23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They are attempting to collect a debt that is over seven years old, since I 've last used the credit card. They are also still adding interest to this out of statute & aged debt as well as falsely reporting it as a new or current debt to the three major credit reporting agencies every month. Midland Funding LLC. should no longer be reporting anything to my credit bureau after XXXX years. They still are. They are also reporting the last activity date in 2015, unfair collection activity. Scare tactics by purposely trying to impact my current credit rating. More of the same acts they have been sued over on multiple occasions. They are a 3rd party collection agency who has also failed to send me my original contract & signature of the debt they purchased.
Product: Prepaid card

On Saturday XX/XX/XXXX I logged into my dasher direct account and noticed 3 unauthorized transactions on my account. I immediately called dasher direct to report these three transactions as fraud on my account. The transaction details that were reported as fraud are as follows : 1. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They told me to report my card as stolen and request a new card. So I did. At that time, I no longer had access to my Dasherdirect card. I wasn't too concerned with getting the {$4.00} refunded to me because it wasn't a huge amount of money. I just waited for the new card to arrive in the mail. Well, the card still hadn't come and then on XX/XX/XXXX, I noticed yet another unauthorized transaction on my card. This time XX/XX/XXXX {$49.00} XXXX. Reminder that I still did not received my new card so how are they still getting my money. I called dasher on XX/XX/XXXX and XX/XX/XXXX fighting with them to get my {$49.00} back. They hung up on me, never offered solutions just kept saying I had to answer an email. So I did fill out their little email form and they quickly told me my case was closed and I was denied a refund. I am so beyond frustrated dealing with them. Every time I call it's a different story, they never help, they can't transfer me to a supervisor. That money was stolen from me and I deserve to get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came to a settlement agreement with company " US COLLECTIONS WEST ''. Part of the agreement was that US COLLECTIONS WEST would delete this account from my credit reporting after my payment successfully went through. Well, my payment went through and it has been over 30 days and it is still reporting on my credit. This account needs to be deleted asap! Please see the attached settlement agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for annual credit report via XXXX, a phone system that allows submissions to the three big reporting agency during a single call. On XX/XX/2017 at approximately XXXX pacific time I submitted each request while on the phone call and received a confirmation for each submission. 

Within 10 days I received my report from XXXX. 

After a month XXXX and Equifax have refused to supply the report. 

This has been the pattern for several years now AND XXXX and, particularly Equifax contain the most false information about me and provide the most resistance in correcting the information ( ie incorrect names, false addresses, false financial transactions ). These two companies draw this process out for 6 months and more.
Product: Student loan

My servicer is EdFinancial. On XX/XX/XXXX I paid off one of my students loans in the amount of {$29000.00}. In XXXX of XXXX I requested a refund of that payment as, at that time, this was allowed. I was told that once I did this the loan would be reinstated and I would receive a refund check from the government. In XX/XX/XXXX the loan principal was reinstated and began to accrue interest, although it did not go into repayment. 

Since that time I have not received a refund check for the payment I made on XX/XX/XXXX. Each time I call EdFinancial they tell me to call the XXXX XXXX XXXX XXXX. Every time I call them they tell me I need to talk with EdFinancial. At this point I am very frustrated that no one can provide me with information. I will be applying for PSLF over the summer and I need to get this settled one way or another. The two resolutions I see are : ( 1 ) The government sends me the refund check I requested initially for {$29000.00} and then the loan goes into repayment. I can then fold it into my PSLF for it to be forgiven. *OR* ( 2 ) The government/EdFinancial " undoes '' my request for the refund, forgives any interest that has accrued since XX/XX/XXXX, and puts the loan back into " Paid In Full '' status. 

I am really asking for some help here. At this point no one can seem to give me information one way or they other, both groups point the finger at each other, and I really need to get this settled as soon as possible prior to PSLF.
Product: Debt collection

I kept getting calls from Kinum but did not receive any bills when I received my bill I did call them. XXXX is who identified himself and when I told him I do not have any source of income and that once I do I will pay the bill in full became aggressive, angry and began threatening legal ramifications and would not let me speak he kept saying the same thing over and over and then asked if I had a number of an attorney that I would want him to contact and that they would pursue me. He also started questioning how I paid the phone I was on and asked about other bills I had which I did not know they had that kind of information access. I have worked with and am working with other collection agencies such as XXXX recovery and XXXX and have never had such an awful experience. They were willing to work with me and to wait until I was able to make payments. 
People like this make me want to just file bankruptcy and not try and pay off my debt because if this is what you have to go through it 's extremely upsetting and had me on the verge of tears it was so abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A. States have the rights 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.
Product: Mortgage

On XX/XX/XXXX I received a letter from XXXX XXXX making such false claims that shes available to speak with me any time concerning my mortgage. Only to find out is that she may not be an individual currently employed at Wells Fargo because Ive tried reaching her dozens of times @ XXXX XXXX XXXX and it goes straight to Voicemail dated XX/XX/XXXX. Plus she has lied claiming that I was continuing getting calls because someone wanted to speak with me pertaining to my mortgage. After already knowing the fact that I had an Attorney by the name of XXXX XXXX to whom I had to fire because he lied to me prior to taking on this case claiming that he had absolutely no associations with Wells Fargo. Only to find out is that he has a Bank Account with them and was working undercover with them to set me up. And the so called XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Ext XXXX keeps avoiding me and hasnt returned any of my calls and this is inappropriate behavior coming from supposedly professionals. And Im willing to try and work things out with Wells Fargo but they continue to play games and cater to XXXX XXXX as my attorney whose a former XXXX for a Former Ruthless District Attorney. Im requesting that these Wells Fargo Employees be investigated for their illegal activities and that a Manager or a real higher up official gets back with me because XXXX XXXX and XXXX XXXX are just customer Service Represenatives who only works in a cubicle
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I discovered on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report. I'm done with it. AND Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX XXXX and XXXX. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance - XXXX XXXXXXXX Balance XXXX XXXX XXXX Balance {$2100.00} XXXX XXXXXXXX Balance - XXXXXXXX XXXX XXXXXXXX Balance {$220.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$160.00} XXXX ACCOUNTS ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$760.00} XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$500.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$150.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXX Balance {$150.00} XXXX  XXXX Balance {$750.00} XXXX  XXXX Balance {$160.00} XXXX XXXXXXXX Balance {$190.00} XXXX XXXX XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXXXXXX XXXX XXXXXXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Checking or savings account

Truist Bank allowed a fraudulent ( alteration ) check for {$8400.00} to clear my account. They denied my fraud claim immediately because i didnt report the fraud within 60 days and they alleged they contacted the bank of first deposit and there were no funds lefts. They did not release the information about who the bank of first deposit was which is very odd and suspicious. Truist Bank is violating the UCC rule because its a bank to bank dispute. According to the Federal Reserve System, " under UCC 4401, the paying bank may charge the drawer 's account only for checks that are properly payable. Neither altered checks nor forged checks are properly payable. In the case of an altered check under the UCC, the banks that received the check during forward collection, including the paying bank, have warranty claims against the banks that transferred the check ( e.g., a collecting bank or the depositary bank ). The depositary bank typically bears the loss related to an altered check, whereas the paying bank bears the loss related to a forged check. '' Again, this is simply a bank dispute between the paying bank and depository bank unless Truist is both the paying bank and bank of first deposit. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account is paid off as of XX/XX/XXXX. This account should be removed from my credit score. 

Ally Financial auto account is paid off as of XX/XX/XXXX. This account should be removed from my credit score.
Product: Mortgage

On XXXX of XXXX, I refinanced my home mortgage with Chase ; I had a 30 years fixed and changed to a 15 years fixed. 
It got approved and I scheduled automatic payments twice a month, on the XXXX and XXXX of each month. I discussed this with the mortgage specialists XXXX XXXX and XXXX XXXX. 
After a couple of months of payments, I noticed in the mortgage statement that I owed more than what I should. Please note that the statements do not disclose what the different items are about. It's only received by email, and with a final amount to pay. 
I asked them what was that number about since it was way more than what I should be paying and received an explanation in writing that didn't properly explained the problem. ( see email XXXX ) After 2 years, and always paying under automatic payments, I looked for another mortgage broker looking to purchase a new house, and she makes me notice of a debt that I've been accumulating with Chase. 
I called the bank to understand what was it about, and no one could properly explain me the reasons, it escalated until a supervisor noticed that I've been charged with late payments since the first month, since my second scheduled payment was on the XXXX and not the XXXX, which was the deadline to avoid interest charges for late fees. 
I complained about this, since I've never received a notice of late payments, neither a clear disclosure in the statements. It's outrageous. 
The supervisor initially agreed with me and removed the late fees for only 2 months and told me that will escalate this issue for further authorization. It was denied and now, after 2 years, I owe the bank {$3700.00} in late fee charges. 
It's not acceptable under any concept. I'm being charged with a 5 % late fee each month since the beginning of the loan for the whole monthly payment. 
I hope you can help me with this. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In reference to CFPB XXXX XXXX : XXXX : American Express XXXX XXXX the transaction happened on XX/XX/XXXX, but this is false and proves that they are avoiding to credit my account. I have attached both the XXXX receipt and the email directly from American Express that gets sent to me once a purchase has been made. In both attachments, it clearly shows that the credit card was charged on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Neither has any mention of XX/XX/2022 that American Express claims. I am really disappointed in that American Express admits in their response that the chat from XX/XX/XXXX they provided incorrect information and still will not honor what they trained their customer service representative to say.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and I request that you block and delete all accounts associated with this breach, as per my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
One of the affected accounts is with XXXX XXXX, as outlined below : Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of Account Opening : XXXX/XXXX/2020 Current Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against National Credit Systems for reporting a debt on my credit report without contacting me first, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under these laws, consumers have the right to receive adequate notice and validation of any alleged debts, and creditors are required to ensure accuracy and fairness in debt reporting. 

According to the FDCPA, 15 U.S.C. 1692g, National Credit Systems is required to notify me of the debt in question within five days of their initial contact by sending a written notice that includes details of the debt and my rights to dispute or validate it. They failed to do so. 

Instead, they reported this debt directly to the credit reporting agencies, which has impacted my credit score and financial standing without providing me the opportunity to validate or dispute the debt as outlined in the statute. Additionally, the FCRA, 15 U.S.C. 1681s-2 ( a ), requires that debt collectors report accurate and complete information to credit reporting agencies. By reporting this debt without contacting me, National Credit Systems has neglected to ensure the accuracy and completeness of the information reported.
Product: Credit reporting or other personal consumer reports

XXXX Failed to properly investigate disputed information. 
Failed to delete inaccurate information Failed to provide adequate written notice to me.
Product: Debt collection

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 Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication. 
Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding the completeness of the information on my consumer report. 
After reviewing my credit report, I noticed that in reference to my account : - XXXX XXXX XXXX XXXXXXXX my credit limit is being omitted, which is a direct violation of federal law under 15 USC 1611 .

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

According to 15 USC 2069, each day that this omission of my credit limit was furnished to my consumer report shall constitute a separate offense, constituting a separate fine ( of {$5000.00} according to 15 U.S. Code 1611 ) for each day.

15 U.S. Code 2069- Civil penalties ( a ) Amount of penalty ( 1 ) Any person who knowingly violates section 2068 of this title shall be subject to a civil penalty not to exceed {$100000.00} for each such violation. Subject to paragraph ( 2 ), a violation of section 2068 ( a ) ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 6 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), or ( 11 ) of this title shall constitute a separate offense with respect to each consumer product involved, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. A violation of section 2068 ( a ) ( 3 ) of this title shall constitute a separate violation with respect to each failure or refusal to allow or perform an act required thereby ; and, if such violation is a continuing one, each day of such violation shall constitute a separate offense, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations.

It is crucial to have accurate and complete information on my credit report, and the omission of my credit limit hinders a comprehensive understanding of my creditworthiness. As per the Fair Credit Reporting Act ( FCRA ), furnishing companies are required to provide complete and accurate information to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

In my follow-up complaint today, I am providing an update on my recent complaint. According to FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report, specifically under reference # XXXX in my case. I have attached documents to facilitate the removal of inquiries that are inaccurately posted on my credit report. The following list comprises inquiries that do not belong to me or were opened without my permission : -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to expunge any items in the file of a consumer identified as information resulting from an alleged identity theft, within 4 business days of the date of receipt.
Product: Debt collection

On XX/XX/29 in the amount {$200.00}, I made a final settlement payment on a charge off capital one account acct # XXXX to XXXX XXXX XXXX XXXX. Since that time Capital One has continued to report me negatively to all 3 credit bureaus resulting in a fico score drop of 14 point on XX/XX/XXXX and 41 points on XX/XX/XXXX. I sent a copy of the XXXX XXXX & Capital One receipt to the 3 bureaus to update the correct balance owed or marking as settled i was updated with 2 more months of negative reporting. Per my most recent credit report from XXXX, originally i was only showing collections as of XXXX, after the most recent dispute report on XX/XX/XXXX i was hit with negative reporting for XXXX XXXX which clearly is inaccurate. I have contacted all parties multiple times about this issue to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting Act transunion has violated my rights. 15 usc 1681 section 602A states I have the right to privacy. 15 usc 1681 section 604A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

I, XXXX XXXX, request that I am provided the method by which you verified that I applied directly for credit or gave my permission to the following companies to access my credit by way of a signed authorization bearing my signature. If unable to provide please have these inquiries removed from my credit file. 
The FCFA states that the only permissible purpose for pulling my credit is for 1. Firm offer of credit 2. Insurance 3. Employment 4. Court order The following credit inquiries are not related to none of the aforementioned permissible purpose. 
Please remove these inquiries from my report immediately.
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 XXXX  account # XXXX. Violated my rights 15 USC 1681 section 602A.states I have a right to privacy. 15 USC 1681 section 604A section 2it also states a consumer reporting agency can not furnish a account without my written instructions