23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX Letters were sent to all 3 credit reporting agencies. 
Each agency stated that they verified all accounts without providing evidence of verified account documentation. On XX/XX/XXXX I submitted a claim with CFPB and all reporting agencies stated that the information they provided were verified though i did not receive not one document of verification. 

The information regarding a XXXX XXXX XXXXXXXX account i never opened with a limit of {$700.00} should not be on any of my accounts. I closed it for the reason that i never approved it to be opened and never used the credit line. This account should be deleted. 

Somehow Bank of the west i have over 3 accounts with the same bank that is in collections with no verification that they are mine and i have no recollection of opening an account excluding one which has been paid and closed for the amount of {$170.00}. 

On XX/XX/XXXX There is a bank of the west account that is stated by the credit reporting agency of a balance of {$2800.00}, Credit Limit {$2500.00} date reported XXXX. However, on XX/XX/XXXX reporting statement says Balance {$4500.00} and amount pass due {$2600.00}. The previous amount pass due on XX/XX/XXXX stated {$930.00} with date of reportinXXXX XXXX  on each document in XXXXXXXX 

There is also a NEW Bank of the West account with {$1600.00} balance due with charge off amount of {$2800.00} on credit report XX/XX/XXXXXXXX 

Credit agency stated " verified account and information has been updated '' with no documentation of verification.
Product: Checking or savings account

Ally Bank had closed my account and I contacted Ally Bank on XX/XX/year> and it was confirmed that my account was closed and the remaining balance of {$1200.00} in my account was sent to me via check. I have not received the check for my balance and today I called Ally to ask when the check was sent out and Ally told me that my balance is isolated and to contact the person that wrote me the checks and that there is nothing further for me to deal with regarding Ally. This makes no sense, the person who issued me the checks confirmed that the checks have cleared so they dont even have the money anymore. The money is in my Ally account balance which I was told would be sent out or had already been sent to me via check. I just want my money. I dont know what sort of games Ally is playing by not sending me my money from my account balance and referring me to the person who wrote me the checks, whom dont even have the money anymore.
Product: Debt collection

I entered a XXXX  month lease agreement for my mother with XXXX XXXX in XX/XX/XXXX, unfortunately she was unable to live in the apartment due to her XXXX. The management co and apartment management were both notified of such. I was notified that I would be held liable for the lease until such apartment was re- rented which happened in XX/XX/XXXX. No communication had been received from either the apartment management or XXXX until yesterday XX/XX/XXXX when we received a collections call for XXXX. The issue I have is how can XXXX people pay for the same apartment. Wouldnt that be considered fraud. Please help me. The collection agency refuses to discuss the issue, XXXX XXXX refuses to discuss the issue and the apartment managers are also refusing to talk to us. My husband is the co-signer
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus XXXX, Equifax and XXXX did not do a proper investigation according to the FCRA. The term XXXX XXXX Report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
All three credit bureaus did not do this. 
Also, Equifax, XXXX and XXXX have violated my rights even more, in accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report. Below is an attached credit report that has proof and evidence that after an investigation was requested each credit bureau XXXX, Equifax, and XXXX all stated that the disputed items were verified ( Evidence below ). However, it is shown evidence on my credit report to have 189 Violations of reporting inaccurate information, inaccurate accounts, and inaccurate and illegal late payments. Again, everything must be 100 % Accurate on my credit report and it is not. 
Equifax, XXXX, and XXXX stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and inaccurate late payment days are inaccurate. This is ground for removal. 
They violated the law because according to 15 U.S.C 1681 section 602 A. States I have a right to privacy. 
According to the law 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. I as the consumer did not give anybody written instructions. 
Again, everything must be 100 % Accurate on my credit report. 
According to the law 15 U.S.C. 1681c ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt According to 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) Communicating with a consumer regarding a debt by post card. ( XXXX and Equifax used XXXX XXXX ) ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

This complaint is being filed against US Bank Gift Card services. A gift card was purchased in XXXX for the amount of {$100.00}. The card is labeled and sold as " {$100.00} MasterCard Gift Card '' and a {$5.00} activation fee was processed at the time of purchase. The disclosures which came with the card do not describe the card as being anything other than a Gift Card. There's nothing within the disclosure distinguishing or defining the card as being bound to any other " gift card '' classification. Recently, XX/XX/XXXX I called to register the card in my name and was told that there was only a {$2.00} balance remaining on the card. I was informed that US Bank deducts administrative fees if cards are not utilized within 12 months, except where prohibited by state law. I informed the company that I reside in the State of Illinois where consumers are protected from such fee transactions. They escalated my complaint and refunded me {$24.00}. They informed me they were only able to refund up to 12 months of fees, as their systems only contained 12 months of data. They had not retained records beyond 12 months. They then went on to tell me that if I did not utilize the card soon, they would once again deduct fees. I have expressed my understanding of them not having better record retention policies in place, and I have expressed that refunding {$24.00} is acknowledgement of their original error, and that I expect the full amount of {$100.00} to be refunded. They continue to submit internal third party complaint forms, but have not provided me a refund. Again, at the time of purchase the card was sold as a " Gift Card '', and all disclosures ( which I still have ) define the card as a " Gift Card '' and not as a general use card or any other classification of a gift card. A {$24.00} refund is not acceptable on a card for which I paid {$100.00}. 

I've asked them to provide me information in writing as well as contact information so that I can continue to escalate and resolve this matter. They have refused to provide me with a copy of the complaint forms, notes on the nature of my repeated calls, and any information on how I may go about escalating this case beyond their call center. They refuse to provide me with anything in writing that substantiates the statements they make about their policy, and they refuse to provide me with contact information for the department within US Bank that handles such complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

under Florida law my home address is confidential F.S. 119.07. i notified all credit bureau 's of this and they keep placing my home address and not my po box which is on my official identification my driver license. i have sent a cease and desist letter and today i got notice from XXXX that TransUnion is once again posting my home address as present address. please see attachments.
Product: Money transfer, virtual currency, or money service

The company is XXXX XXXX XXXX  or by names of XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX. On XXXX  there was an advertisement for an ad on your car and for this I was going to be compensated. The advertisement on my car was going to be for XXXX XXXX supposedley. The company sent me a check in the amount of {$2700.00}. In the letter it said I was going to get paid {$600.00} for the ad on my car. I was speaking through text to XXXX XXXX who said I would have to send {$2000.00} to the installer of the Ad through XXXX. My XXXX app was not working. XXXX said in order to expedite the installer 's service I could get 4 {$500.00} visas to pay the installer. Mind you at this point the check was processed by XXXX XXXX. It was starting to sound sketchy because then XXXX XXXX said I have to send {$500.00} to remove the ad for the car. I argued with him for a while through text but he said another check would be sent. He told me the check did go through. I naively fell for this and sent {$500.00} through XXXX to a XXXX XXXX $ XXXX. After I did this the bank returned the check. I tried to contact XXXX XXXX at phone number XXXX and the email XXXX. The phone number was disconnected and tried to call the company XXXX XXXX XXXX at XXXX and the line was also disconnected. I have been scammed in the amount of {$2700.00}. I have contacted XXXX and supplied all the letters, copy of the check and they said there was nothing they could do.
Product: Credit card

I believe that American express is reporting inaccurate information on my credit report. When I disputed with them directly they never conducted an investigation regarding my dispute.
Product: Mortgage

Planet Home Lending has my mother 's mortgage. Tried to get help with modify the high mortgage rate. Spoke to a lady back in XX/XX/XXXX who was suppose to send out paper work. Called back in XX/XX/XXXX to follow up. They said there was none thing than can do. Spoke to a man who was a supervisor who mention that they could lower payment by {$70.00}, than back off his statement. Service was very rude.
Product: Mortgage

I need assistance with a modification on my loan - this is really not a complaint but since I have needed assistance in the past I have had this loan for I believe 15 years I have had things come up but prior to the flood I was finally doing great. My son was XXXX in XXXX of 2015 and the driver did not have insurance that put a financial struggle for a month or two but everything was getting caught up till the flood in XXXX which was declared a natural disaster. PNC has worked with me when my wife lost her mother and her job and I am begging please just help me. I am in a better financial situation and if I can just get a modification I will pay more so I can get this loan paid off
Product: Debt collection

I cancelled my gym membership with Anytime Fitness at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) via a direct email to the gym management. The XXXX stated I needed to cancel online. My account was fully up to date. When I attempted to cancel, I continued getting errors and was unable to cancel. I informed XXXX XXXX XXXX of this and they disregarded my email and continued charging me for months without my knowledge. 

Moving forward, their company XXXX XXXX XXXX was incredibly unhelpful. I disputed the amount owed and told me to pay on their website or via their customer service. The website had not way to pay, and Customer Service continue to direct me to an automated system that failed in dozens of attempts. They would not accept a check mailed to them and said the only way I could pay was in person at their club, which was an impossibility for me to get back to the club. I gave many good faith attempts to pay which were ignored. At that point, I did not hear back from XXXX XXXX for many months until I applied for a home mortgage loan. 

To my surprise, my lender informed me that I had a debt collection on my credit report from XXXX XXXX and XXXX XXXX on behalf of Anytime Fitness and XXXX XXXX XXXX XXXX XXXX XXXX XXXX not properly notified me of the debt and said on the phone " you should have checked your junk/spam folder. '' I had not been called or received proper notice via XXXX -- it was a shock to see it on there as they had made no attempts to reach me. Multiple attempts to XXXX XXXX and XXXX XXXX have proved unsuccessful. They will not respond to emails or give any answers on the phone.
Product: Checking or savings account

Chime Bank closed my checking account with them and reversed a cleared transaction. Upon inquiry they claim to have no record of the transaction taking place. 

I paid {$58.00} to XXXX on XX/XX/2020. The transaction completed successfully and I received a receipt with a confirmation number from XXXX. 

On XX/XX/2020 I received an email from Chime stating they have closed my checking and savings account I had with them. They neglected to state why. 

At the same time, I received notice from XXXX that a payment reversal had been issued at XXXX XXXX on XX/XX/2020. 

Chime states that they do not have record of this transaction ever taking place. They made no acknowledgement to the whereabouts of my money after I asked where it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information on my equifax that is reporting incorrectly. I was a victim of identity theft and the equifax credit bureau was notified of the identity theft situation in XXXX and I have provided the police report along with identity theft affidavit from the FTC along with my proper identification and the letter of acknowledgment from one of the creditors that the fraudulent account should not be reported. 
Somehow equifax still is reporting the erroneous information on my credit file which has caused unnecessary hardship. They did not provide me with the method of their investigation and the creditors have verified that equifax never reached out to them. 
Equifax keeps reporting the erroneous information and after 2 years of struggle with trying to have them correct my credit reporting i still have no positive results. 
Even with a creditor providing a letter for the information to be removed, equifax somehow have verified that the information is accurate and would not share the result of their investigation or the written response from the creditor. 
The following accounts are being reported erroneously and should be removed immediately. 

XXXX/XXXX ACCOUNTS 1- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : CHARGE-OFF 2- XXXX XXXX Account Number : XXXX Status : CHARGE-OFF 3- XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : CHARGE-OFF 4- XXXX XXXX XXXX Account XXXX : XXXX Status : CHARGE-OFF COLLECTION ACCOUNTS 1-XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$180.00} 2- XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$50.00} 3- XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$240.00} 4- XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, XXXX has verified that information that is reporting to my credit file is correct. Which indeed it's not correct all three are reporting inaccurate dates, months, account description and Credit limit. These accounts aren't reporting the same information this has been verified then I request Under Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This not an update of my credit report but a deletion. These three Bureaus are refusing to remove these inaccurate accounts that aren't reporting correctly.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted National Credit Adjusters , L.L.C. to request verification of a debt they are reporting. They asked for additional information, which I promptly provided. Despite complying with their request, my subsequent communications have been ignored. 

Account Name : NATIONAL CREDIT ADJUSTERS , L.L.C Account Type : Debt Buyer Date Opened : XX/XX/year> Status : Collection account, {$430.00} past due as of XX/XX/year> Balance : {$430.00} ( balance updated on XX/XX/year> ) Original Creditor : XXXX  Actions Taken by Me : Initial Contact : On [ date of initial contact ], I requested debt verification. 
Provided Additional Information : I provided the requested information promptly. 
Follow-Up : Despite my efforts, my subsequent communications have been ignored. 

Actions Taken by the Company : Requested Additional Information : Upon my initial request, they asked for more information. 
Ignored Subsequent Communications : They failed to respond after receiving the information.
Product: Checking or savings account

On XX/XX/XXXX purchased {$38000.00} worth of XXXX  ( XXXX ) On XX/XX/XXXX got a fee from XXXX {$0.00} fees on website charged for {$1100.00} On XX/XX/XXXX checked the app and my entire portfolio was transferred and sent to an unknown XXXX address. 
Same day I called Bank of America and explained what had happened. 
After 15 days Bank of America sides with XXXX and sweep the issue under the rug and explains everything above which was already common knowledge. 
I believe I was phished and Bank of America is siding with XXXX even though I am a platinum honors member ( XXXX balance in 3 months )
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is to formally dispute inaccurate information on my credit report. I am writing in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666b. Section 1666b of the FCRA prohibits you, as a credit reporting agency, from including inaccurate or misleading information in consumer reports. 

I am disputing a XXXX transaction XXXX currently listed on my credit report as a late payment. I was never provided with the disclosures required by 15 U.S.C. 1637b. This section mandates that creditors furnish a clear and conspicuous disclosure statement before marking any account as late. Without receiving this disclosure, the legitimacy of the transaction can not be confirmed.

I request that you investigate this dispute promptly and thoroughly. Based on the lack of authorization and the missing disclosures, I demand that you exclude the XXXX transaction from my credit report. Please notify me of the results within the timeframe mandated by the FCRA. 

If the investigation confirms my claim, I expect you to update my report and reflect the exclusion of this disputed transaction. Additionally, please provide me with a copy of the updated report. 

I understand that you are required to notify me of the results of your investigation within 30 days of receiving this letter. If I do not receive a response within that timeframe, or if I am not satisfied with your investigation, I will be forced to pursue further action as authorized by the FCRA. 

Thank you for your time and attention to this matter.
Product: Debt collection

I was notified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX that I owed money to XXXX XXXX XXXX ( no address known ). They started to garnishment out of my check in XX/XX/XXXX until XX/XX/XXXX. I have sent them numerous letters and proof I was XXXX in a XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and this debt could not be mine. they finally agreed but will nut refund almost {$1600.00} and still will not respond.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act convergent. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX account number XXXX, XXXX XXXX account XXXX, XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX account number XXXX, Sunrise credit services account number XXXX, have violated my rights 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 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 adverse item of information, other then records of convictions of crimes which antedates the report by seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX