23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company, Capital One NA is contacting my cell phone ( my cell # XXXX ) everyday at 30 times per day, calling me after XXXX XXXX and using several phone numbers as follows : my area code is XXXX-The communication tactics are deceiving, misrepresenting/who is contacting my phone with my area code ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The collection account RMP is not mine, I reached out to the company in which they stated they did not have an account with my name or SSI attached to it. I have written several times asking for them to remove this file from my credit report because it does belong to me and is hurting my credit file. This file was last updated XX/XX/2019 from RMP services LLC for {$1200.00} and for {$610.00}. I have asked for them to show a signed contract to me showing my signature that also was unable to be could not be provided to me.
Product: Credit card or prepaid card

I am a small business owner that have been affected due to Covid-19. Before Covid-19 I have been making payment to my Chase Business card for about three years. In XXXX I was able to make my last payment then on XXXX XXXX, 2020 ; I got very sick that had to go to the hospital for the second time on that same year. They kept me at the hospital with XXXX medication then I was XXXX. I was home sick for more than 3 weeks. By mid-XXXX of 2020 ; I called XXXX to asked them to give me a lower interest rate or lower my monthly payments to be able to afford the payments. I explained that my business was affected severely as my prospect clients were affected as well. Despite all the efforts thru phone calls and letters that I uploaded into their system on the credit card message. No one at chase was able to help me by at least closing the account lowering the interest payment and making a payment plan. My original balance on XX/XX/ 2020 was {$29000.00}, the last payment I made was XXXX 2020 for {$710.00}. Then my balance went up just for interest and charges to {$32000.00} with a monthly minimum payment for {$800.00} while the pandemic. I had to borrowed money from family and friends to pay some bills that I was able to afford ; between working and borrowing money I have been able to put food on my kids table and keep a roof trying to make ends meet. Due that Chase reported my business account into my personal credit report. If I do not fix my credit score, I was told by the wholesalers ' lenders that I must keep a decent credit score to be able to do business with me. I am a one stop shop men that wears all kind of hats trying to survive during this pandemic. Small business like mine ; I feel we were left behind while big corporates were able to be bail out or give free money to keep going. 
On the credit card page, they had a link to request help for Covid-19 ; however, I clicked on that link but the link took me to the same credit card page from Chase. 
When I requested help over the phone the customer representative stated that closing my account and {$800.00} per month was my relief due to Covid-19. 
The latest phone call that I received is that they are going to put my credit card as a charge off. I want to make payments but can not afford at this moment what they are asking me.
Product: Credit reporting or other personal consumer reports

The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, Sec. 623.

Responsibilities of furnishers of information to consumer reporting agencies, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. 

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. Sincerely, 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 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 reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting XXXX late payments ( XXXX, XXXX, and XXXX days past due ) for both accounts [ Account Numbers : XXXX and XXXX ]. These entries are inconsistent with my payment history. Despite disputes submitted on XX/XX/year>, XXXX XXXX has failed to provide validation. 

This letter serves as a formal request for investigation and validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Issues Identified Account XXXX [ XXXX ] : XXXX late payments ( XXXX, XXXX, and XXXX days past due ) have been reported inaccurately. 
A past-due amount of {$30.00} is listed without proper validation or notice. 
Account XXXX [ XXXX ] : Similar late payment markers ( XXXX, XXXX, and XXXX days past due ) and a {$30.00} past-due balance are being inaccurately reported. 
Consumer Law Violations 15 U.S.C. 1681i ( a ) : Under the FCRA, I have the right to dispute the completeness or accuracy of any item on my credit report. XXXX XXXX is obligated to investigate and correct any inaccurate information. 
15 U.S.C. 1692g : The FDCPA requires creditors or collectors to validate debts upon request. This includes providing accurate documentation of the delinquency and any supporting information.

Demands for Validation and Resolution I request that XXXX XXXX conduct a thorough investigation and provide the following : Validation of the reported late payments, including dates, payment history, and proof of delinquency notices sent to me. 
Documentation to substantiate the {$30.00} past-due amount for both accounts, including itemized charges, fees, and original agreements. 
Immediate removal of any unvalidated or inaccurate information from all credit reporting agencies. 


Attached is a copy of the debt validation letter, copy of my DL, Credit Report, SS Card, Insurance Card for address verification.
Product: Checking or savings account

In XX/XX/2019 I placed online a credit card payment to pay to XXXX XXXX the amount of {$250.00} USD of XXXX Credit Card. 
THERE WAS SUFFICIENT MONEY TO PAY. FUNDS WERE SUFFICIENT. 

However, XXXX XXXX instead of receiving a payment of only {$250.00} from the account ONLY they received an extra payment of {$240.00} USD So, the total amount received by XXXX  XXXX was {$490.00} USD instead of Only {$250.00} USD. Two payments instead of one.

As soon as I knew I reported this Situation to Bank of America to ask for a dispute and they said I needed to call first to request the extra {$240.00} So, I did and XXXX  XXXX said the money could take even ten to 15 labor days to put it back. 
SO, IT IS CLEAR THIS WAS A BIG MISTAKE FROM XXXX  XXXX. 

IN REALITY WHO IS GUILTY OF THIS MESS IS BOFA. 
WHY? let me explain. 
Bank of America is a very dishonest institution, its policies are very tricky. 
Why BANK OF AMERICA authorized the {$240.00} Extra Dollars to pay when there was not more funds to pay the {$240.00} USD? WHY? 
I never received any letter from BOFA about the extra {$240.00} tyhey just authorized a payment when there was no funds and charge a fee to me. 
THIS IS A VERY DISHONEST BUSINESS. 
So, IF BOFA would not have authorized a payment for which there were no funds, there would have been no problem. 
BUT BECAUSE THE CORRUPTED POLICIES OF BOFA THAT WAS THE BEGINNING OF TROUBLES. 
BOFA ONLY APPLY POLICIES WHEN THEY WANT AND DO NOT APPLY THE SAME POLICY WHEN THEY DO NOT WANT. 
To be clear. 
THEY AUTHORIZE PAYMENTS WITH NO FUNDS AND DO NOT TELL THE CUSTOMERS.AND CHARGE FEES. 
AND IN OTHER CASES THEY DENY TO PAY AND SEND A LETTER TO THE CUSTOMER. 
So, THEIR POLICIES ARE TOTALLY TWISTED. 

So, continued making cash deposits for my payments using Bofa Account. 
Before any payment I did the deposits. 
But No BOFA wants to charge me more than 100 USD for different charges, definitively I do not accept. 
My request is to delete those charges And IF there is a difference I will pay and I WILL BE MORE THAN HAPPY TO CLOSE THE ACCOUNT. 
In fact I do not want to know anything about this corrupted bank. 

I AM REALLY TIRED OF BOFA AND THEIR CORRUPTED POLICIES, THEY APPLY THE POLICIES IN DIFFERENT WAYS IN SAME SITUATIONS. 

I have spoken with BOFA and Told the lady representing BOFA, I will not accept those fees which are totally absurd She said I will delete only one but you have to pay the other charges. 
I SAID : DELETE THOSE CHARGES AND IF THERE IS A DIFFERENCE I WILL PAY AND PROCEED TO CLOSE THE ACCOUNT.. 
The fees they charge are even higher than the payment itself. Which is very ABSURD.!!! 
AND I WANT TO BE CLEAR EVERYTHING ALL THIS MESS WAS ORIGINATED BY BOFA POLICY HOW THEY APPLY THEIR TWISTED POLICY. 
YES THEY ARE VERY, VERY DISHONEST IN THE WAY THEY APPLY SAME POLICY, SAME SITUATION IN A VERY DIFFERENT WAY. 
ALWAYS TRYING TO TAKE ADVANTAGE OF CUSTOMER. 
I CAN PROVE IT. 
YES, BOFA HAS A VERY DISHONEST POLICIES, VERY TRICKY INSTITUTION Please do not hesitate to contact me If you might have question or need additional information. 
Thanik you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX {$920.00} XXXX. XXXXXXXX XXXX XXXX {$20000.00} XXXX. XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX1200.00} XXXX. XXXX XXXX {$640.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Reinserted Account - Request for Removal Dear XXXX, I am writing to formally dispute the reinsertion of a previously deleted account on my credit report. Upon reviewing my latest credit report, I noticed that XXXX XXXX XXXX ( Original Creditor - XXXX  XXXX ) Account Number XXXX has been reinserted after it was previously deleted following a dispute. 

Under the Fair Credit Reporting Act ( FCRA ), if an account is reinserted, the credit bureau must notify me within five business days and provide certification of accuracy from the creditor. I did not receive any such notification, which is a violation of my rights under the FCRA. 

I request the immediate removal of this account from my credit report unless the creditor can provide verifiable proof that the information is accurate and was properly reinserted with the required certification. Please provide me with a copy of the reinvestigation results and certification of accuracy, as required by law. 

Enclosed are copies of my previous dispute letter, the the credit bureaus response confirming the deletion, and any other relevant documentation for your reference. 

Please complete this reinvestigation within the legally required 30-day timeframe and provide written confirmation of your findings. If this can not be verified, I expect it to be permanently removed from my credit report. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

2. The next complaint is XXXX XXXX College is reporting the same debt twice on my credit report from XXXX XXXX XXXX and Rentdebt Automated Collections. Both have the same amount owed and paid. XXXX XXXX XXXX is showing XX/XX/XXXX and Rentdebt is showing paid XX/XX/XXXX. I don't understand how they are able to put the same debt on my credit report twice and have different dates of service with the same account number. I called both parties and no one seem to know why it's being reported twice but XXXX  or the collection agencies will fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 XXXX XXXX affiliated with Equifax has removed XXXX points for decrease payments explanation. 
2.XXXX XXXX associated with Equifax Remove XXXX point which is not substantiated. I reached out to XXXX XXXX and never got any answers. 
3. XXXX XXXX XXXX reporting accounts with a no explanation but saying XXXX XXXX has information update no update. These accounts must be removed 4. XXXX XXXX associated with Equifax have not follow the FCRA by removing accounts ordered by creditors who so the said accounts to multiple collection agencies that did not report the said accounts were paid with XXXX balance keeping my accounts in the negative and crippling my financial growth and credit. This is unfair. XXXX XXXX associated with Equifax has not corrected my credit profile. I am considering legal assistance if this issue can not be corrected. 
5. I have requested that the points be added back 6. XXXX  XXXX took XXXX point from XXXX on a credit card that I don't have. How can points be deducted if I don't have credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XX/XX/2022. Here are my tracking numbers XXXX, XXXX, XXXX, To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institute is suppose to share my information to any third party.

These are a clear violation of my federally protected consumer rights
Product: Mortgage

I made a deposit to my depository account with my current financial institution and upon doing so, the funds were applied to an incorrect depository account. I was not aware of this information until after I scheduled my mortgage payment and was notified by my mortgage company that the payment was missed. Immediately upon discovery of the issue, I rescheduled my mortgage payment and called the mortgage company to explain the situation. The customer service reps were unwilling to budge and refund my fees. They informed me that I was charged a late fee AND a return check fee. There was never a check involved but they said they just charge a return check fee for every return even it is ACH. I don't agree with that. I also have not paid my mortgage late beyond the grace period allotted since the XXXX pandemic. I have been very diligent about getting things paid timely and then a situation like this seems like the mortgage company has no compassion or understanding for errors that are beyond my control. I say this is out of my control inasmuch as I instructed the banker at my depository institution to apply the deposit to the account in which I pay the mortgage from. 

Anyway, I feel like charging a customer with a late fee AND a return check fee seems quite predatory. Also labeling the junk fee as a return check fee when that is not what it is ( there were no checks involved ) can be very misleading to reading account history ledgers, etc.
Product: Debt collection

Eaton Group had contacted me back in 2002. I was a victim of identity theft following a house fire and i disputed the debt, provided paperwork to them and requested verification of debt. This company falsely claimed service, obtained a judgement, leaned my house and are garnishing my wages all on an account I have ZERO knowledge of and disputed from first contact. They ignored requests for normal standard credit debt information and sat for XXXX years before garnishing my wages. THIS SHOULKD BE ILLEGLE XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 items in my credit record that came about due to alleged fraud or extortion. 
XXXX 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 XXXXXXXX Balance : {$18000.00}
Product: Debt collection

On XX/XX/XXXX I submitted a dispute with Experian because they were reporting inaccurate and false payment activity for an account on my credit report. On this particular account, Experian was showing payment activity for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but the account was not opened until XX/XX/XXXX. 

Experian received this dispute on or about XX/XX/XXXX and completed reviewing my dispute on XX/XX/XXXX. 

Rather than remove the account with the inaccurate and false payment activity, Experian intentionally and maliciously decided to remove two years of positive payment history from this account. 
This action by Experian adversely affected by credit report and credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  {$4300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$4100.00} XX/XX/XXXXXXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX {$980.00} XX/XX/XXXXXXXX XXXX XXXX {$840.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX XXXXXXXX {$660.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.