23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First, let me give background. I am unsure of the debt and why there is an attempt to collect. I previously received information from XXXX XXXX XXXX, who provided the attached letter about the inability to validate.

I want the initial communication from ERC, required under 809 ( a ) of the Fair Debt Collection Practices Act, to dispute the debt and request validation of this supposed, as a previous collection agency tried to do so and had to send that letter. Under 809 ( a ) ( 3 ) of the act, I know that the 30 days starts upon receipt of notification to dispute, not from whatever day ERC claims to have mailed it. I have not received the information, regardless of when it was mailed out, and it is on my credit report.
Product: Checking or savings account

Hello, my name is XXXX XXXX XXXX. I am writing this complaint due to an unfortunate situation. Me and my husband filed our tax returns in 2020. I received both checks from the irs to my bank account. The frist year I withdrew successfully, but the second year I was told by a bank manager that my account was being investigated for fraud and I would receive a letter in the mail for the reason why. Bank of America froze my account and now my husband can not get his funds back to him. I have made multiple calls regarding this. I never had the intention of fraud. I was not aware that a third party is not allowed to receive funds in my account. He has called Irs to request the funds from Bank of America but unfortunately, Bank of America declined the irs to get the refund sent back to the irs. Bank of America has no intention of helping me in any way. I would also like to remove my red flag, which has prevented me from going to another Bank institution. It was never my intention of fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Bank of America credit card did not stop my card from being charged over my XXXX XXXX XXXX specifically put in place to avoid going further in debt. My XXXX limit is {$5000.00}. Bank of America allowed {$7600.00} in charges. How does that make sense. They are taking advantage of me. I can't afford over {$5000.00}. Now what?
Product: Credit reporting or other personal consumer reports

I am still receiving emails from the credit bureaus suggesting that I am assisting credit repair companies, which is absolutely incorrect. I am the one sending out the letters. Please take immediate action to rectify this issue, or I will be compelled to take legal action. Below is the list of negative accounts and inquiries I want to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Ocwen Loan Servicing employee XXXX XXXX responded to my consumer complaint, XXXX XXXX, XXXX. XXXX XXXX attached a so called XXXX none fully executed XXXX XXXX XXXXXXXX XXXX modification with a forged signature. In addition XXXX XXXX attached loan modification schedule A with forged initials. Forgery and Fraud. It is illegal for incompetent loan servicers to use voided fraudulent documents, false principal balances, false payment history, fraudulent other fees, illegal force place insurance policies, commit fraud in the county recorders official records to slander title, then start using threatening tactics by using cozy relationship with trustee servers as a weapon against homeowners using fear and threats to coerce homeowners into increased modification they never applied for to avoid fraudulent trustee sales demanding hundreds of thousands of dollars in increased principal balances to fill own pockets with cash. I never signed the XXXX so called XXXX XXXX XXXX XXXX modification and I never initialed the loan modification schedule A. Ocwen Loan Servicing employees are covering up the loan servicers crimes so they can steal my home to fill there own pockets with cash. Ocwen and its employee are abusive and fraudulent. I contacted XXXX and was advised the tracking number on XXXX XXXX fabricated documents does not exist. Ocwen Loan Servicing, its shady employee XXXX XXXX and its lawyers are corrupt and should be in prison. This is the United States of America and we allow Ocwen employees and its lawyers commit such unspeakable crimes? It is illegal for the Consumer Financial Protection Bureau to collect millions in fines then allow Ocwen the option to not admit wrong doings so they can continue its crimes and abuse to homeowners, because that is exactly what 's been going on. Is it really about protecting the homeowners or is it really about collection millions?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writng to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. Iam aware of my rights under the Fair Credit Reporting Act and request athorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Finacial Protection Bureau filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practies. These practies, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previosly disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results. I am deeply concerned that my disputes may have been mishanlded in a similar manner.
Product: Credit card

I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.
Product: Credit reporting or other personal consumer reports

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I tried to use my card to make a purchase of {$5500.00} to my XXXX XXXX, with whom I have completed a transaction in the past. I used XXXX XXXXthe most secure payment method availableto attempt this transaction XXXX times. Chase took it upon themselves to lock my card. 

I called Chase to ask them to unlock the card. I fully authenticated myself with Chase. Chase refused, claiming that this was fraudulent activity, and said they will keep my card locked for XXXX hours while they investigate. The agent then immediately hung up on me before I could ask questions ( please listen to the call transcript ). 

I am now unable to use the card. Most importantly, I am unable to use the card benefits that I have paid a $ 250 yearly fee for, including earning XXXX XXXX XXXX and XXXX on this transaction and other transactions.
Product: Mortgage

On XX/XX/19, I called in to speak with a representative to confirm auto-draft was set up for my first payment. I spoke with XXXX who confirmed my auto-draft set-up. In error, XXXX processed a {$2000.00} payment, which was unauthorized and not discussed with me. I found out later that this {$2000.00} was for the next customer calling in and the agent processed it on my account instead of theirs. I spoke with a Supervisor/Manager who listened to the call and confirmed this. Since this overdrew my checking account, the manager advised me to place a stop payment on the {$2000.00} so it would not go through and that they would send me a check to refund the {$30.00} fee that I received from my bank. I've called in at least 7-10 times and spoke with various agents, wait on hold for 45 minutes each time to speak with supervisors, often get disconnected or have no answer, etc. XXXX, one manager that I spoke with told me she would follow up with me daily - I only heard from her once. Each time Loancare has a different request such as the proof of the fee wasn't sufficient. I provided a screenshot showing the fee, I provided a letter from my bank showing that I was charged a fee and for what purpose ( i.e., for the {$2000.00} Loancare stop payment ), and I provided a full bank statement. As of XX/XX/19, I have not received my {$30.00} stop payment fee due to the agent 's error. I have dedicated 10+ hours to resolving this issue and I only hope the CFPB can look into the practices of Loancare , as other customers may be struggling with the same issues of resolving internal issues due to agent errors. Loancare should take responsibility of their agent errors and resolve in a timely manner.
Product: Debt collection

I just seen a account from Ability Recovery Services LLC pop up on my credit report randomly one day ( Back in XXXX-XXXX  of 2019 ). So a few months go by then I decided to write them a letter around XX/XX/XXXX or so XXXX ishh and let them know my concerns regarding the bill and I would like VALIDATION not Verification of the item on my credit report. They then sent me a letter back saying basically you owe this debt to us and we bought it from the original creditor XX/XX/XXXX. They then have an attached document to go with it showing some doctor or so they say I went to they claim, and just an amount? I then sent in a letter letting them know if thats the case they're violating HIPPA Law by releasing medical documents without a hippa release form and a suit will be filed by me and my attorney if it is not removed from my credit profile. 

Also detailing the guidelines under the FCRA. It's been 2 weeks with no response of validation, full break down of the bill, bill of sale, or proof of a Hippa Release form. The 2nd letter regarding the violation was sent out XX/XX/XXXX & received XX/XX/XXXX. Today is XX/XX/2019. 2 weeks from the day. I dont want to have to take legal action. And it's best for everybody if its just removed from my credit profile. If not I will sue for monetary damages, loss of wages, and legal/lawyer fees. I have just spoken with my Attorney today and we're ready to take all courses of action but would rather not to avoid senseless situations like this but will if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of id theft and reported such incident to the proper authority. 
i have several accounts and inquiries that i do not recognize and asked that they be blocked, deleted. Subsection 604 in the FCRA ( which is the same as 15 USC 1681b ) I didn't authorize the reporting of that debt to the credit agencies. 

Unauthorized Inquiries need to be deleted XXXX XXXX XXXX XX/XX/2022 ON EXPERIAN CREDIT REPORT XXXX XX/XX/2022 EXPERIAN CREDIT REPORT XXXX, XXXX XX/XX/2022 XXXX CREDIT REPORT XXXX XXXX XXXX XX/XX/2022 XXXX CREDIT REPORT CREDIT PLUS XX/XX/2022 XXXX CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I paid for a consumer background and credit check to a would be landlord that say they had an available property for rent. After payment was submitted I the submitted information from the credit check website which in turn gave this person access to some of my personal information. At the time everything seemed to work, but then they wanted me to have someone else perform the same procedure. They only completed one process of a purchase of {$1.00}. I on the other hand paid {$29.00} and then {$1.00} for XXXX XXXX XXXX  When the time came for me to view the property the person vanished. Blocked my calls and rejected emails.
Product: Checking or savings account

I would like a full investigation into Capital Ones 360 savings account. I believe there are deceptive practices regarding High yielding interest regarding 360 Performance Savings account.
Product: Debt collection

Suddenly they called me for a debit what I had no idea about. They would not tell me anything about the debit until I give/verify them my full SSN. Finally I got the original creditor name from the credit report. I used to live there until XXXX, XXXX and left paid everything. Since then no one XXXX original creditor ) ever claim anything other then this abusive collection agency. The collection agency did not verify the debit with me rather they directly put it to credit report and messed up my credit. 
When I contacted the original creditor, that XXXX would not give me any info or even would not talk to me. I had some argument with him long time ago, so I think this way he messed up my credit. 
Both the collection agency and the original creditor extremely abusive and XXXX biased. They did not claim/verify/validate the debit but put the claim directly to the credit agencies intentionally to destroy a very young student early credit life.
Product: Credit reporting or other personal consumer reports

See previous Complaint # XXXX. Regardless of complaint closure, I continue to disagree with FMC policy of maintaining $ XXXX annually, interest free, in escrow account. FMC claims " required '', which is not true - that amount is actually the maximum they are allowed by law to retain. Policy is unethical and unfair to customers.

FMC did subsequently agree to escrow ( re ) analysis, and I worked with rep XXXX XXXX during XXXX to accomplish. I paid the monthly principal and interest due ( {$1400.00} ) on XX/XX/XXXX, to avoid any late fee or negative credit reporting, even though XXXX XXXX previously agreed to waive any late fees. There were some reasonable delays in the process due to the successive XXXX and XXXX XXXXXXXX XXXX holidays. After the escrow ( re ) analysis was completed, I promptly paid the new ( reduced ) monthly escrow amount ( {$630.00} ) on XXXX. Despite our good-faith work together, FMC improperly delayed posting the XXXX payment amounts and subsequently reported the mortgage account as negative. 

I paid the new monthly payment total amount ( principal, interest and escrow ) for XXXX  ( {$2100.00} ) on XXXX
Product: Debt collection

On XX/XX/2024 I paid misland credit management {$1000.00}. For an account that I owe with XXXX XXXX XXXX XXXX  They promised me a letter of deletion that I still have not received. I upheld my part of the deal and have not received there end of the deal. Please remove debt from my credit report.
Product: Debt collection

National Credit Adjusters keeps changing the date of this loan they say I made. I do not owe this debt. I ask for proof my signature something to prove this is a valid loan they say i got online. I am on XXXX XXXX why would i take a loan out. I even ask the credit bureau they keep saying its validated but i never get a copy.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I've had my personal and business account with TCF Bank for over a year. The business account was closed due to non-activity and account maintenance fees. The personal account I have with TCF Bank I just recently found out my account was closed due to a " fraudulent '' transaction presented to my account multiple times that caused my account to go into a negative status. I haven't used the account in almost a year and recently spoke with a representative back in XX/XX/2019 that stated the account was in a dormant status because of no activity within 1 year and I was told I would need to go inside the branch to re-activate the account and at the time the account was in a positive status. Today, I spoke with a representative that stated the account was closed and sent to collections for an account balance of {$140.00} in fees due to a " fraudulent '' charge being presented to my account multiple times. I don't understand how this could happen and don't want my banking relationship with TCF Bank to ruined or my credit.
Product: Credit card

I am XXXX on XXXX and unable to make payments at this time. Kohn Law Firm has taken me to court on behalf of XXXX Bank for the balance. They call and send me mail daily threatening garnishment, lein on my property, going after my ex and further action. XXXX is also suing me for the same on a XXXX XXXX account.
Product: Debt collection

I sent a debt verification letter saying that I disputed the debt. NO verification was sent at all. The debt collection attorneys proceeded to sue me anyway -- - without giving me any debt verification or notice according to federal laws. 
Also, I have attempted multiple times to verify the debt in the past five years XXXX with my son 's help ) and NO verification or validation has ever been sent through the mail. 
I only wanted to clarify the information because they have my last name consistently spelled wrong. I heard nothing. 
Now the debt is almost time barred and they are suing without providing verification. I am XXXX. Thankfully my son was able to send the validation letters and write this on my behalf. Someone please help. Thank you
Product: Credit card or prepaid card

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 if the person knows or has reasonable cause to believe that the information is inaccurate.