23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over 7years ago XXXX bank card started taking money from my other charge cards! 
They were taken to court in XXXX and paid damages BUT did not put back money that they took from my XXXX bank card! 
In XXXX the case against me by XXXX  was dismissed I have been getting threating phone calls again from N.A.R. 6 to 10 times a day! 
XXXX Bank took over XXXX from most of the card that I had to cancel!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

For the past six months mountain run solutions L has been harassing me, my place of employment, wife, church, mother n law, before XXXX XXXX and sometimes after XXXX XXXX. I've asked them to stop. they pay me no mind and keep doing the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to a XXXXy XXXX XXXX in XXXX Ms XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX Bank. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Capital One, Account Number : XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... ACIMA CREDIT FKA XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

there is an unauthorized/unrecognized inquiry in TransUnion credit report dated XX/XX/year> done by XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was horrified to find inaccurate accounts on my credit report this morning, and Im baffled as to why theyre there. I check my credit regularly, but these discrepancies came out of nowhere. I refreshed my browser, thinking it was a glitch, but nothing changed. The incorrect accounts stayed on my report, and Im asking that my documents be carefully reviewed so I can finally stop stressing over this.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/year>, XX/XX/year> for XXXX XXXX XXXX ; XX/XX/year> and XX/XX/year> for The Tennessee XXXX ; and XX/XX/year> for Citibank Best Buy. I have attached a copy of the identity theft police report to this complaint.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. It had one late payment on an account that was paid on time. The consumer 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. I'm now requesting you investigate this account and this payment to be paid on time. Thank you for understanding.
Product: Checking or savings account

Bank of america has refused to open XXXX XXXX XXXX account plz help me in getting it reopened along with a new debit card as well thank u XXXX XXXX is making too much money plz help him out XXXX b-day is XX/XX/1975 he will be XXXX yrs old he would love to have it reopened thank u
Product: Debt collection

Collections account appeared on credit report in amount of {$14000.00}. This far exceeds any back rent that I owed and landlord made no attempt to contact me regarding any additional amounts within state limits. I have received no communication on this debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/Charge Off : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$4300.00} LatePayment XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  SELFREPORTED XXXX XX/XX/XXXX XXXX  SELFREPORTED XXXX Inquiries : XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I received the unemployment debit card and called the number on the back of the card. XXXX the outside USA XXXX .icall the number several time at a bank on my cellphone and it did not allow me to create a pin number or reach a live person to speak to.i return to my apartment to access a land line phone with someone to hear the process and responses. I was given the response YOU HAVE EXCEEDED THE NUMBER OF TRYS TO ACTIVATE CARD. on the land line phone we could not get customer service at any number we tried to press. The called was then disconnected after being told we exceeded the the attempts to activate unemployment debit card. I called consumer Bureau to file complaint.
Product: Debt collection

I received a notification of a negative report on all 3 of my credit bureaus from Hunter Warfield for {$3300.00}. I was not given any notice of this debt nor was I afforded my rights as a consumer to dispute the validity of this debt. 

I do not believe this debt to be valid and the collection company was unfair to report this on my credit report causing me financial harm without notifying me in advance and giving me an opportunity to avoid this financial harm. 

I called the collection company on XX/XX/XXXX  to let them know that I was disputing this debt and to get their email so that I can send an email letting them know that I officially dispute this debt and to request more information from them. I was transferred to XXXX XXXX who was reported to be a manager. 

After expressing my concerns to XXXX, I was told that they attempted to call me but left several messages. Unknown and robocalls are often blocked through my phone settings so I didn't receive any calls or messages from Hunter Warfield. When I have received messages in the past, they don't have any specific details about the debt they're calling about which could have easily led me to associate the calls to the account I currently have in collections with the company. 

XXXX also said that Hunter Warfield hasn't mailed me any correspondence ( although they had my mailing address from another debt I had in collection with them in recent months which I have recently paid in full ). I couldn't understand why they mailed me a letter about the last account I had in collections but not this account. 

They chose instead to email me. By his own admission, these emails often end up in spam, junk, and promotion folders which are essentially undelivered. In fact, these emails are deleted on a schedule. I never received a call, an email, or a letter in the mail regarding this debt. I can't help but feel blindsided and treated very unfairly by their methods of communicating with consumers and subsequently reporting matters to credit bureaus. 

At the end of this call, I was given their email address and I emailed Hunter Warfield a letter today XX/XX/XXXX  which I will attach below.
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.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX reporting agency, XXXX reporting agency, and Experian reporting agency. Has violated my rights. 15U.S.C 1682 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 consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent, it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if theyre notified that something is on my credit report that results from identity theft, it needs to be removed within 4 business days. Please remove the following accounts XXXX XXXX federal XXXX XXXX XX/XX/XXXX. I XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. XXXX inquires, XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX ( finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX ( auto ) XX/XX/XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX, XXXX. XXXX / XXXX XXXX of XXXX ( XXXX ) XX/XX/XXXX. XXXX XXXX ( finance ) XX/XX/XXXX. Experian XXXX. XXXX, XXXX XXXX XX/XX/XXXX. Experian Inquires, XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was excited to check my Credit Report upon ordering an updated copy from XXXX XXXX XXXX dated XX/XX/XXXX to see whether the Credit Bureaus removed the items that I have been disputing for quite some time now. However, upon further investigation of my Credit Report, I was disappointed to see no change at all. It is as clear as daylight that the Credit Bureaus did not comply with the FCRA section 605b which is punishable by law. Despite the multiple written letters I have been sending to the Credit Bureaus, the Credit Bureaus never even took their time to verify the information they report on my Credit file. I have been informing them that I am a victim of Identity theft through the letters I have been sending them. But it seems like the Credit Bureaus do not give a XXXX about a consumer 's appeals and requests. Let me remind the Credit Bureaus that they are required to remove any account and information that the consumer considered were opened due to fraudulent information under the Fair Credit Report Act section 605b. I am submitting this complaint to urge the Credit Bureaus to remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

can not get my credit report or credit score from transunion there website won't show me my credit report credit score or let me dispute or let me place or remove credit freeze it says status unknown for credit freeze i also paid money to get my credit score and it took my money and would not give my my credit score.
Product: Mortgage

LoanCare, XXXX, VA XXXX is the worst Mortgage company in the US and has been a huge problem since it was purchased from XXXX. They have taken out loan pmt from autowithdrawl on the wrong dates twice, causing overdraft fees, they have taken out pmts twice in one month, they have sent letters regarding nonpayment of property taxes. My taxes are paid in full as of XXXX XXXX. I have sent them documentation of these transactions and they still say I have to send them more info regarding prop taxes. The voice mail to talk to someone takes at least 10 minutes per try. Their system disconnects or does no connect to the supervisor when requested. These people should be stopped. XXXX and XXXX have many many many complaints about this company. 
It is mortgage XXXX and they have to be shut down.
Product: Student loan

XXXX purchased my loan under a year ago. They have since raised my interest rate 2 times, to over 50 % higher than it was when purchased. I overpay ( 'prepayment ' ) each month, and am being told through customer service that, " The payment amount may be adjusted to ensure you are paying the minimum amount required to pay the loan back within your loan term. Re-amortizing the loan prevents a large last payment from being due at the end of the loan term. ", which to me is very clearly stating, 'We are losing out on long term profits as you are overpaying and therefore need to make up for our lost profit by raising your interest rate, effectively punishing you. ' This feels predatory. Is there any consumer protection to prevent this type of behavior by the lender?
Product: Checking or savings account

I have a checking account with Chase Bank This has all been happening over the last couple of months - XXXX XXXX, it is going around in circles. 
( XXXX ) I successfully link an USD account held by me ( XXXX XXXX  ) with Chase. This is done by Chase sending two small amounts to the XXXX account, then I verify these amounts with Chase and the XXXX account is then linked with Chase. 
( XXXX ) I then initiate a transfer to the XXXX account from Chase, then Chase locks my account with them, and they remove the linked XXXX account. They say they do this because the activity is suspicious. 
( XXXX ) This was done twice, and the same thing happened each time. 
( XXXX ) I called Chase on each occasion and they were able to unlock the account. The first time they basically said that it should work fine just try it again. The second time, I got a different story : I was now told that first I would need to do a transfer from XXXX to Chase ( the opposite direction ) and then all would be OK, the account would be properly verified. 
( XXXX ) So I went through the procedure again ( now the third time ), i.e. linked the account as above, then did a small transfer from XXXX to Chase twice. All this worked. 
( XXXX ) I then initiated the transfer from Chase to XXXX, and the again the account was locked due to suspicious activity. The transfer has not appeared in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off by my insurance and GAP, never found out I ended up with a balance, but it was paid in a garnishment you will in the attachments that I have disputed this account on its balance and being late which I never was ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is with your company regarding the physical verification of the original document or contract with XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your company is required by law to validate proof of claim of as wells as method of how this account was verified. I have received NO documentation that this account belongs to me by your company. I have submitted documents advising of fraudulent accounts in my name. This is NOT a request for verification of proof of claimant mailing address however, I am requesting VALIDATION and PROOF OF CLAIM made pursuant to produce a contract. I am also requesting that your offices provide this physical proof as required by Federal law as this account is fraudulent error being reported by your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company promised me that if I paid off a debt that my score would increase by at least 23 points it did not when I paid off this debt a debt which was not mine a debt which no one could prove to me was mine legitimately no 1 could send me paperwork no 1 could do anything to prove that this was my get yet I paid it off because I was promised an increase in my score by at least 23 points I watched a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm trying to get out of this neighborhood I'm trying to buy a house that is why I paid off the debt so I could get the increase of the 23 points They have not done what they said they were going to do I want them held accountable Only positive things have occurred on my credit report in the last 5 years and my score only goes down my Income to debt ratio is 7 % there are no collections there are no new hard inquiries almost everyone 's about to fall off my installment loan is up-to-date this is insane I am being targeted I want being targeted I want them to do what they said they were going to do. I You've talked to text so sorry you might need to decipher some of this because this is like the 5th year that I've been doing this with you guys so I'm tired of checking for typos for you
Product: Checking or savings account

Opened new accounts with Truist Bank at the end of XX/XX/XXXX. Important information, have had a good standing with SunTrust since XX/XX/XXXX, and have experienced many changes resulting from the consolidation of BB & T and SunTrust into Truist. My pain point is that Truist no longer markets the type of legacy accounts that came from SunTrust, however, they maintain them. I had the need to open new individual accounts and keep my existing 20+-year-old accounts open, but the customer service area is not able to provide ANY information to me about how to avoid maintenance fees or the interest rate structure ( what are the bands of deposits required to receive certain rates? ) on the grandfathered accounts. Additionally, this information is not disclosed in their online banking " about your account '' area. So, here I am. A customer in the dark about how to reasonably avoid maintenance fees. 
For the new accounts that I opened, the associate in customer service can not provide me with interest information about my money market account. I have the knowledge that this information is necessary for me to avoid fees and loss of income from interest, so I have the onus to look outside Truist for my banking needs. I feel like that is unfair to other customers, who may not know that this information is required. It is exhausting for banks to use a process that causes a customer to be passed from associate to associate, never finding an answer, thus causing the customer to just give up after spending hours of their time, to end with no resolution/solid answer to their questions. I'm sure the bank thinks it's acting very efficiently by expecting no one in its employ to be an expert on how its accounts function, but these are not complicated questions I have asked.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXX XXXX XXXX. XXXX To Whom It May Concern, I am writing to dispute an eviction record that has been inaccurately attributed to me. The details of the case are as follows : Plaintiff : XXXX Case Number : XXXX File Date : XX/XX/XXXX Judgment Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX I resided at the property located at XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX as a roommate with XXXX XXXX. My lease ended on XX/XX/XXXX, at which point I vacated the apartment without any issues or outstanding balances. 

After moving out, I had no further association with the lease or property. However, I recently discovered that there is an eviction record linked to my name for a lease renewal in XXXX that I never authorized or signed. It has come to my attention that my former roommate, XXXX XXXX, renewed the lease independently without my consent. 

I firmly believe this eviction record is fraudulent and does not accurately reflect my rental history. I have never : Signed a lease agreement for XXXX. 
Authorized a renewal of the lease. 
Been contacted by the leasing company regarding the renewal or eviction proceedings. 
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that this eviction record is removed from my file, as it is inaccurate and unjust. Additionally, I am requesting that LexisNexis remove this erroneous information from my report to prevent further harm to my rental and credit records. 

Please let me know if additional information or documentation is needed to resolve this matter. I am confident that a thorough investigation will reveal that I am not responsible for this eviction. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely,