23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX I made arrangements with Synchrony Bank to settle a credit card debt on my Sam 's Club credit card. The amount that was agreed upon was {$6300.00}. The terms of the agreement as I was told was that I had one year to pay that amount or it would go into default. At no time was I told to make a payment every month, only to pay it off within one year. I asked for the terms to be emailed or mailed to me in a letter and their representative said they don't do that. He said that I would only get a letter from them when the settlement was paid in full. I made my first payment on XX/XX/XXXX for {$2500.00}. I made another payment on XX/XX/XXXX for {$3000.00}. I called on XX/XX/XXXX to make the final payment of {$890.00} and was told that the account was in default and they could not accept my payment because I did not make a payment every month. I asked them why it went into default after I made the payment in XX/XX/XXXX instead of sooner when I hadn't made a payment for almost 7 months after the first payment. They would not tell me. They just said I didn't comply with the terms. At no time did I receive anything in writing stating I was in default from Synchrony or the terms of my settlement agreement even though I had asked for it. I don't believe I am in the wrong here due to their refusal to send me anything in writing. I am fully prepared to pay them the agreed upon balance of {$890.00} but not the {$7000.00} they say I must pay. They have extremely deceitful practices when it comes to consumers as I spoke to someone else who ran into problems with this company. I hope that you can contact these people and find out why their practices do not include anything in writing.
Product: Debt collection

This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to XXXX XXXX, XXXX and NAVY FEDERAL CREDIT UNION for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation and is knowingly reporting misleading false information on my credit report. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX has declined my request to remove outdated addresses from my credit report which are : XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX And I wish to add my current address which is : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have requested for a XXXX form from the original creditor XXXX  which they denied and requested for me to reach out to the IRS to obtain the document of the charge off. From my knowledge the creditor is supposed to provide the XXXX form after placing the vehicle under a written charged off account. Not only that, the creditor is updating my credit report agency Equifax, XXXX XXXX and XXXX as repossession instead of a charged off which is false information that ' falls under the law of 15 U.S.C 1681. The account been closed since XX/XX/XXXX. However, the repossession is still reporting across the board as a late payment as of XX/XX/XXXX as if the vehicle been repo every month.
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 researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} 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

I just opened a new credit card to build my credit back up and I seen that there was an account made prior with my name and SSI number. Putting me into debt and having my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

notice to principle notice to principle is notice to agent the transunion Credit company aren't furnishing and accurate and incorrect information to the consumer reporting agency The recording of subject inaccurate information has caused severe damage to my character or reputation my general mode of living and my ability to optain credit personal and house hold purposes. 
you and your inaccurate reporting have damaged my liveylihood. 15 USC 1681 they also stated that they could not dispute my five derogatory accounts on my credit and they said they do not dispute the ( 45 ) hard inquiries on my account I have sent countless certified letters so I have reported them to the CFPB the federal trade and the XXXX I would like for monetary compensation since they are a violation due to the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Hard Inquiries Dispute Request I am writing to formally dispute several hard inquiries listed on my credit report. I have reviewed my credit report and found the following inquiries to be unauthorized and made without my consent : Details of Unauthorized Hard Inquiries : 1. Inquiry by : XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX by : Consumer Portfolio Service Date of Inquiry : XX/XX/XXXX XXXX. XXXX by : XXXXXXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX 4. Inquiry by : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 5. Inquiry by : XXXX XXXX XXXX Dealer Date of Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX I did not apply for credit with any of the above-mentioned entities nor did I authorize these inquiries. These inquiries are incorrect and should be removed from my credit report immediately. 

Supporting Documentation : 1. Identity Theft Affidavit : I have attached an Identity Theft Affidavit from the Federal Trade Commission.
Product: Debt collection

I have disputed the claim that i owe XXXX a bill and it was deleted per a XXXX dispute i have made several times in XXXX and again in XXXX, per the FDCPA, the creditor had 5 days in order to let me know in writing that the debt is being reinserted in my credit report.I just received a letter from AFNI that I owe them a debt that was deleted from my credit report due to a dispute with XXXX via XXXX direct dispute. This has been disputed and removed several times. I divorced in late XXXX and explained to both XXXX and afni that this was a joint account, I also provided XXXX with a divorce decree and it was deleted. I do n't understand why I have XXXX instances of the same thing reappearing on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX  failed to check with alleged furnishers to validate all alleged debts in dispute that furnishers claim plaintiff owes. Equifax received Plaintiffs debt validation letter on XX/XX/2019 ( tracking # XXXX ) and XXXX  too received the letter on XX/XX/2019 ( tracking # XXXX ). Plaintiff disputed alleged debts with the following creditors through XXXX  XXXX XXXX/XXXXF XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX  Its The credit Bureaus job to do a reinvestigation of the disputes. 
XXXX and EQUIFAX did not prove in details what steps they took to verify if the debt is in fact the plaintiffs.What system and or method did XXXX  and EQUIFAX use None of these alleged creditors can show an original contract with a wet ink signature on it with plaintiffs name on it. Plaintiff argues that plaintiff can NOT agree to a mere COPY of any signature. XXXX  and EQUIFAX are the ones reporting therfore plaintiff is questioning the credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report And noticed I had fraudulent accounts on my report. I DID NOT give any of these company to report information and they have violated my rights according to the FCRA. Please remove these accounts from my report as they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I have called Equifax several times between XX/XX/year> - XX/XX/year> asking to have a dispute from XXXX XXXX XXXX deleted from my account. I need the dispute deleted in order to move forward with the equity application for my mortgage. During my last call on XX/XX/year>, I read an entire email from my lender stating I just spoke with Equifax and instead of removing the dispute they just changed the status of the dispute ; the other XXXX credit agencies removed the disputes ; can you please call Equifax XXXX more time and ask them to remove the dispute completely instead of changing the status. I was given confirmation # XXXX at the end of that call. As of today, the dispute remains on my credit. I submitted a complaint with Equifax today without a response.
Product: Prepaid card

I received a pollyanna gift of a {$20.00} American Express gift card at an office party on XX/XX/year>. The card had to be activated, so I wasted an hour on the phone trying to activate it which they finally were able to do. The Amercian Express Gift Card was purchased at a XXXX in Delaware. 

I then tried to use the card at XXXX and it was declined. I tried to then use it a XXXX in XXXX XXXX, PA and it was again declined. I don't have the original receipt and the giver of this card does not want to bother getting the " electronic log '' at the store where this was purchased. XXXX, by the way, is not standing behind this product it's selling to unsuspecting customers. 

It's clear that American Express is running a scam here, selling gift cards ( and charging extra for the privilege ) and then not having them work. I would bet that I am not alone in this situation. I ask that the CFPB look into this and force Am Ex to return the money it has stolen from people as well as assessing a fine for their corrupt practices. I would like them to send me a check as well for {$20.00}.
Product: Debt collection

I have disputed the Midland Funding Account with XXXX and with Midland Funding. XXXX stated that Midland Funding verified that this account belongs to me. This is seemingly impossible since this account do not belong to me. Perhaps this account was placed on my credit file in error or it resulted from identity theft. In any case this is not my account. I need your assistance in getting this matter resolved.
Product: Credit reporting or other personal consumer reports

Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( f ), you are governed by the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that its the consumer reporting agencys responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681a ( d ), to third parties.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Debt collection

I am writing this letter to formally dispute the alleged debt associated with the account mentioned above, in accordance with the provisions of 15 USC 1692g. As a consumer, I request that you provide me with verification of this purported debt. I am seeking concrete evidence that clearly establishes this alleged debt as mine. Please ensure that the verification you provide includes a formal declaration, sworn to be true and accurate, with firsthand knowledge of the matter, and duly notarized, as required for proper verification. 

I request that you conduct a thorough investigation of this account and provide me with the following information to validate the debt : A copy of the original signed contract or agreement between myself and the original creditor. 
Statute of limitations and last payment missed on the debt. 
An itemized statement of the account, including the principal amount, any interest, fees or charges applied. 
Proof that the collection agency is legally authorized to collect this debt on behalf of the original creditor. 
Proof that I have a contract with Credit Collection Services bearing my signature. 
Provide insurance claims of the debt. 

As outlined by the Fair Debt Collection Practices Act, I expect you to cease all collection activities related to this dispute debt until its validity is confirmed. This includes any reporting to XXXX, XXXX, and XXXX. 
I want to emphasize that I have not granted you consent to communicate with me through any means. Furthermore, I did not authorize the release of my personal and private information to your agency, which, in effect, constitutes aggravated identity theft. I also want to reiterate that I did not authorize the reporting of any information in my name to consumer reporting agencies. 
Your non compliance with the Privacy of Consumer Financial Information Rule of the

Gramm Leach Bliley Act has been noted, as you shared my nonpublic personal information with non affiliated third parties without providing me with a compliant notice under section 6803 and an opportunity to opt out, as required by 15 USC 6802. In line with my rights as a consumer, I hereby request that you provide me with the Aggravated Value of Purchase do
cument, which explicitly details the price you paid for this particular debt.
Product: Debt collection

EOS CCA I recently submitted an Affidavit ( sworn testimony ) to EOS CCA to validate an alleged debt. In my sworn testimony ( attached ) I asked that they provide documents to validate this debt as well as a FULL accounting to prove the accuracy of the amount they are alleging to be owed. Their response ( attached ) does not meet the standards of validation or provide enough accounting to " verify '' the amount they are alleging.
Product: Mortgage

During the past couple weeks, I have looked online for potential lenders for a mortgage refinance or home equity line of credit. One of the places I looked was XXXX XXXX. XXXX XXXX, without my permission, has sold my information to dozens of lenders, and I am now getting several calls per hour, despite repeated requests to be taken off of all call lists. XXXX XXXX   has been particularly aggressive. One representative refused to honor my request not to be called again, and argued his belief that the purpose of XXXX XXXX is to generate dozens of telemarketing calls per day. 

This is harassment. It has to stop. I request whatever assistance the CFPB is able to offer.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Checking or savings account

Td bank!!! 
I have been complaining twice about their last overdrafts fees and how I have been charged even I deposit a money via wire transfers and the said they I need to deposit cash or check instead of wire or Ach. 
The problem didnt get fixed so I opt out for overdraft protection in XXXX and I have been charged more than {$700.00} for just unreal causes that they need cash deposited instead of Ach or wire transfers which for me as a client doesnt make a sens since I m a small business and most of the funds are either transfers or Ach wire transfers not cash. 
This time they been charging me overdraft fees even they didnt pay anything at all. Just to present a payment and reverse it back they charged me 6 times unreasonable fees. This is called a robbery in a legal way, I called them and a lady told me they cant do anything about it because they give me back 5 times overdraft fees this year!!!! 
I need my money that I earned hard, and for me this a high way robbery in a legal way or what??? All Im asking here is a justice and explanation how you charge me a fees for something you didnt pay
Product: Credit reporting or other personal consumer reports

Bank of America is consistently updating this sold/charged-off account on my credit report. According to the IRS, an unpaid charge off is considered income ; and according to the FCRA, income can not be reported on a credit report. I am requesting a 1099C, Cancellation of Debt, from the following charged off account : Bank OF AMERICA XXXX XXXX XXXX XXXX Multiple companies have harassed me claiming ownership of this debt. The sale of this debt is NOT listed anywhere. Every month Bank Of America is updating an account they Do Not own!?? This account can not be reported as a charge off on my credit report, if this account was sold to another lender. Please send the 1099C form.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has two charge off accounts showing on credit file. I have requested 1099C for both accounts. They are being reported incorrectly.

The charge-off account in question has negatively impacted my credit score and financial wellbeing. I have made multiple attempts to resolve this issue directly with XXXX XXXX, providing documentation and explanations regarding the inaccuracies associated with this account. Despite my efforts, they have not rectified the reporting, and I believe it fails to meet the standards set forth by the Fair Credit Reporting Act ( FCRA ) and other applicable regulations.

Under 15 U.S. Code 1601, consumers are entitled to fair and accurate credit reporting. The presence of this charge-off on my credit file is not only damaging but also inconsistent with the principles established under this code. I request that the CFPB investigate this matter and take appropriate action to have the charge-off account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX, Equifax, and XXXX regarding multiple incorrect inquiries on my credit reports that asked to be removed and then it reappears. This has impacted my life greatly beyond measures and i ask that this matter would be resolved quickly.
Product: Credit card

I have a rewards credit card with Chase. I contacted Chase to cancel the card in late XXXX and have not used the card since, but they claim there is no record of the phone call. They charged me a {$95.00} annual fee in XXXX XXXX XXXX, and e-mailed me a bill in mid XXXX. I XXXX on XXXX XXXX and was out of work and recovering until early XXXX an did not see the e-mail from Chase. When I did discover it in late XXXX while reviewing my open credit card accounts I contacted Chase by phone immediately. Claiming that it was now more than 30 days since the charge posted, Chase refused to refund the charge. I have contact Chase via phone and secure messaging on the their website multiple times asking them to reconsider. In my defense, my original cardholder agreement gave me 60 days of leeway to cancel without having the pay the annual fee. According to research on the internet, Chase changed their policies around XXXX XXXX and since has been refusing to waive these fees nor refund them to cardholders. I have closed all of my accounts with Chase and requested they remove me from their mail, phone, and e-mailing list. I have going through the Chase website 's charge dispute process, but the request was rejected by Chase. In summary, Chase originally allowed me 60 days to refund the annual fee charge ... I called to cancel the card last year but there is no record with Chase of that call ... once I discovered the charge I contacted Chase immediately ... I have contacted Chase via phone and e-mail on multiple occasions with no success. Finally, I have received no benefit/good/service from this annual fee. It 's a scam for them to violate their original cardholder agreement and refuse to provide a refund. I 'm concerned that my near-perfect credit rating will be impacted if this issue is not resolved soon, as I 've never had a late or missed credit card payment in my life ( and am over XXXX XXXX XXXX now ).
Product: Checking or savings account

A double payment from my chase debt cart to chase credit card posted. They wont refund only put in a request and will be 3-5 days before refunded. That money was for from now until Tuesday when I get paid and that required me to pay them {$30.00} fee to stop a pending bill payment to another payee so I atleast have {$200.00} at midnight
Product: Credit card or prepaid card

I was not able to process my monthly payment due to trouble accessing the bank web site on the due date. I had internet access. The problem seemed to be with the site itself. I was charged a {$25.00} late fee. I've been a client of BOA for a very long time and I always pay my account on time. The service rep was callous and rude. Thank you.