23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have two credit cards from two different credit card companies. Both credit card are in the amount {$700.00} with a {$170.00} Annual fees which was taken from the {$700.00} credit card but placed on my card account as the amount owe them. But if they already taken the annual fee out the {$700.00} available credit then I'm paying these two companies twice. I only received a credit of {$520.00} after they've taken the annual fee off. The problem is that the annual fees have already been taken out of Both cards. But I'm paying them the {$170.00} twice and this is unfair. The name of one of credit cards is Indigo credit card and the other one is Fortive credit card in which I haven't received the card yet but was able to create my account and that's how I found out that I'm being charged twice for the annual fees on these cards
Product: Credit reporting or other personal consumer reports

I have sent numerous disputes to Equifax to dispute the information my credit, but they keep.putting it back on there and I keep getting my scores change to the point I dont qualify for an apartment or car. According to U.S.Code for the Fair Credit Report Act ( FCRA ) 605B, it is against the law to put information on my credit report without my permission. Please remove these items from my report.
Product: Credit reporting or other personal consumer reports

Subject : XXXX 's Failure to Investigate Disputes in Violation of the FCRA Description of the Issue : I am filing this complaint because XXXX has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : - 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

- 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

- 15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

- 15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 
I have sent multiple dispute letters to XXXX, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 

To make matter worse, I have learned about the recent CFPB lawsuit against XXXX ( " CFPB Sues XXXX for Sham Investigations of Credit Report Errors ). which highlights that XXXX has documented history of neglecting consumers ' rights by failing to remove or properly investigate errors in credit reports. 

This issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me financial and emotional distress. 

XXXX XXXX : XXXX. XX/XX/year> - I called XXXX and disputed this item as inaccurate and sent the proof that I paid or was credited an amount XXXX. XX/XX/year> - I went through CFPB and sent proof of inaccuracy and XXXX has not answered as of yet. 

Impact on me : As a result of XXXX 's non-compliance : - My XXXX XXXX remains inaccurate, affecting my ability to secure housing, get a loan, etc. 
- I have been subjected to undue stress and financial hardship. 

Requested XXXX : - Require XXXX to fully investigate and correct the inaccuracies in my credit report. 
- Impose penalties on XXXX for non-compliance with FCRA provisions. 
- Ensure that XXXX implements proper procedures to comply with their obligatoons. 

I have attached all relevent documentation to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 4 months since Ive disputed these unauthorized accounts on my account that do not belong to me. I havent heard anything in regards to the investigation and removal of these 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
Product: Debt collection

I've come to discover Portfolio Recovery Associates, LLC my name in collections with a negative reporting on my credit reports in all 3 major credit bureaus. I have asked 2 times to for Portfolio Recovery Associates, LLC to send me proof/documentation that legally binds me to the debt and have NEVER received an email, or a letter by mail with such evidence. I would like such false information to be removed from my credit file asap. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my rights to privacy. They have also furnished my credit report and personal information with out my consent. Most of this information is false that has been provided to outside sources.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. tel:13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. tel:13407 ( 1 ) BREACH OF SECURITY. The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

YOU HAVE 30 days or you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on. The items I need deleted are listed in the report. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( inquiry. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the ( accounts ) in 15 days I will take legal action.
Product: Money transfer, virtual currency, or money service

On Friday afternoon, XX/XX/2022, I signed and deposited in-person a cashier 's for {$19000.00} with a branch of Huntington Bank XXXX The teller told me the funds would probably be available the following Tuesday, XX/XX/XXXX. Later on Friday, I checked my account and the check amount was on deposit hold. To my surprise, the hold was lifted when I looked at my account the next day, Saturday, XX/XX/XXXX. 
So from XX/XX/XXXX through Monday, XXXX I, spent about {$15000.00} of the check amount, including {$3700.00} using XXXX. About noon on Monday, the bank texted me that my account was overdrawn because the check deposit amount had been reversed. I immediately went to the branch to reverse all disbursements, including the XXXX payments which were still pending. The branch manager was told by the central office that the XXXX payments would be disputed but could not be reversed. 
Because I questioned why the bank released a deposit hold before the next business day for a check they had not yet validated, she had me talk over her phone to a person in central check processing. This person told me the bank is required by Federal Reserve regulation based on federal law to give " good customers '' immediate access to deposited funds. However, your website explanation at this link, XXXX  : XXXX # : ~ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, indicates such a regulation does not exist. Instead, the next business day, or Monday in this case, is the earliest the deposit hold should have been lifted under the most favorable circumstances.
Product: Checking or savings account

OnXX/XX/XXXX{$150.00} was taken out of my account unauthorized. OnXX/XX/XXXX I called the customer care center of my bank to dispute the charge, on that date the dispute resolution department opened an investigation. On XX/XX/XXXX they issued me a provisional credit in the amount of {$150.00} pending the outcome of the investigation they told me the provisional credit may be reversed. On XX/XX/XXXX without any notice they reversed the provisional credit of {$150.00}, so on XX/XX/XXXX when my direct deposit came in and I checked my account that's when I noticed they had reversed the provisional credit of {$150.00}. So not knowing they were going to do that, much to my surprise I was less the {$150.00} from my SSI direct deposit. So I called them immediately to find out why. I was told they had that right, that at any time if they decided to reverse it they could. I asked why I wasn't notified and also why would they reverse it just 12 days before the investigation was through.They would not say why and when I asked to speak to a supervisor they hung up on me. Then onXX/XX/XXXX I received a letter from them stating that on XX/XX/XXXX the investigation had ended and they closed the case in my favor. Then it went onto say that the provisional credit they issued me on XX/XX/XXXX would remain as a permanent credit on my account. So on SaturdayXX/XX/XXXX I called them and explained all of this to them. I told them that they are saying the credit will remain permanent but they had already taken the credit out, therefore they needed to reverse it and put the funds back into my account. Well needless to say they put me on hold and never got back to me. So again today, XX/XX/XXXX I called them again and pretty much the same thing happened. When I asked to please talk to a supervisor who could help me and explain to me what is going on, because as they know I am XXXX and live on my social security checks so that {$150.00} that they took out on XX/XX/XXXX came out of my check on the XX/XX/XXXX and I needed to talk to someone to find out what was going on because I live payday to payday. Well once again she interrupted me and said hold on and I was disconnected. I called back and it took me 3 tries before I could talk to someone and they hung up on me also. 
So then I called consumer finance and the lady gave me the website to y'all and here I am. 
I do have both letters stating everything I have told you as well as bank statements showing where the money was taken out and then the credit issued and then where it was reversed as well. Along with phone call logs with the dates and times of each call. 
So please any help I can get would be greatly appreciated.
Product: Debt collection

I got mail from TekCollect that I owe {$120.00} with an account number XXXX from XXXX XXXX XXXX as of XX/XX/2023. 
I have contacted the company XXXX XXXX XXXX XXXX ) and reported this. XXXX XXXX XXXX confirmed that I did not owe any amount and my insurance was claimed. This is regarding the reference number XXXX.
Product: Bank account or service

I am a Capital One account holder and was attempting to place a stop order on a large check due to inaction on the check for 30 days XXXX payable to the IRS ). In attempting to place the stop order, the fee related to the order was not disclosed, but rather you were directed to your account disclosures or to contact a toll-free number. After going through the Capital One 's long phone-tree to get to customer service, I was surprised to learn that the charge for stopping payment was {$35.00}. In my view, Cap One 's practice is unfair and deceptive insofar as it does n't clearly disclose such a large fee at point of entry and there is no link to any other fee disclosure. It would seem that this is clearly a violation of UDAP and should be remedied.
Product: Checking or savings account

On XX/XX/XXXX, I spoke with XXXX and emailed her at XXXX, sending her correspondence dated XXXX that confirmed the bank added a revocable trust as the beneficiary to a checking account and a savings account. I also emailed the trust documents, death certificate, and my photo ID. XXXX got her supervisor, XXXX, involved on the call. I was told theyd check with legal and call me back. XXXX called me back the same day. I was told legal checked with XXXX XXXX, one of the authors of the original correspondence, and legal confirmed Santander sent confirmation of adding the beneficiary to the accounts but have no explanation as to why the trust is not currently listed as the beneficiary on these accounts. The account holder died and I am the trustee of the revocable trust. I am trying to close the accounts but Santander refuses to honor the Trust as beneficiary. Santander is claiming I have to get a letter from probate court. However, the whole purpose of the account holder creating the trust and listing the trust as the beneficiary on her accounts is to avoid the time and expense of probate. On XX/XX/XXXX, letters arrived from SantandeXXXX stating they are going to close the accounts and escheat the funds to the state of South Carolina due to inactivity. I can not get XXXX or XXXX ( or anyone else ) to return my call or respond to my follow-up email.
Product: Mortgage

Had a loan through XXXX for almost 10 years with no issue. Sold my house on land contract. The gentleman was renting out the house and the loan was currant. XXXX sold to XXXX and they turned to Ditech. Ditech sent someone to the property and told the renters they needed to vacate because the house was being foreclosed on and they will be trespassing. By the time we cleared everything up the renters moved out using Ditech 's henchmen as their legitimate excuse. At that point the man that had the property on land contract started getting gitery on his investment in fear that something shady was going on with Ditech so he and I requested a loan modification which he has been through with several companies many times. At that point Ditech ran a continuous we will call you back run around with us. Almost never was there a record of previous conversations. No one that we were supposed to talk to was ever available and we were sent to voicemail after voicemail where the mailbox was full. Not one email or phone call was returned leveing it impossible to communicate with them. They at one point told us they would not take partical payments and then turned around and told us they were not sure why we were told that ( of coarse things got deeper and worse as they stalled out ). We have been waiting for loan modification papers for the final time for over a month now making handfuls of calls every day being sent to voicemails that are full and not able to leave a message. The are claiming the property will go into foreclosure in XXXX. If they would only do as they promised this entire situation will clear itself up and everyone can move on and they will get their money. If not everyone looses and it will be the sole fault of Ditech. Never have I witnessed such incompetent handling of a loan. 

The last payment was made in XXXX of 2015 for the amount of {$580.00}. I did n't make a payment in XXXX because I wanted written proof that the house was n't in foreclosure as that 's when they evicted the tenants. I then tried to make a {$1100.00} payment in XXXX and they would n't accept it and then tried to make a payment in XXXX and they would n't accept it either. During the course of the last year that have verbally told me twice that we were approved for a modification and then approved for a a repayment plan which I was trying to do for {$800.00} a month and then they never called back again. No exaggeration, I have called Ditech over 100 times throughout the course of the last 15-16 months and have received less than 10 return phone calls.
Product: Debt collection

On XX/XX/18, on my XXXX report a company called " XXXX XXXX XXXX '' placed a collections account that does not belong to me for {$660.00}. 

I tried calling them but there has been no response by phone. Instead of sending them a letter to dispute I'd like to complain about this company because I don't owe any business {$660.00}. 

Also, there is no account number listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian, XXXX, and XXXX. 

Ive submitted several disputes upon a series of companies whove purchased one particular charge off from a former creditor XXXX. Ive disputed the original creditor 's report as having an incorrect remaining balance of {$500.00} due to the fact that the XXXX  themselves reported that my last payment received was dated on XX/XX/XXXX yet late fee charges were continuously assessed into the that remaining balance reported beyond the maximum 180 day delinquency charge off date by an additional 2 months. Some of the CRAs ( Experian ) while others have not since updated that original XXXX credit report to reflect the error by removing the remaining balance completely as well as the payment history associated with it. A second party had purchased that errored bad debt from XXXX but managed to also make an additional mistake of not carrying over the original balance of {$500.00} and instead reported a remaining balance of {$500.00}!! Ive asked all the CRAs to investigate and upon that request was given the response the report falls under the fair credit reporting act. The debt buyer ( XXXX XXXX ) has no contact information in which I can coordinate any type of resolution. To make matters worse the debt buyers report was purchased by a third party XXXX XXXX XXXX of whom are purportedly reporting the same inaccurate information of {$500.00} for the remaining balance. {$500.00} does not equal {$500.00}, the fact that this third party is re-reporting the inaccurate information of the first debt buyer yet each of the CRAs capitulate that their investigation has been concluded with the same responding resulting review of still falls under the FCRA I want each CRA to show their results of how their investigation was conducted because last I heard reporting inaccurate information still goes against the FCRA. So, even though the incorrect balance of {$500.00} from the original creditor was disputed and then finally removed from my report its not reflected in the subsequent charge-off amounts and in additional the subsequent charge off amounts from debt buyer to debt buyer is also in accurate being {$500.00} does not equal {$500.00} I can only logically conclude that each of the CRA have in fact not thoroughly investigated my claim at all!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS TAKEN ADVANTAGE OF DUE TO MALPRACTICE WHILE SEVERAL LAWS WERE BEING BROKEN BY YOUR COMPANY UNDER THE XXXX, THIS HAS CAUSE ME FINANCIAL INJURY AND THIS IS DEFAMATION OF CHARACHTER. I HAVE BEEN DENIED JOBS BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN UNABLE TO LEVERAGE MY ASSETS DURING THE PANDEMIC BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN DENIED AN XXXX LOAN BECAUSE OF THE NEGATIVE, UNDULY AND ERRONEOUS ITEMS ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I recently received about XXXX hard inquiries on my credit that i do not recognize The enquirers are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I called the LoanPal customer service requesting a payoff for XX/XX/XXXX. This would allow 8 business days for LoanPal to generate the payoff amount. I was told on the phone I would likely get the payoff on the XXXX or XXXX. On XX/XX/XXXX, after not receiving anything, I called asking about the payoff and was told generally they just get to them as fast as they can. On XX/XX/XXXX I called again ( now past the payoff date requested ) and they said " corporate '' was running behind on getting payoffs out and said at this point my old payoff would be invalid but said they would submit another one. I didn't care to wait another couple weeks of interest accruing for a payoff that may never come so I planned to just make a sizable principal payment hoping the next generated bill would take care of any interest accrued.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Email : XXXX Phone : XXXX Subject : Debt Validation Request Dear [ Creditor/Debt Collector ], I am writing regarding the accounts listed below that you claim I owe. This letter serves as a formal request for debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under this law, I have the right to request verification of the debts being claimed. 

I am disputing the validity of the following debts : XXXX XXXX  ( Acct : XXXX ) Balance claimed : {$8400.00} XXXX XXXX  ( Acct : XXXX ) Balance claimed : {$50000.00} XXXX  ( Acct : XXXX ) Balance claimed : {$7900.00} Midland Credit Management ( Acct : XXXX ) Balance claimed : $ [ XXXX XXXX ] XXXX XXXX ( Acct : XXXX ) Balance claimed : {$88000.00} XXXX XXXX  ( Acct : XXXX ) Balance claimed : {$57000.00} Midland Credit Management XXXX XXXX XXXX, Acct : XXXX ) Balance claimed : {$620.00} XXXX XXXX XXXX ( XXXX XXXX, Acct : XXXX ) Balance claimed : {$3200.00} XXXX ( Acct : XXXX ) Balance claimed : {$10000.00} XXXX XXXX  ( Acct : XXXX ) Balance claimed : {$17000.00} XXXX XXXX  ( Acct : XXXX ) Balance claimed : {$68000.00} XXXX  ( Acct : XXXX ) Balance claimed : {$32000.00} I request the following information for each of the debts listed above : Proof that I owe the debt and that it has been verified as accurate. 
The name and address of the original creditor. 
The amount of the debt, including an itemized breakdown of fees, interest, and payments. 
Copies of the original agreements or contracts that allegedly created these debts. 
Proof of your legal authorization to collect this debt in my state. 
Evidence that the alleged debts are within the statute of limitations. 
I also request that you immediately cease all collection activities, including reporting these accounts to any credit reporting agency, until this validation process has been completed. 

Please note that any attempt to collect or report unverifiable debts is a violation of federal law. Should you fail to validate the debts, I will pursue all legal remedies available under the FDCPA and Fair Credit Reporting Act ( FCRA ). 

This is not a refusal to pay but a request for validation. I look forward to your written response within 30 days of receipt of this letter. 

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

Hello, I need help with a dispute that I sent on XX/XX/2021 regarding some inaccurate things on my credit report. It has been almost 45 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.