23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am not even financing anything through CNAC. However, the person that lived in this apartment before me did. I was at home relaxing and cooking and get a BANG at my door that was so startling I was shaking and afraid to open the door. I hear a man say She isnt answering! Then they slipped in an envelope. ( This is the 3rd time theyve come by ) I opened it and called the number and was greeted on the other end of the phone by a lady name XXXX that was so obnoxiously rude. I told her about how scared I was and Im not sure who they are looking for but lady doesnt live at this address anymore. She was raising her voice at me and was so inconsiderate. I had the rental office follow up with her and she told them not to call back and hung up the phone. I have asked them to refrain from coming to my residence. I feel like I am being harassed and I not the one they are looking for. Again, I am NOT a customer with this company nor do I owe them again!
Product: Checking or savings account

I have oped an account with Chase and deposited my unemployment checks and another check and sum funds to the account. Layer I get a call stating that my account will be closed but couldn't give me a reason not have I gotten back my deposits. Account numbers XXXX. Checks number and amount unemployment {$1200.00}, {$3400.00} number XXXX, and also coin app amount {$13.00}. ( I have photos but my phone won't let me upload for some reason there photos of worker at check cashing with photo copies of Chase check saying " Do not see anything in the system for this cashier check. '' ) Phone number to who she spoke with is XXXX route number XXXX, XXXX.
Product: Debt collection

Discover Bank Bank hired XXXX XXXX XXXX XXXX XXXX to collect on a debt allegedly owed by a Mississippi resident. XXXX XXXX XXXX XXXX XXXX became an agent and third party vendor of Discover Bank at that time. XXXX XXXX XXXX is a Kentucky-based law firm with no physical office in Mississippi. XXXX XXXX XXXX issued form letters, which were not signed by an attorney and/or anyone in the Firm. This practice likely results from no attorney review and/or oversight prior to the form correspondence being sent. This suspicion is supported by the fact that numbers and/or amount owed and/or settlement offers varied up and down depending upon them being sent via form correspondence or later in the case by email from an actual attorney. XXXX XXXX XXXX failed to issue the required validation notice. XXXX XXXX XXXX filed a one-page form Complaint, which was deficient as it failed to incorporate necessary attachments. When the deficiency was pointed out, XXXX XXXX XXXX continued to push for a default judgment instead of amending and correcting the Complaint. At hearing, XXXX XXXX XXXX hired local counsel, who stated to the Court he did not have settlement authority. Upon information and belief, XXXX XXXX XXXX does not ever attend hearings- they practice in Mississippi via remote representation using local attorneys who are not given settlement authority. When XXXX XXXX XXXX 's failure to send the required validation notice was raised, XXXX XXXX XXXX did not provide a copy of the notice but continued using the Court system to try to obtain default and/or summary judgment - all while the original Complaint remains deficient and never amended. This action supports the Firm 's failure to have timely sent the letter ( otherwise, why not simply provide a copy? ). XXXX XXXX XXXX 's use of form letters, form pleadings, and bullying tactics to obtain default and/or summary judgment through remote representation is tantamount to abuse of process. XXXX XXXX XXXX 's actions and/or inactions since being hired by Discover Bank are collectively illegal collection practices geared towards obtaining the highest number of default judgments with the highest balance possible but with the least amount of work per case. XXXX XXXX XXXX 's actions and/or inactions since being hired by Discover Bank are unfair, deceptive, and abusive. XXXX XXXX XXXX 's actions and/or inactions since being hired by Discover Bank are designed to confuse the least sophisticated consumer, including many consumers who are unable to hire counsel to represent them. It is probable that the form correspondence and pleadings being used by XXXX XXXX XXXX are being used across Mississippi and Kentucky against unbanked consumers who ( i ) can not afford representation, ( ii ) would not realize what the validation requirement is, ( iii ) and/or recognize a deficient Complaint. Discover Bank is responsible for XXXX XXXX XXXX 's actions and/or inactions as XXXX & XXXX XXXX Discover Bank 's agent and third-party vendor.
Product: Student loan

I took out a private loan with Sallie Mae ( Navient ) on XX/XX/XXXX for the amount of {$53000.00} to attend the XXXX XXXX XXXX XXXX. 

During the last phase of my school, the school lost accreditation and the school was quietly sold to XXXX XXXX XXXX. 

After graduation the school 's president XXXX XXXX XXXX was convicted on federal fraud and tax evasion charges. Using student tuition to pay off house repairs, personal shopping bills, and gambling debts. Eventually the school closed I believe in XXXX making the backing of my technical degree invalid. 

During multiple instances I attempted to forbear my loan, which they did not offer, being unable to make anything but interest only payments not wanting my loan to default. Entering forbearance in XXXX of XXXX where I continued to struggle to make payments. 

Eventually there was the SWEET settlement offering cancellation to those who attended such for profit institutions like the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX University and many, many others. The criteria being the dates, the schools and the loans being in default. 

My account balance has not reduced at all with my loan, instead it has gone up to {$58000.00} while I continue to struggle to make the interest only {$390.00} dollar payments. 

It seems as if that due to my attempts to keep my loan out of default, I am now ineligible for any sort of Loan forgiveness by Navient, even though the school has closed making my degree invalid, and the former president of the school was convicted of federal fraud and financial crimes. 

This, in my opinion is an egregious oversight on loan forgiveness and the crimes committed by the institution I attended.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX Equifax received a written request from me to delete inquiries from my consumer report that I do not recognize. As of today they are refusing to remove them. This is very disappointing being that they are allowing unauthorized information to be reported and it is negatively impacting my credit score. And they are also negligently enabling identity fraud. 

This is a serious breach of my right to privacy. I am again requesting Equiax to remove the below inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report as being reported on the dates above. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). 

If Equifax refuses to delete the above inquiries from my credit report, I will be seeking {$1000.00} per violation for their negligent enablement of identity fraud.
Product: Debt collection

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Meadows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the above, including XX/XX/XXXX are Liars and thieves who dont follow the State of Texas Laws on XX/XX/XXXXTenants. They will lie and say they gave you documents when they did not. 

XXXX XXXX Lied in court, under oath about placing a notice in my door. I was home to be safe and didnt leave over 2 months because I was afraid as they published my address in the midst of a XXXX XXXX Situation. She lied and said she gave notice and did not. This lady lied under the law and before the judge, under oath. They are all thugs and are wrong. 

This companies front office staff had been advised, severely, by email and phone of the XXXX XXXX Situation I was in. They never, for once paid any attention to any proof shown to me. They took me to court and filed an official eviction, overcharged me by {$10000.00} dollars, even against the court orders, they took money from an insurance company to cover the cost but still charged me that same amount. The front nor back office are professional and paid NO attention to the threat of my life which I shared all legal information with them. If anything is owed its {$2200.00}, the one month of rent the judge allowed to be charged to me, not all the extra charges they tried to take plus some, over. The entirety of the stay they also breached contract a long time before by not providing me a peaceful place to stay and a place so saturated with Cockroaches it was sick. This place takes your money, breaks the law and does not charge you even what a court says when they should not have even filed for eviction on me according to the State of Texas law. They are thieves and liars and its my request that all proof is looked at I am attaching to remove this debt off of all 3 credit accounts. Their Lawyer was also a liar and lied along with the company to say they gave me proper notice.
Product: Debt collection

In XX/XX/XXXX, I received demand letters from " Fair Collections & Outsourcing, XXXX XXXX XXXX. XXXX, XXXX XXXX MD XXXX '' demanding and attempting to collect a debt to my name for the amount of {$1600.00}. I informed them in writing that this is erroneous and it is not mine. 
While overseas last year ( XXXX ), I had my phone in which I had stored all my personal information, including bank accounts, XXXX. accounts with passwords, compromised and thousands of dollars worth of charges were made by foreign entities, primarily from XXXX. I was not successful in conveying all that occurred with the above captioned entity and I began communicating with XXXX. I explained verbally the whole situation and I was assured they would earnestly try to help me. Today, XX/XX/XXXX I received a form letter by XXXX, informing me that the " debt '' remains on my record and advising to speak directly with FAIR COLLECTIONS and OUTSOURCING. My credit record, in the mean time, has gone from Exceptional to Fair. I do not know what these {$1600.00} are for and I am seeking your assistance in restoring me good name and credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Credit Acceptance Corporation in  XXXX . A car loan. I made monthly payments on time every month until the loan was paid in full. For some reason,  Credit Acceptance  is reporting I made  1  late payment  XXXX . This is incorrect. I made payments on time every month. I then traded the car in, in  XXXX  of  XXXX . I do n't understand how they are reporting that the last payment that was made was a late payment.     It is not fair that I pay all my bills on time and  Credit Acceptance  gets to report a delusional late payment. I have disputed this problem and nothing has changed. This late payment is being reported incorrectly. I WAS NEVER LATE.
Product: Checking or savings account

Greetings CFPB, My complaint is against Huntington National Bank where I had a checking account in good standing. This account was opened involuntarily as my original account was held by XXXX XXXX which closed. I had my account at XXXX for a number of years in good standing and I was not at all interested in having my account converted to Huntington. However, I had no option and for the most part the transition was smooth. I had a number of payments made from this account so I decided to move to Huntington for simplicity, what a mistake. The account was opened XX/XX/2019 and there were no problems with overdrafts etc, but last week they decided that I was a risk and notified me that my account was closed. As a carryover from XXXX a large portion of my paycheck goes into this account and now stability for my family is jeopardized. I was advised that the payment will potentially be returned to my employer making scheduled payments late. This will cause undue hardship on my family as I am the primary earner. Huntington has no definitive explanation of the risk that I pose. Quite frankly they appear risky as they have lost contracts inside of our local major retailers and the turnover rate is astronomical for employees. I am complaining that without risky behavior I have been deemed a risk and suspect that red lining may be the reason. I have researched some complaints against this bank and often there is a recurring theme and the sketchy actions usually originate with the bank itself. 
Thank you for your thorough review of my complaint and this unfounded accusation that they are making against me. I am able to provide all documentation of account activities since it was opened through merger in 2019. 

Respectfully submitted, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there were XXXX late payments and XXXX late payments with Grain Technology Inc., and XXXX late payments with XXXX XXXX XXXX XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in XXXX XXXX XXXX ( XXXX  ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with Grain Technology Inc. for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and also XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please look below view attached proof of the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your Promptness attention to this dispute these late payments and look forward to a resolution in a timely manner.
Product: Debt collection

The company stated they had sent the Verification Notice to an address where I never lived on XX/XX/year>. Following this, they had reported the lack of payment to Credit Bureaus. Therefore, I had not been notified of my debt before they reported it, which violates FDCPA 1692g.
Product: Debt collection

I just wanted to disputed this account from XXXX XXXX from XXXX XXXX XXXX. 
This debt is more than 7 years it should be deleted to my debt and credit report.
Product: Credit reporting or other personal consumer reports

Upon taking the time to go through my records, I was surprised to discover the presence of some late payments. Despite my efforts to seek clarification, I have not received any satisfactory validation or explanation for these late payments. This situation has left me feeling frustrated and uncertain about how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX XXXXXXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan me has sold my loan to another company called XXXX. I have paid XXXX for my loan with loan me from XX/XX/XXXX until paid off on XX/XX/XXXX. 
I filed a dispute with XXXX on XX/XX/XXXX because loan me did not update my loan status. After completing the investigation loan me reported I paid them until XX/XX/XXXX and then my loan was charged off. 
This is inaccurate information because I did not pay loan me I paid XXXX from XX/XX/XXXX - until paid off on XX/XX/XXXX after my loan from loan me was sold to them. 
Under the fair credit reporting act loan me has violated my rights. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
Due to the incorrect payment history and dates I would like to request loan me account is deleted from my credit report. I will attach the supporting documents of the Loan payments to XXXX for loan me being paid off on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently printed my TransUnion credit report and noticed fraudulent unauthorized credit/loan inquiries on my report, I reported this fraudulent activity to TransUnion via certified mail which they received on XX/XX/22 according to USPS return receipt. in my certified mail i included a copy of my FTC and Identity Theft report with a letter asking to remove the items and a copy of my ID, social security card and utility bills to proof my identity. I followed up with a phone call and they told me that the attached FTC report was invalid because they couldn't proof my identity. 

TransUnion stated that these inquiries were properly investigated and verified. however, how is this could be verified if I reported the unauthorized /fraudulent inquiries on my report without my written consent. as stated on section 604 of the FCRA and section 611. as a California resident I requested a description of the investigation procedures as stated on the FCRA act.

Section 604 [ 15 U.S.C. 1681b ] - Permissible purposes of consumer reports. 

( C ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. 
( XXXX ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 


611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required, ( 6 ) Notice of Results of Reinvestigation - ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph. 

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

( XXXX ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am also extremely disappointed with how Equifax handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory and free for every account.. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it XXXX including me XXXX following this data breach. Requiring a police report is absurd when they clearly know you were affected. 

Secondly, free " temporary unfreezing '' or a reimbursement program should be set up, seeing as this will now be a burden on me and everyone affected for the rest of my life. 

Third, something should be done to " incentivize '' companies like these to to act appropriately in situations like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. 3 ) Please send me a complete and current credit report, free of charge, per the Fair Credit Reporting Act, Section 612 ( c ) ( 3 ).

4 ) Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : I am seeking your assistance with the following items : XXXX. XXXX XXXX {$11000.00} Acc # XXXX XX/XX/XXXX XXXX XXXX XXXX {$22000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$22000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$33000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$12000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$29000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$12000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$2300.00} Acc # XXXX XX/XX/XXXXXXXX XXXX
Product: Debt collection

A recorded message keeps contacting me and my family. Stating they need my address, they have been trying to deliver legal documents to me. The recording gives their clients telephone number to be XXXX and file number XXXX. This number is to XXXX XXXX XXXX XXXX XXXX is rude and abrupt. I have been receiving these calls since XXXX. I filed BK in XXXX. My attorney spoke to XXXX also. The claim in that Chase has hired them to collect on a credit card debt. I spoke to Chase. Chase states they have no claims against me.
Product: Debt collection

The report given was made in violation of the FCRA, which requires the accuracy and the authenticity of the debt being mine, the accuracy applies to the ownership of debt as well as its authenticity being derived from my action