23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We received an attempt to collect a debt from Valentine & Kebartas , LLC through the mail on XX/XX/XXXX. We disputed the debt and requested that they no longer contact us for purposes other than verifying the debt, this letter was mailed to Valentine and Kebartas on XX/XX/XXXX. Valentine & Kebartas , LLC made no attempt at verifying the debt, instead the next time we heard from them was on XX/XX/XXXX when we received yet another letter attempting to collect the debt and ignoring our request not to do this until they could verify the debt first. I sent them a second letter in response that was mailed out on XX/XX/XXXX reiterating our dispute of the debt and the need for verification before any attempts at collection continue. Again we did not receive any attempt to address our dispute or verify the debt. Instead, on XX/XX/XXXX we received a third letter from Valentine & Kebartas attempting to collect on the same debt despite us requesting on XXXX separate occasions not to do so until they could verify the debt. On XX/XX/XXXX we mailed them a XXXX response notifying them we are still disputing the debt, we still expect not to be contacted for purposes other than verification and also notified them that they are now in clear violation of the CFPBA and I would be reporting their violations to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has acted in bad faith and has been unjustly enriched because of coercion and undue influence. 

They have failed to provide me any valid proof of indebtedness nor proof that they sent me ANY disclosures required by federal law. 

Your company is violating federal law by knowingly furnishing false credit information without clarifying the billing error. It is impossible to be late on an extension of credit. 

I DID NOT AND DO NOT consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and my Right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v Union of India 2017. 

The consumer credit transaction included a " finance charge '' which under federal law is the sum of all charges in a " credit sale ''. 

XXXX XXXX  on their " agreement '' specifically says, " You don't have to pay the finance charge or other amounts that are more than the law allows. This provision prevails over all other parts of this contract and all other acts ". COMPLY WITH YOUR OWN AGREEMENT PROVISIONS. I want to know what law XXXX XXXX XXXX is operating under to coerce $ XXXX from me to get my property back that they stole from me when they said I don't have to pay the finance charge? 

Your company stole my property because of your omission of known facts, false and misleading representations made to me, furnishing false credit information, failure to provide me proper disclosures under the Truth In Lending Act regarding the financed sale, and collections of an extension of credit by extortionate means, constituting a pattern of racketeering activity between XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, Experian, and any other Consumer Reporting Agency you do business with. 

This is my explicit notice that I DO NOT want to and DO NOT AGREE TO pay the finance charge or any other amounts. 

This is my official disaffirmation of the unconsciousable contract they coerced me into. 
I do not consent to your collection of my extension of credit by extortionate means. 

This is my official notice of " rescission '' of the contract of adhesion since XXXX XXXX XXXX deprived me of the opportunity to rescind earlier with proper rescission forms. 

This is my official " opt out '' of having negative information reported to my consumer reports since XXXX XXXX XXXX deprived me of proper " opt out '' forms ''. 

Refer to attachment of XXXX  's response to my first CFPB complaint against them where XXXX includes a copy of the " agreement '' and refer to XXXX XXXX of their agreement where it clearly states that provision prevails over all other parts.
Product: Checking or savings account

Bank of America **Subject : ** Urgent Dispute Regarding Fraudulent Activity & Request to Prevent XXXX XXXX XXXX XXXX XXXX and XXXX Dear Bank of America Dispute Department , I am writing to formally dispute the closure of my account number : XXXX, and the potential reporting of my banking history to *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX** due XXXX fraudulent activity. 

On, I was informed that my account was closed because someone attempted to cash a fraudulent {$250000.00} check under my name. I want to make it unequivocally clear that I had **no involvement** in this transaction and was completely unaware of this fraudulent attempt until I was notified by your institution.

**Request for Immediate Action* Please send all correspondence to my mailing address. I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent XXXX lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and retiring discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises sis concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an personal credit card account ( XXXXXXXX XXXX  Account number : XXXX ) that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

Company 's Response Please see our responses to all previous complaints via the CFPB and XXXX listed as follows : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. We have verified the debt on several occasions and have explained that the charges are due to the failure to provide the required 60 days notice to vacate as mandated by your signed lease contract, as well as confirming that a statement was provided to you within the required 21 days. We continue to receive complaints on this matter and have yet to be provided with sufficient proof that the debt is inaccurate or not owed. We have conducted several investigations into your account following each dispute we have received ; therefore, it is unclear as to what dispute remains unanswered. Therefore, future complaints where no new documentation or information is provided warranting a new investigation will be closed as repetitive without further consideration. We have maintained your accounts status to cease outbound communications unless required by law or permitted otherwise and have requested your information with the Credit Reporting Agencies be updated to reflect your dispute. If you have further questions, please contact an account representative at XXXX. 

My response : Per the attached documents, Ive finally gotten a response from XXXX on broad via the Attorney General. In regards to this complaint. XXXX on broad is now stating that I only owe them. {$560.00} however Columbia debt recovery stated via the debt validation that this debt is validated for {$1600.00}. But I have a But I have an original ledger that was provided by the Property Manager stating I only had owed {$110.00}. This is false information on my credit report and I would like it removed immediately. I will also be contacting my attorney to let them know about this Company who fraudulently put something on my credit in the credit bureaus are allowing this to continue. I would like this to be removed from my credit completely within the next 30 days. You will be hearing from my lawyer very soon.
Product: Debt collection

Block and remove the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXXXXXX XXXX XXXXXXXX Date Opened XXXX, XXXX, XXXX  Balabe : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate the remaining disputed account in my credit report. As of todays date, XXXX and TransUnion have not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Hello, my name is XXXX XXXX and I had an account with Wells Fargo Bank at the XXXX and XXXX XXXX.I paid my balance of {$9.00} and closed off the account.Then I went over to XXXX XXXX to open another account, and was informed that my new checking account could not be opened for free because Wells Fargo claimed that I still owed them money.Now that is impossible because I had paid my balance in full to the teller, and then requested to see a banking official so that I may close off the account and which he did and was told that I was free and clear.Can you help me with this problem, because I do not want them to be able to hinder me in the future.Thank you for any and all consideration in this matter.
Product: Credit reporting or other personal consumer reports

Transworld System Inc XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing regarding the above -referenced account. Please note that I am not disputing this account today. However, I kindly request that you provide the following information for my records. 

The Date of first delinquency for this account The Date of last payment made on this account The date of change -off for this account
Product: Credit reporting or other personal consumer reports

I have been trying hard for a couple years now to have these frivolous, erroneous, inaccurate, and incorrect accounts investigated and corrected. Equifax keeps disregarding crucial legal regulations 15 USC 1681, 15 USC 1681i ( 5 ) ( B ) ( i ) ( 6 ) ( 7 ), 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681 ( 5 ), 15 USC 1681c ( c ), 15 USC 1692, 15 USC 1692c , and more. This process has been beyond stressful and detrimental to my livelihood. I am disputing the accuracy of the following items on my credit report, as permitted under the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX  - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, ACCOUNT REINSTATED AFTER DELETION XXXX. ) XXXX XXXX XXXX XXXX XXXX INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, ACCOUNT REINSTATED AFTER DELETION XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS XXXX. ) XXXX XXXX XXXX XXXX XXXX INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, I DIDNT AUTHORIZE THIS TRANSACTION XXXX. ) XXXX XXXX XXXX XXXX XXXX INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS XXXX. ) XXXX XXXX XXXX XXXX XXXX  INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, A SQUATTER MOVED IN AFTER I HAD MOVED OUT AND DAMAGED THE PROPERTY WELL AFTER I TURNED IN THE KEYS NOW IM BEING HELD RESPONSIBLE XXXX. ) [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, THEY DONT HAVE COMPANY LISTED, NOT MY ACCOUNT, MEDICAL INFO POTENTIALLY SOLD WITHOUT CONSENT, Below you will find impermissible hard inquiries on my credit report that I never gave my written consent for the authorization of which violates 15 USC 1681b , 15 USC 1681i ( 7 ), and more : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to r=the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXXBalance XXXX {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXX : {$0.00} XXXX / XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The equifax data breach has compromised my personal information and the company has not done enough to assist consumers impacted by the breach. The gross misshandling of security platforms has resulted in millions of identity theft cases and the unfair burden of filing credit freezes is a process which is not being handled well, or at all, by equifax. I have attempted to file a credit freeze on XXXX XXXX 2017 and have not been contacted by the email service i initiated with TrustedID to ensure my identity is not compromised. Furthermore, i learned that Equifax was fully aware of the breach but elected to perform insider trading at the expense of their customers to make money before their stocks nose dived in the aftermath of the breach.
Product: Debt collection

I keep getting calls from XXXX saying they are looking for me. They are also calling my parents home. I have no idea what this is about but the calls are very threatening and annoying.
Product: Credit card or prepaid card

This is about a purchase I never received since XXXX and the credit card toying with me and keep saying they sent disput form and they have to investigate and the person I talked to she was very rude interate style and make this look like a crime investigation and told me that I should go after the company and post office really Fact is XXXX XXXX cards have purchase protection for lost item never received and they just being cheap
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done several investigations and disputes on my credit reports which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the Credit Bureaus didn't make sure it was reporting 100 % correct. I also included my Driver license, social security card, and current utility bill with my proof of recent address on it each time as proof it was me. and each time the Credit Bureaus sent correspondence letter stating I or a third party didn't appear to have properly authorized to send in information to them I know for a fact it's a stalling tactic rather than to do a proper investigation and remove all inaccuracies from my Credit reports. Also they'd follow up with correspondence after that each time stating my accounts was properly investigated, but how is that possible if there are several open dates that is inaccurate, Reporting of collection accounts with no names and other inaccurate information along with it, inaccurate Terms on credit accounts, inaccurate payments received along with not reporting all payments in a timely manner, inaccurate pay statues on several accounts, date last reported is not accurate and several dates last active are damaging inaccuracies that are all reporting incorrectly across all three Credit Bureaus. on top of this TransUnion failed on several occasions after my mailed in disputes with proper documentation and proof its me for almost 2 years now to remove a said XXXX  XXXX Bankruptcy thats reporting an inaccurate Case Number, and its still on my credit report. All of these is grounds for removal, they also violated my rights under 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. 

Yet I have received several responses from all three Credit Bureaus stating, said Companies verified all information reporting to be accurate to them, but when I requested who were those companies, also to disclose to me what proof of each account that was investigated they sent in on my behalf showing my wet signatures connection to me along with my correct personal information to say those said accounts were accurate, and none of the Credit Bureaus would give me that information or make corrections. I have even called and spoke to Managers of all three Credit Bureaus with nothing but refusals to remove inaccuracies along with just reading scripts giving me generic answers, which is also a violation of my Rights to my own personal information.
Product: Mortgage

I closed on my conventional mortgage on XX/XX/XXXX. At the closing I was informed that Point ( the company ) can not close on a mortgage if there is an open loan/balance with the IRS. I protested vehemently to no avail. I agreed in order to complete the closing. A tape of the closing was made by the mortgage company , the amount of the supposed debt to the IRS was XXXX XXXX XXXX  On or around XXXX, XXXX, the check was returned to the Title company who held on to the check, for 2 years and 5 months. This caused us many, many sleepless night and grief beyond description. We had to borrow moneys to complete the work as well as put the costs for the windows, siding, gutter guards and removal of trees on credit cards or financing. We lost time, incurred additional expenses because we lost the time in which the contracts were to be performed as well as the costs of the materials delivered to the house and would not give a refund! The check was finally released to us on XX/XX/XXXX, {$6000.00} short of the {$51.00} ; XXXX expected and a total of 2 years and 4/5 months later,
Product: Payday loan, title loan, or personal loan

I took out a loan with Upgrade , Inc. to consolidate some of my credit cards and to make a set monthly payment for a certain period of time. I was able to do so without issue, then COVID happened. At one point, Upgrade offered me a Hardship Plan where I would be able to pay {$90.00} instead of the {$290.00} for 4 months. I then spoke with them about an extension of the hardship program and they granted me an additional 3 months. The first payment of the 3 month plan was incorrect and they took {$290.00} instead of {$90.00}. I called them and they checked into it and were very accommodating. The next day the amount was credited back to my account and the {$90.00} was taken. The next month, the same thing happened. I called them AGAIN. They checked into it and advised me that it was there mistake again and that they would credit back the amount of {$290.00} and charge the {$90.00}. This time the amount did not go in right way so I called back 4 days later. I was told it was in the process and I should be seeing it credit back to my account. It was. I noticed on my statement on the 3rd month that I was being charged back payments of {$1100.00} or there abouts. I immediately called them back as they had taken out the {$290.00} again. I was told the Hardship Agreement was forfeited because I was late on my payment to them. I told them that was incorrect. How can I be late when you are taking it out of my account and erroneously I might add. They AGAIN checked into and a manager got on and told me that they would correct both matters. GUESS WHAT?! It was never corrected. So my credit report shows I am late on payments and the {$290.00} was erroneously charged for that 3rd month. I wrote an email to them explaining this. I was told to call a number that was the number I have always been calling. I said I will not. I have called that number 3+ times and was told everything would be taken care of it and it wasn't. I wanted this matter resolved and if someone needs to ask me something then they can call me!! I gave them my number. I was not going to go through another hour long telephone call with them for them to tell me it will be taken care of it and won't be. I REPEATEDLY sent them emails daily until I have reached this point. It's not even so much that they did not honor the Hardship Agreement but that they charged me all three times for the full amount. Twice correcting and once still not credited back. I am in a position to pay that amount anyway. I am very upset with the fact that they are claiming I was not in compliance or late with the payment arrangement. I was never late. I would like someone to help me. I will be contacting the credit card companies as well if you are unable to correct this matter for me.
Product: Credit reporting or other personal consumer reports

THIS IS THE SECOND TIME I AM SUBMITTING THIS COMPLAINT CAUSE THE FIRST COMPLAINT STILL HAS NOT YET FIXED THE ISSUE OF THE ACCOUNT BEING POSTED ON MY CREDIT REPORT. THIS ACCOUNT IS CAUSING ME STRESS SINCE ITS PREVENTING ME ON GETTING A HOUSE. I URGENTLY NEED THIS ISSUE RESOLVED SINCE I AM PRESSED WITH TIME.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened an account on XX/XX/year> for the amount of {$890.00}. I have never signed a contract with them, nor have I received any services or incurred any charges totaling this amount.
Product: Credit card or prepaid card

So I paid my balance off in XXXX of 2022. I paid what the statement said my balance was thinking that my account was paid off. Apparently 2 weeks after I paid my balance there were additional finance charges in the amount of XXXX charged to my account in XX/XX/2022 which I did not expect since the statement said what my balance was. Now I have been charged late fees since in the amount of {$150.00}. I had no idea that there would be additional finance charges so I never even thought to look at this account again until I started getting collection calls in which I called one of the numbers back and they told me not sure why I was getting calls because my balance was XXXX. Well the supervisor I spoke to tonight said he has no recorded calls that I spoke to anyone. The person I spoke to looked up my account and said XXXX balance. So now I am stuck paying all these late fees and he refuses to take any off. Very tricky when you think you pay your account off based on what the statement balance is.
Product: Debt collection

On XX/XX/XXXX Portfolio Recovery opened a debt collection of {$2100.00} from the original creditor XXXX XXXX XXXX XXXX XXXX. After 2 disputes and saying my dispute was resolved they would not remove this debt that does not belong to me. I asked them to show me information or signature to show the debt was mine. They sent me a a letter stating that any more attempts to dispute this debt will go ignored for it's a valid debt. I shredded the paper cause I thought I was stuck with a debt until someone told me about the cfpb.
Product: Checking or savings account

CAPITAL ONE BANK CLOSED MY CHECKING ACCOUNT WITH ONLY AN EMAIL NOTICE AND WOULD NOT GIVE ME A REASON. THEY ARE HOLDING MY FUNDS AND NOT RETURNING MY MONEY TO ME TO THE TUNE OF {$390.00}.