23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir/Madam, its about reporting a collection on account of XXXX XXXX. few of documents are attached here with for your ready reference. i was resident of one of the apartment in XXXX XXXX. when i got the apartment, the price etc. was different & when they started billing me, that got changed. i was having a complaint of over charging, i talked to management & there was no resolve. on my regular follow up & arguments, Management had asked me to vacate the apartment & few days latter i got a eviction notice. i was asked to vacate that house means who brake the lease, not me but the management. i asked them to share the details of, XXXX XXXX ( Normally XXXX   Charge Trash in their Bills ) Management is charging is separate. Water Billing Trash etc. they dont have any supporting documents to support the billed amounts. its very high if you compare with other apartments. when i vacate the house, they had reported the Good Sum on my credit. i already had spoked with XXXX XXXX, no response, Recover Agency Name : The Phoenix Recovery Group XXXX XXXX XXXX if you review the attached bills, they charge it with no further details. XXXX XXXX Trash these bills must have separate supports. i was asked to vacate the house, who break the lease. its no me. Pls. help to resolve the issue & make sure management is not charging this to all residents. Best Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ). 

XXXX  # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX have violated my rights. 

The FCRA, specifically 15 U.S.C. 1681 section 602 A, grants me the right to privacy.

In addition, 15 U.S.C. 1681 Section 604 A Section 2 prohibits consumer reporting agencies from furnishing any account information without my written instructions.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse item of information, except for records of convictions of crimes that occurred more than seven years before the report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing inaccurate information about a consumer to any consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report 2 unauthorized accounts on my credit report. Ive even tried to pay this debt that isnt even mine however, the company says they do not even own it anymore. The debt was apparently sold to a collection agency. The major issue with this is # 1. The collection agency is no longer in business # 2. Why is the original creditor still reporting a balance on an account they no longer own. The original creditor will not deal with me since they sold the debt. So they expect me to deal with a phantom collection agency. This is becoming ridiculous.
Product: Checking or savings account

{$1000.00} date was XXXX XXXX. I emailed chime member service to check on the status of my remaining balance of my account and they sent me email back saying that they need my address so the check could be sent out and once given the address chime never held there side of sending the remaining balance since my account closure.
Product: Debt collection

I am receiving calls regarding collection of a debt several times per day. I have received exactly thirty ( 30 ) phone calls from the collection agency between XX/XX/XXXX XXXX XXXXXX/XX/23. According to the FDCPA, debt collectors can not call more than 7 times in a XXXX period about any particular debt. The number I am receiving these calls from is : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My XXXX  has applied my monthly payment to principal only meaning I had to pay twice for one month. They have locked me out of my account online. I have no way to access my account of see if my payments are being applied correctly. I have spoken to ten people, been on hold for a minimum 15 hours, emailed someone at corporate. After a month I am able to access my account but then I can't see my account again. Can't pay online, don't have paper statements, etc. I call in and explain my situation then put on hold and transferred to a XXXX hole and wait an hour on hold then someone picks up and asks me why I am calling only to start the process over again. So incredibly frustrating. I literally have no access to my mortgage or able to pay or know how my payments are being applied without constantly calling in and verifying information, making double payments, etc. They tell me someone will contact me and won't give me a name, email or number for a contact. They call one time and it comes in as spam on my phone and goes directly to voicemail and their message is just to call the XXXX number so I start the process over again. Super frustrating. How are they allowed to operate a financial company?
Product: Credit reporting or other personal consumer reports

According to FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove all negative items of my credit report please and thank you. 
also i believe my FERPA RIGHTS was violated due to XXXX XXXX had control with my information about my student loan records and didn't have my permission to do so Finally. I want to dispute everything on my Experian profile due to illegal practices by the company. 15 USC 1681i ( a ) 15 USC i ( a ) 6 ( B ) 3 15 USC1681i ( a ) ( 5 ) B please help me, sincerely yours, XXXX XXXX XXXX
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 of privacy and confidentially under 15 USC 1681.

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. Code 1681s2 - ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


Account name : XXXX XXXX Account name : XXXX XXXXXXXX Account name : XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXXXXXX Account name : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX & XXXX XXXX
Product: Mortgage

I have been charged 4 times for taxes last year in my escrow account. 
XXXX XXXX and $ XXXX and XXXX XXXX and {$19.00} Im only supposed to be charged 2 times @ {$1400.00} thats in my closing documents.

{$2800.00} is what my total tax payment each year is supposed to be. 

I have had my escrow go into the negative multiple times. I even tried to correct it by PAYING an EXTRA {$1000.00} on XX/XX/2022. Just to have it go into the negative again not even a month later- {$660.00} Caliber Home Loans tax department wont answer my calls. I need help. I cant keep taking time off work to call these buffoons and not even have them answer. They keep telling me to talk to the borough. The borough says its calibers issue. HELP ME PLEASE
Product: Credit card or prepaid card

I've been calling for two weeks to dispute a charge. It was a scam and they have my card number. As soon as I'm the next person to speak with they hang up on me. Every single time. I'm still trying to call and no help. The charge was on XX/XX/XXXX but taken out the following day. What can I do about this?
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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX These accounts have violated my rights. 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 aso 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, credit repair services, or other personal consumer reports

Trans Union, XXXX, and XXXX credit bureaus refuses to remove inaccurate, unverifiable, and fraudulent consumer information from my credit report even though I have submitted documentation that proves the account is inaccurate, unverifiable, and fraudulent. I have submitted my valid identification, identity theft report submitted to the FTC, Documentation submitted from the XXXX XXXX  providing information that the vehicle reported is unregistered and associated to someone else with a different name and birth date other than myself. This account being reported also does not have my written instructions to have opened an account with the consumer XXXX XXXX XXXX and Trans Union, XXXX, and XXXX refuses to delete this account from my report.
Product: Credit card

American Express Financial Institution is committing Securities Fraud, It is trading my Securities on the secondary Market collecting dividends and gains to enrich them selves. 

When Brought to their attention, the matter was ignores and not addressed in the response sent to me on XX/XX/year> please refer to the attached Documents for full description and details on the Securities Fraud being committed by American Express Financial Institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC bank flagged my loan account saying that I was a120 day late on my account. My credit was XXXX and it dropped 69 points because of this. Now I pay all my bills on time. On XX/XX/20 I paid {$45.00}. 0n XX/XX/20 I paid {$250.00}. On XX/XX/20 I paid $ XXXX.0n XX/XX/20 I talked to a sales representative and she {$200.00} out of my account and then reversed the payment and the same thing happened on XX/XX/20 a payment for XXXX and reversed that one to and the payment that went through was never a 120 day late but PNC flagged my credit score twice
Product: Debt collection

I know nothing about who or what this debt is about. All debts that I did have were forgiven and or taken over ( by court order ) by my ex husband. Ive disputed this debt several times. & according to my report this debt is appriximately 15 yrs old. 
This company continues to harass me for a debt that isnt even mine.
Product: Credit reporting or other personal consumer reports

There are multiple unresolved issues with the reporting of students loansa ssigned to Navient then transferred to XXXX, that I have been working for years to correct. 

First, duplicates of the same student loans report on my account. The unconsolidated loans from Navient, are the same loans as the consolidated loans from XXXX and both are reported on my credit report. 

Second, the dates and reported delinquencies are erroneous, inconsistent, and it is abundantly clear no one has taken the time to review my disputes. The 22 unconsolidated loans were all from the same account with the same exact payment schedules, yet none of the reports or status 's are the same. Each time I attempt to have this corrected, I must submit 22 individual disputes which no one looks at. For example, there are multiple instances such as the status of a loan in XX/XX/XXXX. The account is listed as current with terms met. 30 days later in XX/XX/XXXX it lists a 90 day delinquency which is clearly impossible and inaccurate. 

The same thing happens in XXXX of XXXX. In XX/XX/XXXX ( during the pandemic and forgiveness period which is another issue ) the account is listed as current with terms met. 30 days later in XX/XX/XXXX it displays a 90 day delinquency again, recklessly erroneous and Ive reached out to both Navient and XXXX to correct this- additionally these accounts have been paid off in full- this is the history of payment I'm attempting to correct.
Product: Vehicle loan or lease

I am writing to formally lodge a complaint regarding the handling of my auto loan serviced by Bank of America, where due to a technical glitch on their end, I have been unfairly penalized with excessive late fees over a period of 13 months without prior notification of the account being past due. Despite my attempts to resolve this issue with Bank of America, I have not received a satisfactory response, prompting me to seek intervention from the Federal Reserve Consumer Help.

Issue Details : In 2023, there was a technical issue when setting up my first payment for my auto loan through Bank of America. Due to this glitch, for 13 months, I have been unknowingly charged late fees for each payment cycle. It is important to note that I have never missed a car payment and was under the impression my account was in good standing until I was contacted by Bank of America a few weeks ago. The bank informed me of the past due status and the late fees accrued, which by then had amounted to over {$700.00}. Upon receiving this information, I promptly made an additional payment to bring my account current, yet I discovered that late fees were still being applied. 
I have attempted on several occasions to reach out to Bank of America for assistance and to request the return of the unfairly charged late fees and for my account to be credited accordingly. Unfortunately, my efforts have been met with lackluster customer service, with no individual able to offer a resolution or even the courtesy of a callback. 
Desired Resolution : Given these circumstances, I kindly request the Federal Reserve Consumer Help to intervene on my behalf to achieve the following resolutions : A formal investigation into the handling of my auto loan payment processing by Bank of America. 
The return of all unjust late fees charged due to the technical glitch, amounting to over {$700.00}, and a credit to my account for the same amount. 
An official reassessment of my account 's standing to ensure accuracy moving forward. 
The financial stress and frustration caused by this ordeal have been significant, not to mention the hours spent attempting to rectify this matter directly with the bank. I believe that Bank of America 's handling of my situation lacks transparency and accountability, directly impacting my financial well-being.
Product: Credit reporting or other personal consumer reports

This is my new compliant that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent. 
Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bear my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these items from my file. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to remove these items I will be referring this matter to my attorney for further action. Please do not make this a port litigious matter Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit card

I received an advertising email from Apple Card indicating if I signed up by the deadline I will get {$20.00} bonus promo per month for 10 months to get {$200.00}. Terms were as follows. I clicked on the link in the promo email and did everything correctly but have not been receiving the promo bonuses. When I escalated they told me I did not click on the link, which is not true. I definitely clicked on the link and even have all the backup to prove that which I already submitted to them. I also filed several complaints after and they didnt even respond back. Please help me resolve this. 

Offer promo is valid only for new Apple Card holders who apply under this promotion and open an account in between XX/XX/year> - XX/XX/year>, and makes a minimum of ten ( 10 ) purchase transactions on their new Apple Card account each month during Purchase Period. {$200.00} is the maximum total bonus Daily Cash that can be earned during the Purchase Period. Purchases can only be made by the new Apple Card Owner.
Product: Debt collection

Jefferson Capital Systems continues to send me letters to collect a debt for XXXX XXXX that I have already settled. I have sent several letters to Jefferson Capital Systems and have not received a response.
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 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 account under an open end consumer credit card plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, despite the fact that I posted a Consumer Statement on  XXXX site, not to provide my credit report to any creditor without contacting me first on my provided personal cell phone number, second a call to my provided house phone number, and third obtain a written authorization from me. Transunion, on the referenced date, provided my report without my written request to : FIG LOAN INC/FIG LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ph : ( XXXX ) XXXX FIG LOANS opened an unsecured fraudulent loan/account for $ XXXX {$540.00}, in my name without my authorization, my written consent, nor any executed application submitted by me. I never heard of this so-called company ever before. I disputed this loan with XXXX on XX/XX/2020, and also tried to call FIG LOANS INC/FIG LOANS at the provided number on at no avail. Either no one answers or the call triggers a recording.. This has been going on up since XX/XX/2020 when I filed the First Dispute with XXXX until today XX/XX/2020, almost One and Half months of AGONY. Their action has effected my life, my credit score and it won't go away ...!!! This is keep on being reported as delinquent to XXXX and it brought my credit score to below 600. I filed a Second Dispute today with XXXX  regarding the same. I was asked by XXXX to report FIG LOAN INC/FIG LOANS to CFPB for their Fraudulent Act they have created in my name. Also, when I googled XXXX  ( XXXX XXXX XXXX ), this company showed as having committed fraudulent acts in the past and all along. To All Consumers, PLEASE BE AWARE of FIG TREE INC/FIG LOANS  and seek caution and protection against them. I have never filled nor signed an application for any loans whatsoever with them, and their fraudulent actions has put a dent into my life, and ruined my impeccable credit of the last 35 years..!
Product: Debt collection

A balance of {$530.00} was owed to XXXX XXXX. It was sent to two collection agencies. XXXX and XXXX. I contacted XXXX XXXX to determine who to pay they a said I could pay them directly. Which I did, the balance was paid in full. Subsequently, XXXX XXXX reported that I owed them a balance and added a negative collection to my credit. This balance has been paid in full and confirmed so by XXXX XXXX. XXXX reporting a balance AFTER it was paid in full and continues to report this as an outstanding debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX ( XXXX : XXXX XXXX. ) XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Originalcreditor : ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXXXXXX : {$1000.00} ; XXXX XXXXXXXX XXXX : {$1700.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX SXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX.
Product: Credit card

TDBANK XXXX double up signature visa, promo get {$150.00} if you spend XXXX in 90 days i did that and some, paid XXXX from a XXXX XXXX XXXX check [ balance transfer ] transfer was paying the card that i charged over XXXX on, they claim balance transfers don't count, even with that my math the branch 's math i went to all state i more than spent XXXX in 90 days, they come up with XXXX, there mistake is my balance transfer was sent twice XXXX XXXX and had to be returned all in all i had XXXX XXXX XXXX charges of XXXX alone. there was over XXXX spent in the 90 days, had managers on the phone and said they will file a complaint [ their own reps agreed on the promo that i had it ] no manager called to file the complaint, various on line emails went no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

TRANSUNION : Creditor : XXXX XXXXXXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX US Bankruptcy Court Ref # XXXX XXXX : Creditor : XXXX XXXX XXXX  Acct XXXX XXXX Creditor : Eastern Account System Acct # XXXX Creditor : XXXX XXXX # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXXt Acct # XXXX XXXX  : XXXX XXXX CT XXXX XXXX # XXXX XXXX : Creditor : XXXX XXXX XXXX  Acct XXXX XXXX XXXX : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX