23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX, XXXX XXXX XXXX from North American Recovery was contacted. First of all, she was rude, but I guess that is expected. She stated the amount owed was XXXX. XXXX also stated there is no interest being charged to the account. Which is great, however, the ending balance for this account was XXXX. There also seems to be interest added of XXXX. I told her that we have not gotten any correspondence since 2016. She said that is not a problem that she can send us the new information via mail or email. I asked for both. I never got an email from her and I am still waiting on the information in the mail. 

XX/XX/XXXX, XXXX XXXX from North American Recovery was contacted. She was also rude. She also stated that a settlement can not be reached due to company policy. I asked her about why we are getting interest of XXXX when no interest is being charged on the account? She could not give me a straight answer. I asked to speak to a supervisor. She said that is not a problem. At XXXX she asked if we can hold for a supervisor? I of course said yes. I waited on the phone until XXXX with no resolution, and I was not able to talk to a supervisor.
Product: Mortgage

I would like to speak with someone regarding the Well Fargo XXXX XXXX XXXX XXXX XXXX and arrangements to be compensated XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CAPITAL ONE AUTO FINANCE XXXX {$6000.00} I have reached out to this creditor on several occasions, this account is reading as a charge- off. I don't owe them any money and would like to have this account removed from my credit report. They have failed to provide me with any information of a breakdown or reason why this account is showing on my credit report. My information was involved in a data breach and I'm afraid this account was a result of that unfortunate circumstance.
Product: Credit reporting or other personal consumer reports

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that compliant, it is also a violation to reporting inaccurate information. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts.

It is unacceptable that, after multiple disputes and providing undeniable evidence, you continue to report inaccurate information on my credit report. This repeated failure to address the errors is both frustrating and a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.
Product: Vehicle loan or lease

I received a car loan through credit acceptance with an XXXX of I believe 23.99 %. I was unable to pay although I tried paying ahead which they applied my payment to something else and ended up voluntarily giving the vehicle back. This vehicle remains on my credit 10 years later and is effecting me from getting a new car. I tried to settle with them and they sent me to their lawyer for a almost 10 year old debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX FACTUAL DATA INQUIRY ON MY CREDIT UNAUTHORIZED INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX  SERVICES UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX DEALER SERVICES UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT
Product: Money transfer, virtual currency, or money service

Called Zelle many times. Theres was always an issue. Sometimes my fund wouldnt be available for a few days or had to be resent
Product: Debt collection

I sent a debt validation letter requesting the complete accounting and evidence of the alleged debts to ARS Account Resolution Services on XX/XX/ 2021 for account numbers # XXXX and # XXXX ( letter is attached ). ARS did not provide a complete accounting and evidence of the debt ( letter is attached ). I demand they delete the accounts because they are reducing my credit score and are unable to validate the debt. They are causing me to pay higher interest rates for a debt they can not validate. If they do not remove these accounts, I will have to sue them under the Fair Debt Collection Practices Act and the Florida Consumer Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting METHOD of Validation for this accounts since XX/XX/2019 : XXXX/XXXX # XXXX XXXX/XXXX   XXXX  # XXXX XXXX/XXXX # XXXX XXXX   XXXX XXXX # XXXX The only information sent was account was verified that comes through XXXX-XXXX  system. Which is not an full investigation as this are not my accounts. The credit agencies and not produce the information as required. 

I have the certified mail receipt which show that request was received.
Product: Credit card or prepaid card

In XX/XX/2018 I was issued a Capital One credit card with the understanding that my minimum payment would be {$25.00} per {$1000.00} balance. I used the card several times in the winter and spring and each month I sent DOUBLE payments. Instead of the {$25.00} minimum payment, I sent a check for {$50.00}. The company did not, as it seems, apply the amount over the minimum payment to my balance completely, in turn making my balance increase rather than remain stable or fall. 
Now, I get a bill that states my minimum payment is {$30.00} on a {$950.00} balance, and this is not what was expected per the paperwork I received. 
I spoke with a representative at CapitalOne and it seems that they only conside a double payment if I paid twice in a month. Not right. and they are telling me that my interest rate rises the higher my balance is. 
I have never had this happen to me with any credit card I have had in the past and it seems no one at CapitalOne cares to help me. 
I was mislead on this credit card. If I had known this, I would not have taken the card. 

Also, credit applications should be SIMPLE and in PLANE English, not in legal jargon that no one understand unless they have a Law degree.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN XXXXXXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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: Mortgage

SLS is attempting to do fraud on this loan by illegally inflating the value of the property because they did n't like the value they just got back from their own paid for interior bpo. On XXXX/XXXX/XXXX was advised that the lender 's interior value came in around XXXX which was around the amount of my current offer. At that time we countered buyer to highest and best and received an offer meeting the lender 's counter. On XXXX/XXXX/XXXX lender confirmed receipt of docs and stated file was under review. On XXXX/XXXX/XXXX was advised that the file was closed due to requested docs however the file should of not been closed as they gave no time for us to submit the XXXX pieces of paper they were looking for. On XXXX/XXXX/XXXX was advised there was a sale date which is a violation of CA anti dual tracking laws as this file was in a foreclosure alternative program and we were then advised that SLS decided to revise up their value to XXXX. This is completely unethical, illegal, illogical and unacceptable. SLS decided on their own to take an old report and try and selectively pull old data to inflate the property value as is today. The market is contracting, not expanding so any data from a month ago, 2 months ago or 3 months ago is not reflective as to what is happening today. SLS hired a licensed professional to assess the property as of this month and that value came in at XXXX that is the value. SLS needs to CEASE and DESIST from illegally trying to inflate property values which is exactly what happened in XXXX which led to the housing bust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the CFPB to look into the reporting practices of Experian. It is impossible for agency or reporting to have my ssn because I have it locked with the social security administration. So the only way someone can access my number is with a pin number that was issued to me by the XXXX. So how can Experian provide anyone with this information? There are two accounts on my report and I have a lock on my ssn. This is damaging my financial character, ( defamation ), a violation of my private rights, experian has interferred with interstate commerce, and have stop my right to liberty. Also does Experian have a license to report credit in the state of California.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX this year I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Vehicle loan or lease

I could not afford the car payment and called Hyundai who was the lease holder and asked what would happen if I gave the car back. I was told by a gentleman on the phone that if they sold the car for more than I owed in arrears and for the remainder of the lease I would be fine. That is not the case. They say I owe over XXXX XXXX? And are still reporting it. I have tried to get it removed by disputing it I have even paid companies to try. I think it wasnt right what they did almost 4 years ago and are still doing to me after they said I would be fine. And I know that they got more for the car then I owed it was in perfect condition. I was mislead and may have been able to work something out to pay them.
Product: Checking or savings account

This is now my FOURTH ( 4TH ) COMPLAINT about Wells Fargo Bank! 

Its senior premier vice-president XXXX of the XXXX, XXXX XXXX branch adamantly but adamantly refuses even to acknowledge the deep and deepening concerns of my beloved wife XXXX XXXX XXXX also a Wells Fargo customer and me! We have repeatedly emailed him to no avail! 

Nothing at all has been done by the Wells Fargo Bank about the SEVEN ( 7 ) OVERDRAFT FEES despite the fact that Wells Fargo Bank continues to deny me on-line access to my checking account, demanding that I must have a mobile phone or purchase one! 

XXXX XXXX and I have no need for a mobile phone. 

Wells Fargo Bank is purposefully and knowingly discriminating against tens of millions of Americans and other people who do not because of POVERTY or other valid reasons have a " mobile phone ''! It is demanding that they do if they want to transact business online with Wells Fargo Bank! 

I have repeatedly told Wells Fargo Bank as has my beloved wife XXXX that I am a XXXX XXXX of very XXXX XXXX indeed and with XXXX XXXX XXXX! 
We have also repeatedly told this XXXX fellow at the XXXX XXXX. THEREFORE, I CAN NOT JUST POP OVER TO THE XXXXXXXX XXXX! 

FROM XXXX XXXX : I am absolutely outraged! I am appalled. I am disgusted! Wells Fargo Bank is MERCILESS, SHAMEFUL, DISGRACEFUL! 

I have a good mind to complain to CONGRESS, THE FEDERAL RESERVE, THE COMPTROLLER OF THE CURRENCY, THE US DEPT. OF THE TREASURY, THE White House, THE INTERNATIONAL COURT OF JUSTICE! 

And HIS HOLINESS XXXX XXXX!
Product: Debt collection

My complaint is against Resurgent Receivables LLC AKA Resurgent Capital Services. They are in violation of 15 USC Code 1681a ( b ) which prohibits them from reporting a payment history on my consumer reports. I have copies of all 3 my consumer reports for the month of XXXX that shows they are reporting two XXXX as collection accounts, and are showing a payment history for those accounts. This is a violation of federal law. 

I addition to their violation of 15 USC Code 1681a ( b ), they are reporting inconsistent information on my consumer reports. On my XXXX report, they are reporting the loan type as a " Factoring Company ''. Whereas, on my XXXX and XXXX reports they are reporting the loan type as " Debt Buyer ''. The account types they are reporting are also inconsistent. Listed below are the inconsistent account types ; XXXX : Account Type - " Open Account '', XXXX : Account Type - " Debt Buyer '', XXXX : Account Type - " Other '' This is a clear violation of the FCRA which promotes the accuracy and fairness of consumer reporting. 

They have also failed to provide validation of the collection accounts they are reporting under my social security number. According to the FTC A PRINTOUT OF A CREDIT CARD STATEMENT DOES NOT CONSTITUTE VALIDATION OF THE DEBT! 

I have tried repeatedly to get them to resolve my dispute by removing the tradelines from my consumer reports, as of today XX/XX/22 they have failed to do so. The FCRA requires that they delete any incomplete, inaccurate, unverifiable information from my credit reports and they are refusing to do so. 

If they do not delete both of the inaccurate, unverifiable tradelines from my ALL of my consumer reports, I will be seeking all legal remedies allotted to me under federal and state law, up to and including {$1000.00} for EACH VIOLATION!
Product: Credit reporting or other personal consumer reports

Affirm Inc had claimed to charge off/send to collections {$150.00} total balance. Using Affirms own XXXX XXXX XXXX, the company successfully defrauded myself and XXXX claiming the account was sent to collections. The account never left Affirm Inc, therefore a write off/charge off never took place. The account remained with the same organization in perpetuity. It has been paid in full and closed. I requested the verbiage to be changed on the tradeline, and XXXX has thus refused. Affirm Inc has made statements to this consumer through your portal proofing this fact. Whomever is responsible for resolving this dispute at XXXX is demonstrating actual malice by resolving disputes incorrectly, repeatedly. Please advise. Thanks.
Product: Debt collection

Medicredit debt of {$170.00} was a medical co pay that was paid at the time when I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX CFPB : JPMChase ARM Loan XXXX Payoff Statements violate Financial Accounting Standards Board ( FASB ) Standards for verifiability.
Verifiability QC26. Verifiability helps assure users that information faithfully represents the economic phenomena it purports to represent. Verifiability means that different knowledgeable and independent observers could reach consensus, although not necessarily complete agreement, that a particular depiction is a faithful representation. Quantified information need not be a single point estimate to be verifiable. A range of possible amounts and the related probabilities also can be verified.
QC27. Verification can be direct or indirect. Direct verification means verifying an amount or other representation through direct observation, for example, by counting cash. Indirect verification means checking the inputs to a model, formula, or other technique and recalculating the outputs using the same methodology. An example is verifying the carrying amount of inventory by checking the inputs ( quantities and costs ) and recalculating the ending inventory using the same cost flow assumption ( for example, using the first-in, first-out method ). QC28. It may not be possible to verify some explanations and forwardlooking financial information until a future period, if at all. To help users decide whether they want to use that information, it normally would be necessary to disclose the underlying assumptions, the methods of compiling the information, and other factors and circumstances that support the information At my family 's homestead, XXXX XXXX XXXX, XXXX, IL XXXX, built by my parents, XXXX and XXXX, in XX/XX/XXXX, I have received JPMChase ARM Loan XXXX Payoff Statements, through First Class Postage USPS Delivery. The Payoff Statement I received XX/XX/XXXX, was for {$84000.00}. The Payoff Statement I received XX/XX/XXXX, was for {$88000.00}. Somehow, in the course of XXXX hours, the JPMChase XXXX XXXX XXXX Computers calculated an extra {$4000.00}, that I was expected to pay. XX/XX/XXXX, JPMChase took all my Mortgage Payoff Statements from XXXX Bond, and refuses to return any of them to me. On the back of each such Statement, I printed, in ball-point pen, the Date and Time that I had received each. I stored said Statements, with other Mortgage Documents, in sealed, nested, re-sealable thick-walled transparent plastic bags. XX/XX/XXXX, JPMChase, through First Class Postage USPS Delivery, sent me a Mortgage Payment Schedule. That Payoff Amount, for XX/XX/XXXX, {$84000.00}, differs substantially from those that I had received XX/XX/XXXX and XX/XX/XXXX. That violates Financial Accounting Standards Board ( FASB ) Standards for verifiability. I demand, that JPMChase immediately send me the Originals of those two Statements. If that is not possible, then I demand that JPMChase send True Copies, to be followed up with the Originals. Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

Dear I am writing to dispute inaccurate information regarding a charge-off account listed on my credit report. I have found multiple inconsistencies in the information reported by the three credit bureaus, and I request an investigation and correction of these discrepancies. *Disputed Account Information : * - Creditor : XXXX - Account Number : [ XXXX ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that you investigate these discrepancies and correct any inaccuracies. Please contact the original creditor to verify the correct information. Right to Accurate Information ( FCRA Section 609 ) : Under Section 609 ( 15 U.S.C. 1681g ), I have the right to obtain and dispute the completeness and accuracy of the information in my credit report. I request that you investigate and verify the accuracy of the reported charge-off. If the information can not be verified, it must be removed. Reinvestigation of Disputed Information ( FCRA Section 1681i ) : Under Section 611 ( 15 U.S.C. 1681i ), I have the right to request a reinvestigation of any information I believe to be incorrect or inaccurate on my credit report. I demand that you review and correct this information immediately.Removal of Inaccurate/Invalidated Credit Information ( 15 U.S. Code 1681i ( 5 ) ) : As per Section 611 ( 5 ) of the FCRA, if, after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete such information from the consumers file. Responsibilities of Information Providers ( FCRA Section 1681s-2 ) : Under Section 623 ( 15 U.S.C. 1681s-2 ), information providers must ensure the accuracy and completeness of the information reported. The inclusion of this incorrect charge-off information represents a clear violation of this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX has failed to properly validate this account and has slandered my personal credit profile. I sent them a letter XXXX XXXX in which they failed to respond with justifiable proof in the allotted time frame. At this point my rights have been violated and my personal credit profile slandered. According to these laws there's nothing more to discuss 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

It appears that my file has been compromised. I was going through my records & noticed account that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block account that is found to be opened due to identity theft. The dispute account do not belong to me. Please remove this account. 

XXXX XXXXXXXX