23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an eviction from XXXXXXXX XXXX XXXX in XXXX Texas and a charge off from Westlake financial and tons of inquiries and it's severely damaging my credit. Please remove this stuff
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit companies are messing with people 's scores one minute they're certain number and then the next they've dropped XXXX points all of a sudden this is crazy people are trying to get ahead and can't because the credit companies our joke
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent charge of {$3100.00} from  XXXX   XXXX  on my credit reports. The account was opened  on  X/2015    a nd close d  X/2015   .    I have never been a customer of  XXXX   XXXX  nor have I ever lived in  XXXX  Ohio, the address of the account holder.     I have filed a fraud check with  XXXX , case #  XXXX  I have filed a report with the  XXXX  Ohio police, #  XXXX  I have reported this information to al l 3  credit a  gencies.
I am a   XXXX   XXXX   who was subject to the  XXXX  i  nformation theft.     A speedy resolution is very important as I am trying to secure safe affordable housing for myself and my children as soon as possible.     Thank you,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$33000.00} XXXX XXXXXXXX Balance Owed : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account, XXXX, amount XXXX. I do not have a contract with this company and I have requested proof of debt. Experian stated that this information was sent to me and it has not because I have not received it. This account needs to be removed off my credit report. Provide validation of debt or proof. I do not have a contract with XXXX XXXX this needs to be removed off my credit reports.
Product: Credit card

XXXX XXXX online request for refund system is not validating the ticket number leaving my only recourse as this option. 

It looks like instead of canceling the return portion of my flight, the entire flight was canceled and then reissued, causing it to become non-refundable. 
The new receipt explicitly lists that its a nonrefundable airfare. 
The agent was able to do after getting assistance from the ticketing department because of an error code in the system that was showing a {$3300.00} change which didnt make sense but was corrected. 

However, instead of getting refunded, the agent alerted me that it would be travel credit. I asked why it would be travel credit on a return flight that was booked at first-class rate, not upgraded, and the agent replied that it was booked as a non-refundable ticket. I was told this after the ticket was re-issued. After the exchange was done in the system. 

Filed dispute with my credit card Apple/Goldman and its been over 30 days with no resolution. In fact, Apple/Goldman just sent me an email for more information. When I filed my claim I submitted a detailed XXXX page report of the entire transaction and interaction with XXXX XXXX representatives. If I had used XXXX XXXX this issuse would have been resolved in days, not weeks. I am not confident that my credit card issuer is looking out for me, their customer and instead going to find an avenue to side with the merchant ( XXXX XXXX ) when I have provided more than enough proof for the dispute to have been researched and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified consultant 's is still reporting a debt for XXXX XXXX Account # XXXX to XXXX that should be removed. They agreed to remove account completely from credit report which they did on, XXXX, XXXX but still showiing on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account. XXXX 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX account and a written response outlining the actions taken to resolve this issue.
Product: Vehicle loan or lease

I have a problem with XXXX XXXX on our final bill. When I turned the car in, it was in perfect shape. I've always leased my cars ( 45 years ) and always turned them in in great shape. I've never been told I owe any thing for ware and tear. I was told by XXXX that I owed {$510.00} for ware and tear. They said I had an accident and I would have to send them the repair bill. It was repaired by a reputable company, so I sent them copies of the repair paperwork. They told me if I sent them the paperwork they would adjust the final bill. They said it was to old and they wouldn't except it. I told them it was from when I had the accident, and they said it was to long ago. They sent me a letter stating they would accept a lower amount, which I declined. By that time they had already ruined my credit. 
I not only don't owe the {$510.00}, I want my credit restored. It was XXXX before this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine the responsible parties in these unauthorized credit inquiries. 

Based on, 15 U.S. Code A Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing this grievance as I monitor my credit and was alerted to a collection reporting from XXXX XXXX ( Debt Recovery Solutions , LLC ) that has dropped my scores significantly. Ive received no phone calls or communication via USPS mail to confirm this debt is mine or valid. Due to this I did not obtain the full statuatory period that would have allowed me to dispute the validity of the debt prior to it updating with the credit bureaus. If I had, the collector would have been advised that this debt is time barred and needs to be removed post haste due to misleading and erroneous collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my Drivers License as well as a copy of my utility bill for personal identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Complaint Against TAB/SUNBIT for Failure to Respond to Debt Validation Letter. 

Dear Sir/Madam, I am writing to file a formal complaint against TAB/SUNBIT for their failure to respond to my debt validation letter dated XX/XX/2024. Despite my explicit request for verification of the debt, TAB/SUNBIT has neglected to provide the necessary documentation within the legally mandated timeframe. 

As outlined in my original correspondence, I provided TAB/SUNBIT with ample opportunity to furnish the supporting documents and probable evidence regarding the alleged debt referenced by account number XXXX. However, despite the passage of more than 30 days from the date of my initial letter, TAB/SUNBIT has failed to comply with federal laws governing debt validation. 

Their willful negligence in addressing my concerns not only violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practice Act but also exacerbates the financial distress and emotional burden I have endured due to this unresolved matter. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that TAB/SUNBIT fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

The debt collector is in clear violation of the federal laws listed : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b 804. Acquisition of location information, 15 USC 1692c 805. Communication in connection with debt collection, 15 USC 1692d 806. Harassment or abuse, 15 USC 1692e 807. False or misleading representations, 15 USC 1692f 808. Unfair practices, 15 USC 1692g 809. Validation of debts, 15 USC 1692i 811. Legal actions by debt collectors, 15 USC 1692j 812. Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

FDCPA 809 ( b ), 15 USC 1692d 806, 15 USC 1692c, 805, FCRA 15 U.S.C. 1681c, 15 U.S.C. 1681e, 15 U.S.C. 1681i, 15 U.S.C. 1681n, and 15 U.S.C. 1681o, has resulted in significant harm to my financial well-being and reputation. 



Please find enclosed a copy of my original debt validation letter sent to TAB/SUNBIT for your reference. 

Thank you for your attention to this matter.
Product: Credit card

The company closed my Credit card account without any notification to me either via email or mail. The reason they are saying is because of inactivity, however my account had transaction at least till XXXX of XXXX and my statements were generated till XX/XX/XXXX. 
This was a card with Annual fee and I dont understand how long do they consider the inactivity in months? Do they close the account for less than 6 months of inactivity? which I think is very unfair to the customers. 
Secondly there was no communication made to me regarding this account closure and I even contacted the customer care in XX/XX/XXXX for other reason and they didn't mention to me about the account getting closure which is insane. 
Finally I had XXXX $ rewards on my account which got forfeited because of this account closure which is a loss to me as it was earned rewards by using the card. 

I would want a resolution on this and a way to reimburse my rewards of XXXX XXXX More controls should be put in place to ensure such communications are reaching to customer on time and given enough time for them to take corrective actions before account closure. This is a total inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

add good accounts by XXXX card that they took off you cant take good paid history b/c you're mad about other disputed accounds FDIC, FTC, FCRA violations See attachments for proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted via Experian that XXXX XXXX had placed a collection out for an account with a balance of {$2300.00} that was opened in XX/XX/2019. I've never had any services with XXXX. I disputed this item with Experian to no avail. 
They provided an encrypted account number XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 
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 XXXXXXXX XXXX I request that my current address be updated accordingly. 

2.Employer : My current employer is XXXX XXXX XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that employer be updated to reflect the correct information. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address and current Employer.
Product: Credit reporting or other personal consumer reports

I never initiated these inquiries : XX/XX/XXXXXXXX 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: Bank account or service

i have been fighting with bank of america for over 3 1/2 years now and they are playing silly games!!! I recently filed a complaint with CFPB about 10 days ago, and i got a response from CFPB that the bank said i should call them to make a report of fraud, well i had already done this in XXXX XXXX, but i figure id try it again, after 10 phone calls i finally was transferred 5 times through all departments [ 45 mins ] to get to the fraud department, and they told me the same thing!!!!!! as XXXX XXXX, AFTER ANSWERING ALL THEIR SECURITY QUESTIONS THEY WANTED TO KNOW MY DEBIT CARD NUMBER FROM XXXX OR WOULD NOT PROCESS ANY CLAIM!!! THIS IS TOTALLY STUPID BEYOND MY BELIEF,!!! THEY SAY BECAUSE IT IS A FAILURE TO PROVIDE INFORMATION REQUESTED THEY WILL NOT PROCESS A CLAIM FOR FRAUD??!!! THIS IS CLEARLY CRIMINAL,!!! so lets take a look at this FRAUD, there was a debit purchase made in XXXX XXXX at " the battery shop '' for XXXX at that time the account was closed with a zero balance, how could a debit occur when there was a zero balance?? they can not answer, furthermore ive been a mechanic all my live and drive a XXXX truck, WHO IN THEIR RIGHT MIND BUYS A XXXX $ $ BATTERY?? not even XXXX, ive sent them a letter asking for validation of debt and CEASE AND DESIST, and they send me back a statement, a statement proves NOTHING!! ive called over 50 times over the past years to experience manipulative un-coroperative, criminal behavior, its a discrace!! furthermore they are in NUMEROUS VIOLATIONS OF FDCPA!!! alledged debt reported inaccuratly, defamation of character, many disputes by me and they fail to show validation, they refuse to correct false information, they still continue to report an unvalidated debt, heres about XXXX $ $ in violations, FURTHERMORE THIS ALLEGED DEBT IS PAST 7 YEARS OLD EFFECTIVE XXXX/XXXX/XXXX!!! AND THEY OWE FINES FOR THAT TOO!! THIS BANK OF AMERICA IS NOTHING LESS THAN XXXX CRIMINALS, THEY HAVE ABSOLUTELY NO RESPECT FOR THE LAW OR ANYBODY 'S RIGHTS, THEY ARE TOTALLY WITHIN THE WRONG!!! VERY UNPROFESSIONAL AND NEGLECTFUL IN ALL ASPECTS OF MORALITY AND COMMUNICATION TOTALLY XXXX!!!!! i can go on and on and on, the total XXXX when you call them how many times they play their silly word games and transfer the line when a problem so simple could be solved so easily, they still REFUSE to cooperate and play games & gt ; & gt ; just like the criminals they are!! so can anyone tell me why after 7 years theyre still reporting an alleged debt??, WHY BANK OF AMERICA IS IN MY LIFE WITH NO VALID CONTRACT?? PLEASE EXPLAIN THIS TO ME, bank of america at least should have been out of my life with this frivolous sh-t on XXXX/XXXX/XXXX and they are over 2 months PAST DUE, so they owe me for that violation also, i will continue to complain untill they are gone!!! so to the CFPB, i did call them and try to resolve this matter 4 days ago and they drove me NUTS on the phone and kept requiring me to give them a debit card # from XXXX, this is totally XXXX, nonsence!!!
Product: Debt collection

On XX/XX/2018 i called the company requesting validation of Debt. They told me that they only send validation once. The company claimed they sent it in XXXXXX/XX/2018. The call operator was very rude. I asked to speak with the supervisor, he was rude also. All i wanted was validation of the debt because i was not familiar with this particular item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to transunion to see if they received the attached document sent with file number XXXX and transunion stated they got the attached document. I asked the fraud department when will the bk be removed from my credit the rep stated it will not be removed. I asked how is this possible when I reached out to the XXXX courthouse via mail to find out if the courts verified the information with transunion and the bk courthouse sent me back a letter stating they do not verify to credit reporting agencies nor do they give any information to third party agencies. I asked transunion why was this document so called not valid and the rep could not give me an answer as to why the documentation is not valid. I told the rep that if you can not give me a valid reason why this documention that I gave you is not valid the bk need to be removed, number 2 transuion stated that they " verified '' with the furnisher. The furnisher is not a 3rd party company. The original furnisher is the bk courts whom do not verify any information over the phone nor through the mail and that is what the document states. I have sent documents certified through USPS to transunion and they claim they did not receive it but I have the certification to prove that is a LIE! I have reached out to a consumer legal representation on this matter. CFPB does not make sure these CRA is following FCRA rules. I will be filing a complaint with FTC!
Product: Mortgage

I have the power of attorney for my XXXX y/o mother 's finances. I'm her son XXXX XXXX. She has a loan with U.S. Bank. She owes approx. {$40000.00}. She has received phone calls saying she has missed payments and behind in payments. She has not missed any payments.I called in to the general number to address the issue. I have over the last month spent hours and hours trying to straighten out the issue. Each time I call in I get an understanding agent who can not figure out the reason for the problem. The payment for {$480.00} is made automatically early each month. The agents I have spoken to all agree she has made all payments. 
The problem seems to revolve around an escrow over billing problem. They agree that seems to be the issue and say they will find out the problem and get back to me. They NEVER do. They sent a default notice to my XXXX y/o mother. It has become increasingly stressful as they never have an answer as to why she is being charge {$160.00} a month for a $ XXXX home insurance policy. They all have agreed that is a problem but they never fix it. 
I received a annual document ( an Annual Escrow Analysis Statment ) from them saying her bill will go up {$2.00} a month to make up for a short fall in her escrow acct., then another document with a {$56.00} refund check for over payment. If you call into the automated acct. line. It indicates she owes {$1100.00} past due and if you speak to a agent you'll get a completely different number. I have spoken to front line agents, escrow department, collection department and management, all promising to correct " THEIR '' error but all we get are threats by mail. They have no Idea what one part of the bank compared to another is doing. Everyone is always nice but still the threats of penalties and foreclosure keep coming.They just sent me a letter saying they are giving the service of this loan to another entity. They have raised her payment {$93.00} a month. My mother is on a fixed income.I feel that is punitive. 
Help Me Please I'm the one who is always trying to get this resolved and they do nothing. 
I had a car loan with U.S. Bank and had to refinance because of things like this. THEY ARE INCOMPETENT. They should not be allowed to be a bank. 
Thanks
Product: Credit card or prepaid card

We have a recurring charge from another merchant ( XXXX ) on this credit card ( best buy card ). However, before the due date came, we changed the credit card payment to my husband s account & it was successfully done last week of XXXX 2022. I then informed Best buy about this, asking them to cancel the recurring charges, prior to its due date on XXXX XXXX filed a dispute but it was denied, and was billed again. XXXX already had collected the amount from my husband 's account on XXXX XXXX called XXXX multiple times , the recent one is today, XXXX, I was advised that the best buy card is not in their system anymore, also called Best Buy concerning the balance notice I received for XXXX. Explained Even to the manager but she refused to accept my explanation & saying an apology which does not make sense at all! She asked me to send the documentation that we had actually paid for XXXX from another credit card. I find this absurd & ridiculous! Why on earth they refuse to cancel that charges even if the XXXX said they don't have that best buy card in their system anymore? 
This is a time where technology can be useful yet this Manager who spoke to me don not accept a call for concerns and requires me to fax the payment from another creidit card company? Please help. I am frustrated and disgusted.