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

I am filing this complaint regarding an improper and prolonged hold on a check deposit. The details are as follows : Check Amount : {$4000.00} Deposit Date : XX/XX/XXXX Issuer : A company from which I have successfully deposited larger checks multiple times over the past year As of XX/XX/XXXX, the funds remain on hold and are not reflected in my available balance. This delay has caused my other accounts to overdraft, leading to potential overdraft fees as bills are processed. 

I received a mailed notice on XX/XX/XXXX, over a week after deposit, stating, " We have confidential information that indicates that the check may not be paid. '' This explanation is both vague and inconsistent with my banking history, as I have never had an issue depositing checks from this issuer. 

Under Regulation CC, the maximum allowable hold time for a non-local check under {$5500.00} is 5 business days. The extended hold is unjustified, unlawful, and has resulted in financial harm due to overdrafts and delayed access to my funds.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

I received two calls with in 2 minutes and then another one les then 30 minutes later just today and at least 4 times a day any given day.I will receive 3-5 calls more before the end of the day. They leave pre recorded messages as well that cuts off so you do n't know the name of the company. The phone number that is calling all day is XXXX. When I told them that they are calling too much and I was reporting them the lady laughed at me. It 's for medical that I 'm disputing at his time so they should n't even be calling me. Their collection efforts are abusive at his point and need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX : XXXX, N/A XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX, Experian : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, Experian : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX. XXXX XXXX XXXX : XXXX, Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX XXXX XXXX XXXX  : XXXX Experian : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX PXXXX XXXX XXXX XXXX XXXX   XXXX  : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX : XXXX.
Product: Student loan

I have a student loan in the original amount of roughly {$28000.00} with XXXX XXXX. The loan is currently with Northstar, and has passed to XXXX and a few other companies. I was enrolled in a 0 % interest program and have been paying on the loan for almost 8 years now. My current balance is roughly {$34000.00}. My loan has also been bought and sold to numerous companies without my knowledge. I have enrolled in the reduced interest program repeatedly, only to find out there was a mistake on the companies behalf, and that I would have to enroll all over again, meanwhile being charged exorbitant interest rates while being a few dollars off on the payment amount to qualify. The most recent example of this was in the winter of XXXX ( XXXX or XXXX. ) I was paying {$150.00} per month, and the representative told me there had been an error and and I needed to be paying {$160.00} to be on the 0 % interest program. Between XXXX and XXXX, they had asked me for a {$1000.00} down payment to be entered into a 0 % interest program. They failed to tell me it was only good for 6 months, and then did not contact me when it ended. This happened a number of times. My account was being sold from company to company, all demanding large down payments to be in reduced interest programs. I know I have payed off around {$15000.00} over the past 7 years, and somehow my principal balance seems to keep going up. I am currently receiving demands through Northstar Location Services. I am currently paying {$160.00}, as they told me last time I called I was off by {$8.00} to qualify for 0 % interest- so they blatantly lied to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information, no knowledge of account FTC violation
Product: Credit reporting or other personal consumer reports

15 uSc 168|6 Clearly States " Any consumer reparting agency may furnish a consumer report under the fallowing circumstances and no other ( 2 ) In accordance with the written instructions of the consumer Thats Aggravated Identity Theft 18 uSc 1028A because they have possession of your information any they are also us it without consent from the consumer 15 USc 6802 A Financial Institution may not XXXX disclose nonpublic personal information to a nonaffiliated third party unless XXXX They give you the consumer the opportunity to exercise your right to opt -out According to the FCRA, these unverified and unauthorized items must be removed.
Product: Debt collection

This collection agency, HP Sears, has listed a collection account on my credit file. I have never done business with HP Sears. I do n't have a signed contract nor any other type of contract with HP Sears. I have the right to demand to see a signed contract between myself and this company. <P/>Also as of XX/XX/2017, based on the Nevada government website for financial institutions ( fid.nv.gov ), HP Sears does not currently have a valid license in the state of Nevada to collect on debts. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and HP Sears. I also request to receive physical proof that HP Sears is licensed to collect on debts in Nevada.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card or prepaid card

I'm on XXXX and the State of New Jersey Department of Labor and Workforce Development  sent a debit card that I never received. It got stolen and I reported it to Bank of America. They even sent me a letter saying that the the card has been subjected of fraud. The amount stolen was {$4400.00} and the Bank of America sent me a new card but with only {$22.00} left on the card. The bank did not put the said amount to my new card and closed the case even after admitting it was all stolen. I've been calling numerous times. I spoke to a lot of people but I lost some of their names. They usually tell me to wait, hang up, reopen the case, or that I will be getting the money the end of the month of XXXX. The recent people I spoke to was XXXX who says I will be getting a letter from Bank of America. Then I spoke to XXXX who says they'll reopen the claim and to wait. Then just spoke to XXXX and he said I will get a call back from the supervisor. I mean this is a horrible bank and how can they say all these lies to a customer whose money was stolen. They have no conscience ; it's pandemic and I'm really hoping u can help me please. Thank you. Sorry about the mess on the letter, I take notes on it from the calls.
Product: Checking or savings account

I am continuing to have an issue opening up a credit, checking, and savings account with Capital One Bank, N.A. Capital One Bank is refusing to open up any accounts for me due to me having a previous bankruptcy on my XXXX XXXX, XXXX, and XXXX credit report, and having previous credit card accounts with Capital One Bank that was opened fraudulently and was the result of identity theft. Capital One Bank is discriminating against me based on my race, income, me having a bankruptcy and previous fraudulent credit card accounts with Capital One Bank. Capital One Bank is in complete violation of the Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Tried to open checking account with XXXX XXXX XXXX? And I was directed to get a report from this company and they would not provide it. 

Early Warning Services , LLC
Product: Debt collection

I spoke with XXXX XXXX at Harvard Collection Services XXXX HSC ). She was very rude with me while I was trying to get information about the accounts that I have. She would huff and puff and acted like she had an attitude because I was asking for information on my account. She was very disrespectful when I asked about the account information. I missed XXXX payments with them because I am a XXXX in Advanced Indivual Training at XXXX XXXX, SC and was not able to contact HCS during business hours. I informed her that I was gathering informatiion and would call back. However, she began to get loud and yell and informed me that I was XXXX behind in payments and that I needed to take care of the issue. I again told her that I would call back and she got extrememly rude and informed me that my entire balance would be due in full the next time I called. 

This is unacceptable. I am a Soldier trying to get my finances on track and I am being treated like this over a medical bill. She was unprofessional and should be fired!
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Line of Credit Loan taken out in XX/XX/2023 ; payments and interest rates not stated clearly. After making over {$3000.00} in payments, only {$170.00} had actually gone to paying the principal amount. That is over 300 % interest rate. Each payment made was hundreds of dollars, which is predatory and unreasonable. When I wasn't able to make a payment, choosing between basic living necessities over a {$980.00} payment, I was threatened via text message by a woman named XXXX who stated, " Please be advised that the payment will be attempted at any time without notice, it's best to set something up... '' I tired to resolve the issue and come to an agreement of a payoff amount that doesn't involve more occurring interest at over 300 %, but was told they wouldn't accept anything less than what was owed plus interest. Excluding the interest, the principal amount borrowed has already been paid back.
Product: Mortgage

I am filing an additional complaint on behalf of Case number : XXXX. I have heard back from Wells Fargo in regards to the deed in leau, but it is the same response as always. XXXX ( the home preservation specialist ) stated I need to submit the same exact documents that they already have on file and then made up additional documents that they 've never needed before. I requested that they send the ENTIRE list of documents needed in one letter so I do n't have to keep re-sending them, which I 've never received. This was all before XX/XX/XXXX and now I have heard NOTHING back from them since. I also reached out to XXXX XXXX, but she has yet reached back to me to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found fraud inquires on my credit report at XXXX and Equifax. Tried to call them, but they refused to wipe this inquiries
Product: Debt collection

I do not have any contract with this company, and no validation has been received by the credit bureaus for proof of this. Also this company is not licensed to collect in the State of Florida I already researched the states website to verify this. I want this removed immediately from all of my credit bureau files ( XXXX, XXXX and XXXX ) and for this company not to sell this debt to anyone else so I do not have this problem on my credit bureaus again. They need to mark this as a {$0.00} and completely remove my information and DO NOT sell this to anyone else so I wont have to deal with this again in the future. I deserve to be sent a copy of this with a XXXX balance from the company.
Product: Debt collection

XXXX XXXX collection has been all my report on and off for the last 7 years I have had remove 4 times why do they keep bringing it back on my credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Auto reported me tot he credit bureau inadvertently. I did not receive any information of a balance due from Ally. We have recently moved our mailing address and notified Ally of the address change. Nevertheless, they kept sending mail to the old address, which has been forwarded to me by the post office. We even received checks from them of reimbursement of leased vehicles which we had credit due to us, but nothing about a balance due. Ally could have contacted us by phone or by my email ( which hasn't changed for three years ), but decided arbitrarily to report the balance due to the credit bureaus for 90 days! The worst is that I was only made aware of the outstanding balance because the lender of my new house informed me when pulling my credit report. Please note I have excellent payment history with Ally, never missed a due date, since 2019 when my company started during business with them. They even had access to automatic account withdraw for their payments. By Ally reporting me to the credit bureau as delinquent my credit score was affected. THis is unacceptable especially at a moment my wife and I are closing on our new home and this situation has dramatically damaged my credit score while applying for a loan. I contacted Ally as explained the situation and paid the balance due the same day I was informed of the issue. I called back and they verified I had paid the full amount but the supervisor wasn't helpful to remove the derogatory remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. I want to emphasize that the accounts and information mentioned below should not be included in my consumer report as it violates both the FDCPA and FCRA. It is imperative that these accounts and information are promptly deleted and removed from my consumer report, as their presence on the report is in violation of multiple laws. Please take immediate action to remove these accounts and information from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$13000.00} XXXX/XXXX   XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$1000.00} XXXX  XXXX {$180.00} XXXX  XXXX {$370.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1000.00} XXXX XXXX {$280.00} XXXX/XXXX  XXXX {$970.00} XXXX   XXXX {$1300.00} XXXX/XXXX XXXX {$780.00}
Product: Credit reporting or other personal consumer reports

I am a XX/XX/XXXXThe information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 1. XX/XX/XXXXDate of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> 3. XX/XX/XXXXDate of inquiry : XX/XX/year> 4. XXXX Account XXXX : XXXX 5. XXXX XXXX Account XXXX : XXXX 6. XXXX XXXX Account Number : XXXX 7. XXXX Account Number : XXXX 8. XXXX OF XXXX Account Number : XXXX 9. XXXX Account Number : XXXX 10.XX/XX/XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send menotification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

I was in the hospital for covid XXXX to XX/XX/21 I have XXXX XXXX insurance and have paid my XXXX deductible to all parties that billed, doctors, hospital, etc. All has gone through XXXX. 
Today I received XXXX collection accounts from XXXX XXXX of Texas XXXX that appear to be trying to double bill me for services rendered by the hospital Doctors. None of the so called XXXX doctors on their list, tended to me, Nor Have I EVER received a bill from them, or has it gone through my insurance. 
I have contacted this collection agency called Online Information Services at : XXXX They are supposedly reaching out to the XXXX XXXX to get a bill to verfy the debt and send that to me. 
They are not only trying double charge for services, Ive already paid through my insurance, they are OVER CHARGING AS WELL! No one at XXXX XXXX 's knows who this XXXX XXXX is.
Product: Credit reporting or other personal consumer reports

ONE MAIN ACCOUNT # XXXX OPEN DATE XX/XX/XXXX LAST ACTIVITY XX/XX/XXXX THIS ACCOUNT WAS SETTLED AS AGREED IT ONLY HAD XXXX LATE PAYMENTS AND AFTER THAT I WAS PAYING IN FULL NEVER MISSED A PAYMENT AFTER UNTIL REQUEST TO CLOSE AND SETTLE. 
THE ACCOUNT HAS BEEN CLOSED SINCE XXXX THATS 6 YEARS OF REPORTING NEGITIVE IVE REQUESTED TO DISPUTE AND REMOVE ACCOUNT FROM CREDIT MY REPORT.
Product: Debt collection

The communication tactics by XXXX XXXX representatives were obscene and abusive. I called to make a payment over the phone and I was told that my attempted payment amount was absurd and that I should get a job and stop being lazy, among other hurtful language. To top it off, The representative, XXXX, told me that my feelings dont matter to the world and I was better off not in it. This is all during the COVID-19 pandemic and it has been very difficult to find work anywhere while keeping my spirits up. I am also a future XXXX XXXX XXXX who will soon be in a position to protect and serve my country. It pains me to receive this type of verbal abuse knowing I will be protecting this kind of behavior.
Product: Debt collection

Debt collector is not giving me legal information that I need to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX And Experian all have police and identity theft reports and when an item disputed they refuse tobacco within 48hrs
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with WELLS FARGO CARD SER was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.
Product: Debt collection

In 2018, I had received an 6 months interest free loan from Comenity Capital Bank for {$740.00}, which has been paid in full. Comenity assessed late fees on the account ( and compounding interest upon those ) and the cause of late payment was multiple rejected payments from their financial services department due to an unaccepted payment type. 

I made a {$240.00} payment on XX/XX/XXXX and a second payment of {$500.00} on XXXX. The second payment was rejected by Comenity Capital Bank due to a payment type of 'virtual card mailed ' not being an accepted form of payment. I had issued the payment first payment from my XXXX and the second from my FSA. At the time, I didn't know that the payment had been rejected, I just saw that the payment had been issued from my XXXX/FSA and Comenity 's customer service department had called me to tell me they hadn't received payment. So I coordinated with my XXXX distributor and issued payment again on XXXX, which was again rejected. After multiple phone calls between both the XXXX company and Comenity, I was able to get a number to Comenity 's financial services department and finally to understand that the payment type was the problem ( during all of the calls I placed to or received from Comenity never told me that this was the problem until I was able to speak with their financial services department ). I coordinated with the XXXX distributor and issued the payment again on XXXX. This time it was accepted. 

I continued to receive phone calls and had multiple discussions with collections at Comenity and explained the situation, but they refused to dismiss the late fees and associated compounding interest. On top of that, I've received thousands of dollars of loans from Comenity in the past and had paid each one on time, until this situation. 

Over a year later, I am now receiving calls and mail from a second debt collector, after having provided written dispute to the first debt collector that included payment dates, payment reference numbers, and the contact information to my XXXX company. Not only has my credit been affected but my family members have received collections calls and been harassed for over a year.