23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notification on my credit report that a new debt has been added to my credit report in XXXX of 2017 from TSI/XXXX. I contacted the reporting agency via phone to see what this was regarding the amount of {$100.00}. I was told that it was for a medical bill I explained to them That I not once received a letter stating that a debt was owed for this medical bill and that they are violating the fair credit reporting act / fair debt collection act. Because I never received an original letter of the right to dispute or a letter stating that it will be reported on my credit report or resolved it before it went toward my credit report. 
The female that I talked to was extremely rude on the phone and refuse to understand what I was explaining to her how I know these laws are out there to protect the customers and she treated me like I did not know what I was talking about which the conversation ended in a verbal screaming, cussing, and match. I even stated that i will dispute it because I never received the right to dispute and she stated dispute it your not going to win it still will be on your report regardless which I find that is a complete abuse of authority I was originally wanting to resolve the matter before it went to my credit report but I was more upset that it went on my credit report because I did not want any damage done to my credit score. 3 weeks after the incident I received a letter for the amount I never received the original right to dispute before it is reported on my credit report before any damage was done to my credit score.
Product: Debt collection

Essentially said organization claimed that they had a court case that I have yet to find anywhere on XXXX. Contacted relatives that they were not supposed to.
Product: Mortgage

I have been trying to pay the total amount due to the enclosed mortgage company Amerisave since XX/XX/year>. 

XXXX. I received a hurricane XXXX forbearance on last year. 
XXXX. The forbearance was due in XX/XX/year> XXXX. I sent in an XXXX  payment through my bill pay service at XXXX XXXX XXXX XXXX in XX/XX/year> ( enclosed ) XXXX, XXXX, and XXXX totaling XXXX. 
XXXX. Amerisave applied the XXXX and the XXXX payments incorrectly and did not apply the XXXX payments at ALL. 
XXXX. The XXXX payment was sent the same way as the other XXXX mis applied payments. Amerisave changed the payment from XXXX to a paper check and did not cash it by the XXXX date that was given. 
XXXX. On XXXX I got a certified check from my bank account at XXXX XXXX and sent the payment through return receipt overnight mail.
Product: Debt collection

This is coming from a phone number XXXX. She stated in a phone call that i had committed fraud and refuse to give me a copy of the debt. I told her i want to speak to a supervisor and she put my on hold and it was her again but saying a new name. She said i was also being investigated for other matters and that i told her she is not aloud to call my employer or call my number anymore and she said she can call anytime she wanted to.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or correct the following items that are hurting my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

It is deeply troubling and unacceptable that I was hung up on yet again by a manager today, while I am still unable to access my fees. This ongoing issue has caused significant frustration and XXXX, further compounded by the lack of resolution or accountability from Navy Federal. The emotional and financial strain I have endured as a result of this negligence is outrageous, and I fully intend to pursue legal action early next year. Navy Federal will be held accountable for the pain and suffering I have endured, and I am confident that justice will result in a fair and substantial outcome.
Product: Debt collection

I have been trying to discuss with XXXX XXXX that this account is not mine. I asked for proof of the debt they sent me a pay history with no names attached only dates and the address listed is not my address. I have tried several times to advise a rep, who tells me i must pay and very rude might I say. Now is on my credit report and I am not attached to this debt any other way at all. Thanks
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than XXXX  days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). 

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 


AS THIS IS MY SECOND WRITTEN REQUEST!!!! 
YOU ARE IN VIOLATION!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Back in XX/XX/2023, both my wife and I received emails stating that an application to open a checking account at Bank of America had been received. Moments later, a XXXX email stating that our accounts had been opened, along with partial information about our account. We called BofA immediately and disputed. 

Last week, a mere XXXX  months later, I woke up to another email about an account application. Minutes later, an email stating the account had been approved. Once again I called BofA immediately to dispute. Account got closed, but this week both my wife and I received debit cards in our names! 

I don't understand how easy BofA makes it for people to open accounts. XXXX in XXXX months is quite absurd!
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, Equifax This letter is a follow-up to my previous correspondence dated XX/XX/2024 regarding inaccurate information on my credit report. In that communication, I disputed the following items : Late payment on account number XXXX on XX/XX/2024 there was a late payment posted on my account where i was never late Federal law, under the Fair Credit Reporting Act ( FCRA ), requires you to investigate disputes within 30 days of receiving them. As of today, XX/XX/2024, I have not received any response regarding my dispute. 

I request that you immediately investigate this matter and take the necessary steps to correct the inaccurate information on my credit report. Please provide me with a written update on the status of my dispute within XXXX business days of receiving this letter. 

For your reference, I have enclosed a copy of my previous correspondence and any supporting documentation I submitted with my initial dispute. 
Cfpb Account # XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Description XXXX XXXX Account XXXX XXXX XXXX CollectionOrChargeOff Installmentwritten off profit/loss -- XXXX XXXX Closed Balance Owed : XXXX {$29000.00} Account Rating : XXXX Account Type : XXXX Account Status : Closed Date : Credit XXXX Limit : XXXX -- Creditor Remarks : CHARGED OFF XXXX ACCOUNT Date Opened : XXXX XXXX Date of Last Activity : XXXX XXXX High Balance : XXXX -- Last Verified : XXXX XXXX Payment Amount : XXXX -- Payment Status : XXXXXXXX XXXX Loan Type : Automobile I demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting obligations and any consumer legislation. 
Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
I was looking at Account XXXX ( XXXX ) expressing Closed. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! 
Viewing Payment Status ( XXXX ) demonstrating XXXX. I am writing to inform you that the data for this account appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about CDIA requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas! 
Bring to your attention Date Opened ( XXXX ) reporting XXXX I think this account is inaccurate because it doesn't follow the required standards. This debt was written off as profit/loss but I never received a 1099-C form. I am also requesting this from.
Product: Debt collection

I 've received telephone calls from " XXXX '', who works for XXXX XXXX XXXX in XXXX, Virginia. Supposedly, I " owe '' a medical debt to XXXX XXXX for approximately {$48.00}. The Department of Veterans affairs authorized non-VA care at XXXX XXXX. The VA has a policy that any " authorized non-VA health care services is considered payment in full. The provider may not bill you or your health carrier for any services that were authorized and paid by VA. '' When I explained this to " XXXX '', he rudely told me to let him finish talking, and he stated that until I faxed him that VA statement, he would continue to collect the debt. I stated that it was illegal for him to do so per the health insurance policy. Previously I had given the debt collection company the addresses of the Department of Veterans Affairs. I question whether the company is in fact legitimate. I have received XXXX different telephone calls from XXXX different telephone numbers. XXXX of the telephone numbers was overseas. Each time, the person on the telephone had a XXXX XXXX XXXX and used XXXX names. I was asked to give my mailing address and my date of birth to " XXXX ''. I worry about identity theft issues, so I hope I did n't accidentally give the wrong person my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

dispute # 1 : There is an inquiry on my XXXX  credit report from XXXX XXXX XXXX inquiry date XXXX. I did not inquire anything from XXXX this was done fraudulently against my knowledge and my consent I did not sign for any of this Dispute # 2 : cbna inquiry date XXXX national credit card cos. This inquiry also is fraudulent as I did not inquire anything from Citibank North America this was done fraudulently against my knowledge and consent I did not sign for this this has already been removed from my XXXX  consumer report deleted from my XXXX consumer report
Product: Vehicle loan or lease

According to Title 15 section 1605 ( Determination of finance charge ) In my loan contract my finance charge was {$7600.00}. Per Title 15 section 1605. This is all that I shouldve been charged. Yet I was required to pay a down payment plus another {$21000.00}. This is a clear violation of Title 15 section 1605.
Product: Credit card or prepaid card

I had a credit card with CITI bank and It was showing closed.Also showing due of rs XXXX on XXXXXXXX.While I had negative dues on Citi Bank .Then they charged some membership fee .I tried to call them to close my account.But they didn't close my account.After some time they automatically closed my account but in my XXXX report it is showing rs XXXX pending and it is impacting my XXXX  score.
Product: Money transfer, virtual currency, or money service

I was looking to rent an apartment. I saw a listing that advertised a 2 bedroom apartment for XXXX a month. Around XX/XX/XXXX. I messaged the seller and we begin talking about renting the place out, he asked for a security deposit before I was able to see the place. Out of desperation I sent XXXX dollars for an application fee as well as XXXX dollars for the security deposit. When I asked to see the property the person advertising said that I needed to send him more money for paperwork. Thats when I realized I was being scammed and requested my money back. He said I have to pay XXXX dollars to get it back so I sent it to his XXXX XXXX which I have. Unfortunately he never sent me my refund so I told him I was going to get the police involved. He stopped responding to me. I have text messages showing our agreement. I also have a picture of the property he listed. And I also filed a police report # XXXX. Also the person who was involved was a guy named XXXX XXXX. Thats the person who received my XXXX through XXXX XXXX. My bank declined my case although I have all the information indicating that I have been scammed
Product: Credit reporting or other personal consumer reports

This CFBP XXXX  has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ). that you, the Experian credit reporting agency, block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this XXXX. This fraudulent, inaccurate, and false information consists of a few personal credit accounts : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that the previous mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of ftc identity theft criminal complaint as proof from the US FEDERAL TRADE COMMISSION that all previous consumer credit accounts are a result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent debt validation letters and dispute letters to PORTFOLIO RC and all XXXX credit bureaus in regard to a debt in the amount of {$440.00}. They are reporting inaccurate information on my credit report. The last active is off by a year between all three bureaus. According to XXXX XXXX XXXX XXXX a consumer has the right to dispute inaccurate information found on their credit report. The bureaus have only responded saying the account is verified.
Product: Student loan

On XX/XX/XXXX I went to make a final payment on my loan of {$5300.00}. For each of the two days afterwards I checked the Nelnet site for my balance. The payment was still processing, and the interest on the amount, {$5300.00}, was still accumulating. So now the final amount was up to about {$5400.00}. This caused some worry in me, but I waited until the payment finalized on XX/XX/XXXX, and now Nelnet showed the balance as {$0.00} and the loan as 'Paid in Full '. 
As an extra measure I kept checking each day for a few days afterwards and the amount stayed the same ( as {$0.00} and 'Paid in Full ' ). Fast forward to XX/XX/XXXX I check the website again and now the balance Nelnet is showing is up to {$35.00}? I am furious seeing this but I decide to use their site 's payoff calculator and schedule a payment for XX/XX/XXXX as the amount Nelnet showed for that day ( XX/XX/XXXX ) as {$35.00}. So now I am paying them an extra {$35.00} after their site showed for a week that I already paid my loan in full. I have contacted Nelnet asking for information about this matter but I am getting no response from them regarding this issue. I do not want this cycle to keep repeating itself when I have paid in full what I owe already. 
Thanks for reading!
Product: Bank account or service

chase checking XXXX charged XXXX XXXX {$34.00} without authorization for overdraft. chase calls this overdraft insufficient funds. it is not insufficient funds. it is overdraft. XXXX XXXX never authorized overdraft. XXXX XXXX never authorized insufficient funds. the difference is insufficient funds is when i write a check more than the available. overdraft means an outside agent tries to take money that is not available. the difference between overdraft and insufficient funds is that overdraft involves a third party. XXXX XXXX never authorized a third party to take money from his checking account. therefore there can be no authorized overdraft fee. what chase is doing is doing overdraft but calling it insufficient funds to make it appear that XXXX XXXX is to blame. in fact the third party is to blame. XXXX XXXX has complained about this particular problem many many times. chase does not have any permission anytime to overdraft the checking no matter who or what the reason. i will not pay this {$34.00} and if chase refuses to take back this {$34.00} overdraft fee then XXXX XXXX will sue chase. this is a flagrant example of chase stealing {$34.00} by calling overdraft insufficient funds. 
XXXX/XXXX/2016 Fee INSUFFICIENT FUNDS FEE FOR A {$200.00} ITEM - DETAILS : XXXX XXXX XXXX XXXX WEB ID : XXXX {$34.00} ( {$200.00} ). 
respond to this complaint in a word document. DO NOT REPLY IN A PDF FORMAT BECAUSE CHASE INTENTIONALLY REPLIES IN UNOPENABLE REPLIES. CHASE IS A CROOK. CHASE BUYS OFF XXXX PARTIES TO TAKE ADVANTAGE OF EACH AND EVERY SITUATION. IF CHASE LOSES MONEY CHASE TURNS TO THE XXXX XXXX ITS PARTNER BECAUSE CHASE IS TOO BIG TO FAIL. I AM DISGUSTED WITH XXXX PARTIES BEING BOUGHT OFF WITH BRIBES BY CORPORATIONS TO STIFLE COMPETITION. WE NEED THE OPPOSITE OF XXXX WHICH MINIMAL REGULATION IN THE MARKETPLACE WHICH WAS SUPPOSED TO PREVENT STIFLE COMPETITION. THERE IS NO COMPETITON AND WE NEEDTHE GOVERNMENT TO DEFEND US FROM STIFLED COMPETITION.
Product: Checking or savings account

On XX/XX/24, I have a XXXX XXXX XXXX XXXX which I got paid. Cash of XXXXXXXX XXXX, I stopped by chase bank in XXXX XXXX XXXX which is the bank. I save around XXXX XXXX to deposit the money of {$5000.00} into my account for payment and other expenses I owe, I use my ATM card and deposited the money, after I deposited the money, the receipt from the ATM gave me show no indication of the amount of money deposited into my account but shows an error that the ATM is broken and do not accept cash show no indication that the money was deposited into my account, either I took a screenshot which indicate the ATM machine is broken. The amount of money was not registered into my account either. I called Chase bank claim department and with the number on the receipt I reported the situation if they can look into the camera and the evidence and the screenshot that I have to deposit XXXX XXXX cash but but the ATM is broken and error and did not indicate the amount of money into my account the claim number was XXXX, they they refunded XXXX but later on after four days went back into my account and took XXXX XXXX XXXX from my account since then I have tried calling Chase Bank claim center to file a new claim. Talk to the supervisor try to resolve if they can put the money back into my account to know avail I spoke to XXXX XXXX and branch manager, XXXX XXXX, and all they said they have closed my case, and they have exhausted all the investigation towards this matter and kept my money. I feel like somebody need to help me, but they have denied all my claim and my evidence that I provided to them and still did not refund me my money back, please I need help because I have just a small business to Survive And And I think they can check the cameras the receipt I showed them and the amount of money they retrieve from the ATM after I reported the incident Thanks XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX