understanding that Portfolio Recovery Associates is in violation of my rights to privacy ( see attachments )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX I am writing to file a formal complaint against all credit reporting agencies, including but not limited to XXXX, XXXX, XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Capital One Bank, XXXX XXXX, for their unauthorized and unethical handling of my personal information. 

This complaint is based on several serious violations : XXXX. **Failure to Provide Opt-Out Information : ** I have never received monthly options to opt out of data sharing from any of these agencies, despite legal requirements to provide such options. 
XXXX. **Lack of Express Written Consent : ** None of these agencies have obtained my express written consent to collect or disseminate my personal information. 
XXXX. **Misrepresentation of Opt-Out Rights : ** I was falsely informed by these agencies that I am not allowed to opt out of their services, a clear misrepresentation and fraudulent practice. 
XXXX. **Illegal Profit from Personal Data : ** My personal information has been transmitted illegally by these agencies to third parties for their own profit, from which I have derived no benefit. This action constitutes a violation of the Privacy Act of 1974, which protects against unauthorized disclosure of personal information.

These practices breach the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 6802, and demonstrate a blatant disregard for my rights and safety, potentially exposing me to identity theft and financial fraud. The systemic failure of these agencies to uphold privacy and integrity of consumer data is alarming. 

I urge the Consumer Financial Protection Bureau to conduct a comprehensive investigation into these flagrant violations and enforce strict penalties to prevent further misconduct. It is critical that decisive actions are taken to ensure these agencies comply with all applicable laws and respect consumer rights. 

IN ADDITION, THE LAW CLEARLY STATES IT IS ILLEGAL TO REPORT TRANSACTION HISTORY - HOW IS ANY AMOUNT REFLECTED ON MY BALANCE? 

I look forward to your prompt response and resolution of this matter. Please contact me at the details provided above if further information or documentation is required. 

Thank you for your immediate attention to this critical issue. 

Sincerely, XXXX XXXX
Product: Student loan

Private Student Loan debt - deceptive practices : In XXXX I came to an agreed settlement of my Private Student Loans with the loan servicer and made payment arrangements to pay the debt collector. The sum of {$26000.00} is considered as a complete settlement in 71 payments. The first payment in the amount of {$2000.00} is due on or before XX/XX/XXXX. The following 70 payments in the amount of {$350.00} are due on or before the XXXX of each month starting XX/XX/XXXX and ending XX/XX/XXXX. I have been making payments on time every month since this agreement was made. 

As of XX/XX/XXXX I received a notice that 3 of 7 of my accounts had been forgiven that was granted on XX/XX/XXXX, as a result of a settlement agreement the Loan servicer has reached with your state 's attorney general. I contacted both the Loan Servicer and the debt collector to make sure the forgiveness of these accounts were confirmed as true, both parties confirmed. The debt collector has now informed me that I need to renegotiate with the Loan Servicer through them due to stopped payments. They are claiming that I had stopped making payments as of XXXX of XXXX. I had not received any correspondence that payments had stopped being withdrawn from my account. The debt collector has provided me w/the service of auto withdrawals from my account that somehow stopped. This is the 3rd time this has happened during my repayment. The last time it happened I sent a certified letter by mail and email correspondence informing them that they had failed to process payments. 

The debt collector has tried to get me to agree to paying twice as much as I actually owe. They are unwilling to adjust the balance of my accounts to accurately reflect what is left to pay based on. my org. settlement after the 3 accounts have been forgiven and they are trying to force me to pay more than what is actually owed by putting a sense of urgency on the matter, stating I only have until XX/XX/XXXX and then the settlement they have offered is void and I will owe the entire balance that is left of {$26000.00}. 

I have also requested documentation of the loans that are still active and what balances are left to verify that their data matches XXXX data. The debt collector has been unable to present me with this information after several requests to do so. 

Please note I have kept a record of all communications between myself and the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, a federally protected consumer have attached the notice that I have sent Wells Fargo credit bureau operations team and legal department on XX/XX/2022, and a 2nd notice on XX/XX/2022 - Certified Mail # : XXXX XXXX XXXX XXXX XXXX WITH NO THIRD PARTIES INVOLVED. Wells Fargo has received both notices and has failed to respond. This account is in dispute '' with the company '' and the company has furnished another updated inaccurate charge off account XX/XX/2022 while in dispute which is a direct violation. Please read attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$76.00} XXXX  Inquiry Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out to all three credit bureaus regarding a public record that is reporting on my credit report that should not be reporting but have yet to get any results. As of XXXX XXXX, 2017 public records including bankruptcy and judgements. I have sent XXXX, Transunion and XXXX a letter from bankruptcy courts stating do they do not report bankruptcy along with a copy of the new law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Laws. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX  # XXXX, XXXX  XXXX # Account number XXXX, XXXX/XXXX  Account number 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 or 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 or other personal consumer reports

Transunion, XXXX and XXXX are all reporting wrong addresses on my credit report where do not currently live and never previously lived. 

Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

This company calls me multiple times back to back. If I ignore their call, they will call back within seconds of me ignoring it. They also leave a voicemail that just says hello. It has gotten to a point where they are waking me up with their repeated calls. 

This happened today ( XX/XX/XXXX ). They called 3 times within the span of a minute ( all 3 calls are time stamped XXXX XXXX  ). XX/XX/XXXX, they called at least twice with time stamps of XXXX XXXX  for both calls. XX/XX/XXXX, they called twice within one minute, one call timestamped XXXX and the other at XXXX. XX/XX/XXXX, 3 calls timestamped XXXX, XXXX, and XXXX. 

I have asked them as of today to stop calling me.
Product: Debt collection

I am being harassed by Flagship Credit Acceptance. They call me non-stop even after I tell them I am not the person they are calling for. Every time they call they ask for a XXXX. This is not me and I have told them this several times and asked them to stop calling. They will not stop calling. 

I believe their operations are a scam. If you call the number the leave you can never talk to a live person. All they want on the phone system is to trick you into entering your SSN. The automated phone system ask two questions - your account number or SSN. I do n't have an account number b/c I have never done business with these people and I am not the person they keep asking for on their calls. No matter what options you pick you can not speak to a person.
Product: Debt collection

I was never contacted by this company. Not by mail or phone. Then a family member was contacted. I did n't even know they were trying to contact me because I was never call and never received any type of mail or communication. 

On XXXX XXXX, 2017 the contacted a family member whose number was not on the account and they would n't of had any access to. 
A name was given and then when I returned the call I was n't allowed to speak with that person. 
They refused to tell me how they got the family members number and why I was n't contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done and violates my rights as a consumer. i reached out to the credit breau on more than one ocasion to advise that my credit was being pulled with out my permission. the listed inquires were pulled with out my permission. discover financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   card XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX  XXXX/XXXX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX i did not authorized these inquires and demand that they be removed from my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX has been trying to collect a debt owed from Me when I do not own not have I ever owned any cats
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXXXXXX REPORTED A NEGATIVE ITEM WITH A FRAUDULANT BALANCE OF {$620.00} TO XXXX. ALSO SDCCU HAVE REPORTED A NEGATIVE ITEM WITH A FRAUDULANT BALANCE OF {$910.00} TO NUMEROUS CREDIT REPORTING AGENCIES UNDER MY NAME. AS OF TODAY AND TO THE BEST OF MY KNOWLEDGE, XXXX AND XXXX is the only 2 CRA 's THAT STILL REMAINS. XXXX, XXXX, AND XXXX ALREADY REMOVED THE DERAGOTORY ITEM FROM MY PROFILE. ACCORDING TO THE FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.s1681-1681y. 
SDCCU IS IN VIOLATION WITH CONSUMER LAW BY NOT IN COMPLIANCE WITH SECTION 623 OF THE FCRA, 15 U.S.C. 168s-2.
Product: Credit reporting or other personal consumer reports

I demand immediate intervention from the Consumer Financial Protection Bureau regarding Experians gross negligence and failure to adhere to the Fair Credit Reporting Act ( FCRA ) obligations, directly affecting my financial reputation and standing. 

As a victim of identity theft stemming from the well-documented XXXX data breach, I have experienced significant and ongoing inaccuracies in my credit report managed by Experian. These inaccuracies include numerous false social security numbers, unauthorized personal details, and fraudulent accounts. Despite submitting a detailed identity theft affidavit and multiple dispute requests, Experian has willfully ignored my lawful demands for correction, blatantly disregarding FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates an expedient investigation and correction of reported inaccuracies. 

Experians continued inaction and dismissive responses to my disputes are not only irresponsible but also suggest a deliberate violation of my rights under the FCRA. This negligent behavior is causing me undue financial harm and distress, and it is unacceptable. 

I hereby demand that Experian rectifies these errors by removing all fraudulent entries from my credit report within four days of this notice. Failure to do so will compel me to pursue all available legal remedies, including seeking statutory and punitive damages for willful noncompliance as outlined in Sections 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ). Section 605B ( 15 U.S.C. 1681c-2 ) - Block of Information Resulting from Identity Theft which i have attached as a document. I would like Method of Verification ( Section 611 ( a ) ( 6 ) ( B ) ( iii ) ( 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ) ( iii ) ) ) :
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. 
Identify items ( account and inquiries ) are resulting from the identity theft that should be blocked or deleted. 
ACCOUNT : Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/year> Status : Paid, Closed.
Product: Student loan

In 2015 I attended at XXXX XXXX college. I have two loans one through Sallie Mae ( wish they pushed me to go through ) and one through Navient. A few years ago I enrolled in auto pay through Navient. I called a customer representive and asked how much my balance was, I was told XXXX which is what I took my loan out for. What was really upsetting I was so so shocked I couldnt even talk, I was brought to tears, was the fact that I have been paying {$40.00} every month faithfully ( getting taken out of my bank account ) and I have not done anything to my total amount paid. I am so disappointed, I work full time and paying my Sallie mae loan every month is more expensive then a car payment. I really need to speak to someone that actually knows what they are talking about. I made the decision to go to college, and the representatives they have working for them do not take that under consideration, they want to take advantage of young people and not properly explain that I would be paying back XXXX for the rest of my life. Never have received a paper statement where I was for the month, like I do with Sallie Mae. I really need someone educatied and willing to help because I have a large debt and I need someone that is understanding and not looking to take advantage of me. I work very hard for the money I do have and hearing what I owe is the same I took the loan out for just seems very skeptical. Ive heard of Navient doing shady things, but I have never experienced it myself.