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

The FNB 's online banking system is not stable, and it can't be open now while I am writing this complaint. So the below dates are what I remembered. 

Several days ago, around XX/XX/XXXX I wanted to transfer all the remaining balance ( around {$710.00} ) from FNB to my other bank. One or two days later, I saw a new transaction that FNB charged me a returned item fee ( {$37.00} ). I was surprised, then I noticed that they have a {$0.00} transfer fee that I forgot to deducted when transfer. So I immediately contacted FNB by phone and ask the representative if they can waive the fee. They said NO, they can't return any fee. So I asked the representative if I can close my account. The representative said YES, and requested me to send an email to her with my full name, address, and account number. After the call, I immediately send an email to her. But she send an email to me that she can not close my account because my address is different than the one on file. She will need me to go to any branch or send her a notarized letter. I sent her another email stated my old address and current address, and told her I updated my address in the system in the morning. Probably the system needs sometime to reflect my most recent address. So I told her that I will contact her again to close my account once my address is updated in their system. 

Yesterday, XX/XX/XXXX, I looked my account again, and found there was another {$37.00} returned item fee charged on my account. I don't know why FNB charged me again, so I wrote another email to the representative if she can waive the fee this time. Meanwhile I receive a message from FNB says my address is successfully updated in their system. So in the email, I also told the representative that my address is updated in their system, I would like to close my account. The representative said the transfer was pulled again and NO, they can't return any fee. I was so disappointed and mad because I don't know why and who pulled transfer and why FNB charged me twice. The representative also said they can not close my account unless I go to the branch or send her a notarized letter. I don't understand why they want me to do that even my address is successfully updated. Btw, the closet branch is 1 hour and 30 min away from me, and I don't want to spend more money and time to have a notarized letter. I am really upset and don't know what I can do to close my account. I can not believe that I can not close my account simply because I updated my current address in their website. I also don't now why FNB charge me twice the returned item fee and if they are going to charge me again and again even I didn't transfer.
Product: Debt collection

Service Finance Company provided me, via my HVAC contractor, a loan for critical air-conditioning repairs during a 100 degree heat spell. The HVAC contractor did not fix the issue properly and Service Finance Co. initiated the loan prior to my final authorization-which violated their policy and contract requirements. Service Finance Co. subsequently started billing me and attempted collections-even though I had to hire a new HVAC company to complete the original work-and they understood that fact. They paid, erroneously, the original contractor for shoddy and incomplete work. Service Finance Co., after I initiated a complaint with them, decided to negate the contract and forgive the loan. I have numerous emails from them corroborating this. However, they continued to send me billing notices and did collection phone calls to me almost daily. They reported me delinquent to all three credit reporting agencies-and after months of trying to correct the situation, Service Company has not been responsive or living up to their agreement. The credit agencies won't budge either. I need assistance getting Service Finance Co. to correct any and all negative information with the three ( 3 ) credit reporting agencies. Thank you!
Product: Credit reporting

I recently received notice that XXXX XXXX XXXX, an entity I rented an apartment from in 2014, has submitted information to Equifax alleging that I have XXXX accounts open totaling XXXX . These accounts and their corresponding charges were never communicated with me or my roommate. I am disputing these claims with Equifax. Equifax has been entirely unhelpful in this situation. The contact information for the accusing business either does not work or the business refuses to reply or assert their charges. I contacted Equifax assuming the collections agency must have contacted them and thus I could dispute the claim with the collections agency and possibly obtain the contact information for the original business. The information Equifax provided me was erroneous and was the contact information of an auto insurance provider. If Equifax can not contact these collections agencies and they never have to assert charges or communicate with clients then how can this be considered a valid legal practice? 

I appreciate any assistance or guidance you may offer. It would seem that both Equifax and XXXX XXXX XXXX have failed to perform.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX -- -- -- EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Credit card or prepaid card

Hi, I was using Chase Sapphire Preferred card, I have booked a flight ticket of XXXX XXXX for {$4000.00} from their own travel website, for some reason on the date of flying the passengers were not able to take the flight. 
The Flight company asked to reach out to the vendor ( Chase travels ) to cancel or reschedule the flight since I used their service to book the flight. 
It was around 4 hours before the flight, I tried calling the chase travel whole night but no one picked up the call and meanwhile the flight took off. 
Next day Chase travel said that since the flight is gone we can not refund anything. I asked them that's it's your mistake since no one took my call when I tried for whole night for at least 4-5 hours. 
They said, since we can not cancel the ticket after 24 hours of booking, but I asked them that at least someone should have taken my grievance that time, and I was asking for re-schedule also for at least the return flight cost rather than the whole flight. But since no one picked up the call whole night they are putting this cost to my account and forcing me to pay. 
Need help in such case. 
Regards XXXX
Product: Debt collection

Date XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV Funding LLC for the violations of consumer financial protection laws. The specific violations are in reference to the following regulations 12 CFR 1006.34 ( b ) ( 5 ) 12 CFR 1006.34 ( c ) ( 4 ) ( I ) 12 CFR 1006.34 ( d ) 15 USC1681S-2 ( 7 ) ( a ) Additionally, I have requested debt validation and purchase agreement information from LVNV Funding LLC , as permitted by 15 USC 1681S-2 ( 7 ) ( a ). However, the company has not provided the necessary documentation, raising concerns about its compliance with federal consumer protection laws. 

I kindly request the Consumer Financial Protection Bureau to investigate these alleged violations and to take action to ensure that LVNV Funding LLC complies with all applicable laws and regulations. I believe that such actions are crucial to protecting the rights and interests of consumers Furthermore, I assert my rights under 15 USC 1681s2 ( 7 ) ( a ), as the collection agency has failed to adhere to the Fair Credit Reporting Act ( FCRA ) by potentially reporting inaccurate information to credit reporting agencies. 

. 
As a result of these violations, I am formally disputing all debts claimed by LVNV Funding LLC as I mentioned above and request that the Consumer Financial Protection Bureau investigate these matters promptly and remove from my consumer report immediately. Additionally, I am revoking any rights for LVNV Funding LLC to communicate with me via email, call, and text, in accordance with my rights under the aforementioned laws. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/2009 I was sued by CitiBank while I was going to XXXX for college. I was working full time and going to to XXXX full time, but I did not receive any indication that someone was attempt to collect a debt from me or notice that I would have funds that came out of my student loans for college would be sought for as damages. When I was going to pay for my next semester of XXXX my student loans had been garnished from my bank account by CitiBank and I was forced to apply for additional student loans to continue school.
Product: Credit reporting

I have notified Experian many times that there are incorrect addresses on file that do not belong to me : XXXX XXXX XXXX XXXX, XXXX, GA and XXXX XXXX XXXX XXXX, XXXX, GA. I need your help in getting these incorrect addresses remove from my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Disputing information on credit repirt I am writing to dispute inaccurate informatiin that your company supplied to the creditor listed above ( XXXX XXXX, equifax ) Here is a list of inaccurate accounts XXXXXXXX XXXX acct number XXXX XXXX  XXXX acct numberXXXX XXXX XXXX XXXX XXXX acct : XXXX According to my records the information you are reporting inaccurate. I demand that you remove this information. 
By provision of the fair credit reporting act of 1970, U.S.c $ {$1600.00} et seq., I demand that these items be reinvestigated and deleted from credit record.

Under the terms of the section 1681 ( i ) of the act, you have 30 days from the receipt of this letter to verify this disputed information.

Also, pursuant to 15 U.S.C.Section 1681 ( d ) of the act, please notify me when the items have been deleted
Product: Credit reporting or other personal consumer reports

I was XXXX  from XXXX till XXXX in the XXXX XXXX XXXX XXXX. 2 XXXX Credit Cards, and 1 XXXX XXXX Credit Card was opened in my name. The first on was opened on XXXX of XXXX and the second account was opened on XXXX of XXXX, and the XXXX  XXXX card was opened on XXXX of XXXX Once I was released, I got a copy of my credit report and I notified XXXX and XXXX XXXX about these accounts and I also notified all 3 credit bureaus about this and they removed them from my report. 
Then they were put back on my credit report because XXXX and XXXX XXXX said that they were my accounts but I never opened them. I was incarcerated. I sent proof to them and to the credit bureaus. XXXX and XXXX XXXX still maintains that they are my account and they are not. 
Apparently someone was making payments on these accounts from an account that I never opened. I am angry that they would allow someone to do this to me. I never authorized this nor gave anyone permission to do so. The mail was taken from my mothers mailbox. Her box is out in the open for anyone to grab mail from.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of XXXXXXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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  account number XXXX 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 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

I filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation result. I have sent the letter to them over 30 days ago regarding the incorrect items on my report. 

Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting to Equifax as " Paying Partial Payment Agreement '' XX/XX/XXXX and XX/XX/XXXX. Also reporting " Account in Forbearance '' XX/XX/XXXX, during which time the Loan Modification process was still pending. 

Payment information/loan terms are still not correct. Shows a scheduled payment of {$1300.00} with an actual payment of {$1300.00} ; Terms {$1300.00} per month, paid Monthly for 480 months. Billing statements clearly show {$1300.00} due.
Product: Mortgage

Subject : Request for Documentation Related to Financial Asset Held in XXXX XXXX XXXXXXXX XXXX XXXXXXXX I formally requested documentation and information regarding my financial asset, which I am writing to request detailed information about the handling and securitization of my mortgage loan, originated on XX/XX/year>. I am writing to request detailed information about the handling and securitization of my mortgage loan, originated on XX/XX/year>. Based on recent findings, I have reason to believe that my loan, originated by Atlantic Bay Mortgage Group LLC, was sold and securitized into the XXXX XXXX XXXXXXXX XXXX XXXXXXXX, in contradiction to prior representations made by your institution. 
Key Points of Inquiry : 1. my loan was sold and transferred into the XXXX XXXX XXXX XXXX XXXX with a closing date of XX/XX/year>. This contradicts previous assertions that the loan had not been sold or securitized. 
2. Assignment of Deed of Trust : reveals that no assignment of the Deed of Trust has been recorded in the official records of XXXX XXXX, XXXX 
Please provide information on why no assignment has been made or recorded to date, and what implications this has for the status of the loan. 
3. Proceeds from Securitization : Please provide documentation showing how the proceeds from the sale and securitization of my loan were applied. This includes but is not limited to, any credits or payments received by Atlantic Bay Mortgage Group LLC or its affiliates from the sale of my mortgage note, in contradiction to prior representations made by your institution. 

The involvement of the following entities raises concerns about the securitization and management of my mortgage loan : 1. Documentation of Ownership : Clear evidence establishing the ownership of my mortgage loan within the XXXX XXXX XXXX XXXX XXXX. 
2. Transaction History : A complete history of any assignments, transfers, or transactions related to my loan since its origination. 
3. Securitization Details : Copies of all relevant documents detailing the securitization process, including any agreements related to the management and administration of my loan. 
4. Disclosure of Rights : Information on any rights I have regarding my loan and the securitization process, as well as any permissions or consents that may have been obtained. 
4. Request for Documentation : Pursuant to RESPA and Regulation X or Z, I am formally requesting the following documentation : Full transaction history and all transfers of the promissory note. 
Documentation related to the sale, assignment, and securitization of the loan. 
A copy of any Pooling and Servicing Agreement ( PSA ) or similar agreement that governs the securitization of my loan into the XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
A copy of any endorsement or transfer documents relating to the note or Deed of Trust.
Product: Checking or savings account

IN XX/XX/2023 I OPENED A CHECKING AND SAVINGS ACCOUNT UP ONLINE. I WAS GIVEN A CHECKING AND SAVINGS ACCOUNT NUMBER. A WEEK LATER I RECIEVED A LETTER INFORMING ME THAT MY ACCOUNT HAD BEEN CLOSED. WHEN I CALLED HE NUMBER ON THE LETTER I WAS TOLD IT WAS BECAUSE I HAD NO ADDED FUNDS. I OLD THEM IT HAD ONLY BEEN A WEEK. THEY REFUSED O CONFRIM HE REASON AT THAT TIME. I THEN WENT TO A LOCAL BRANCH TWO WEEKS AGO AND I WAS GIVEN M OLD ACCOUNT INFORMAION. AT TTHE BOTTOM OF M ACCOUNTS IT SAID FRAUD. I SHOWED THE BRANCH MANAGER MY ID 'S TO VERIFY MYSELF. I THEN RECEICED A CALL FROM A XXXX IN THEIR RETAIL DEPT AND SHE TOLD ME PNC DID NOT WANT TO DO BUSINESS WITH ME. I THEN RECEIVED A CALL FROM A PAIGE VIS EMAIL AND PHONE CALL LAST WEEK. SHE XXXX HAS NOT RETURNED MY CALLS.
Product: Student loan

I received a Notice of Wage Withholding at 15 %. I have been trying to call the company for four days. Saturday, Monday, Tuesday and Wednesday. By Tuesday the number I was initially given to call, voicemail is full. I contacted the Dept of Ed to inquire and was told at the time that ICR 's main phone system was down and that if I dial the last four digits of XXXX instead of XXXX I will be able to reach them as that number ( XXXX ) is working. I called that number both Tuesday and Wednesday. It's the same message as the XXXX number but in a different voice, again, directing calls to voicemail ... and nobody returns them! I contacted the Dept of Ed again about the new number they provided to me and was told, " We don't have any other phone number to give you so just keep leaving messages. '' I made just XXXX above the poverty level of XXXX for 2017 and this year my hours have been cut by 5 a week. I was never notified by ICR about anything going to court so that my financial situation could even be considered and they don't even have a working phone number for consumers to contact them at to find out about any appeals or steps to take to dispute their actions.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 BANK ( Original Creditor : XXXX BANK XXXX XXXX XXXX XXXX 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 a 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Opened a letter from a 3rd party debt collector for a hospital bill from 2018. This is the first notice of this bill. The hospital has never reached out, sent any type of bill or allowed me to pay before sending me to collections. This is the very first time im seeing this bill which is now a debt collector and is now on my credit report. I am not paying a debt collector but would like to pay the actual hospital. How can a hospital never ever send one single bill my way but a debt collector can find my address? Not ok. I visted this hospital in 2018 over a XXXX XXXX which is involved in me suing the other party. Since 2018 they have NEVER SENT me one bill and I've been at the same home since 2018. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nevada.
Product: Credit reporting or other personal consumer reports

Lexington law firm never fixed my credit that I paid for the service to fix my credit.
Product: Debt collection

My mother and I have been receiving repeated phone calls from a debt collection agency.     When they first called me, they were looking for my mother. Then they called her and told her they were looking for me. When I called them, they wanted me to provide my social security number and date of birth, which I refused to do.     They claim that there 's a " personal business matter '' that they can not discuss without my divulging the personal information.     The company is calle d Global Credit  and Collections. They called from  XXXX .  <P/> My credit is clean. No collector should be contacting me about any debts.
Product: Credit reporting

I had items in collection 3.5 years ago. They were already marked as " charged off '' or the unpaid balance set at {$0.00} as of XXXX XXXX. In XXXX of XXXX, these collection agencies started re-aging this debt to look like recent or current debt in an attempt and satisfaction to hurt my score. This is also an illegal attempt to collect a debt and is a direct violation of the Fair Credit Reporting Act. Even though these items were issued as delinquent 3.5 years ago, it 's showing as current, open balances and hurting me in every financial position in order to obtain new credit and most importantly, my dream of home ownership. I wish to have this removed and deleted immediately as misuse of the creditors ability to report on my credit report. Even after opening a dispute with Experian and the charge off date is stated as XXXX XXXX, the conclusion was still that this is active. I made no attempt to re-age this date or make any payments because I know that would restart the statue of limitations.