23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX of Keith D. Weiner & Assoc. CO.,  L.P.A. was collecting a debt for XXXX XXXX XXXX. We had a settlement hearing where I was supposed to pay 50 % of the debt, but the above party backed out of the agreement. The court ruled in there favor in the amount of {$4100.00}, and that was paid according to XXXX XXXX XXXX   XXXX XXXX on XX/XX/2020. The above party added another {$1700.00} to the already paid debt, stating to XXXX that this was interest, which is impossible. A hearing was held and I found out the the court holds the payment before sending it to the party above, and the crazy part about it, they still are adding on interest, weekly, biweekly, etc. But they know the court holds the money, so that is where the payments were held for at least about 4 to 5 months. Another hearing was held for me to dispute the {$1700.00}, and at this hearing it was found that only {$230.00} was owed from the illegally added on interest, which was paid on XX/XX/2020, but the court Sustained the Garnishment out of spite because I challenged them, and said they were running a scam. I work for the XXXX XXXX, I am a Veteran and a former XXXX XXXX  XXXX, and I know for a fact what the party is doing and what the court is allowing is fraud. I am sure this has been going on for years and no one has called them on it until now, and I am being punished for speaking out against the XXXX Court of Common Pleas in  XXXX Ohio. I need assistance regarding this matter as soon as possible, Case No : XXXX, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$5500.00}
Product: Credit card

Urgent Request for Correction of Credit Report Information Dear XXXX, XXXX, and XXXX Customer Service, I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding the accuracy of information on my credit report associated with my account with FEB DESTINYXXXX. Upon careful review, it has come to my attention that there are violations of federal laws, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. These laws emphasize the importance of accurate reporting and fair practices in the credit industry. I am particularly concerned about the violation of 15 U.S.C. 1666 ( b ), which explicitly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This provision underscores the critical importance of ensuring that payments are not erroneously treated as late. The absence of a robust system to confirm whether I am receiving statements, whether in paper or electronic form, raises questions about compliance with this federal law. By failing to adopt reasonable procedures to verify the receipt of billing statements, there is a risk of treating payments as late, directly contradicting the mandate of 15 U.S.C. 1666 ( b ). Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which prohibits the furnishing of false or inaccurate information, is troubling. The lack of a reliable verification process regarding the receipt of billing statements calls into question the accuracy of the information reported, especially concerning late payments. Considering the gravity of these violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law, I request that immediate steps be taken to ensure the accuracy of information reported to consumer reporting agencies. I also draw your attention to 15 U.S. Code 1681s-2, which mandates furnishers of information to provide accurate and complete information. It is crucial that FEB DESTINY/XXXX complies with these obligations to rectify any potential adverse impact on my credit history. In light of the concerns raised, I kindly request that my account status be promptly reviewed and updated to paid as agreed. I believe this corrective action is necessary to align with the aforementioned federal laws and to ensure the accurate representation of my payment history. Your prompt attention to this matter is crucial, and I trust that XXXX, XXXX, and XXXX will take the necessary steps to address and rectify any potential inaccuracies in my credit report. I appreciate your cooperation in resolving this matter promptly. Done in good faith.
Product: Checking or savings account

I was using a PNC smart access account to receive my unemployment benefits during this pandemic last Tuesday I went to use my debit card and it was not working being declined I called PNC and they told me that they had returned to the the most recent deposit and closed my account and will not give me an answer to why. so I am not waiting for that deposit to finally show up I was told it could take up to six weeks.

I'm not sure if it's the right thing to do to somebody by closing their  account that's only receiving the unemployment benefit deposit during a pandemic
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I purchased some XXXX XXXX components from Amazon. One was ordered by me incorrectly and I received an authorization to return it and order the correct one. This I did and Amazon notified me that they had received my return and had shipped the correct item. The transactions took place using my Chase Bank Amazon VISA card. 
I received my Chase Amazon card invoice in XXXX and did not see the credit for the returned item and wrote Chase a letter on XXXX regarding this matter. Copy enclosed as first attachment. 
Upon receiving my Chase Amazon card invoice for XXXX, the credit was missing but interest on the disputed charge was included. I therefore sent a certified letter to Mr. XXXX XXXX, copy enclosed as attachment 2, and included my check # XXXX in the amount of $ XXXXwith an appropriate explanation in the letter. The USPS submitted to me signed hard copy indicating receipt of the letter by Chase. To this day the check has never been cashed, however. 
Subsequently, the Chase Amazon card invoice for the following month was in error and I therefore wrote a second certified letter to Mr. XXXX dated XX/XX/2020. A copy of this is provided as attachment # 3. Once again the USPS also provided me with signed hard copy indicating receipt of the letter. Also this time check that I included to pay the accepted charges was cashed. 
I received on Saturday evening XX/XX/XXXX at XXXX XXXX  a broken up voice mail from a lady in the " executive office '' of Chase. A month later ( XX/XX/XXXX at XXXX XXXX ) I received another voice mail this time from from XXXX in the executive office. While this one was clear enough to understand, I did not respond to either voice mail as I prefer to conduct business in writing where proper thought can be given before responding and fewer misunderstandings occur. I felt that having sent several letters this would be understood by any responsible party particularly given the complexity of this dispute. 
With no written response from Chase, I learned that Chase reported me to the credit reporting agencies and my credit score dropped from the 800s where it has been for as long as I can remember to the low 700 's. Then on XX/XX/XXXX they sent me notice that they were reducing my credit limit on my other Chase card to {$500.00}. While not certain, I believe it had been somewhere between {$10000.00} and {$20000.00} prior to this slap on the wrist. 
I have followed XXXX XXXX 's career prior to his going to XXXX XXXX  and, while I really did not expect these letters to actually reach him, I believe he would be extremely distraught to learn of the actions - or lack thereof - of his " executive office '' staff.
Product: Debt collection

I’m having problem with XXXXXXXX XXXX in XXXX.And the frauds Bank Westlake Fin.Both auto dealer and this bank has been sued from many clients,I have purchased a Car in XX/XX/XXXXI returned it XX/XX/XXXX.i never recived any papers from the bank statement of how much was sold for,I never recived any court papers,Westlake Fin.Bank has put Collection on my credit for XXXXXXXX XXXX sales has put XXXX in collection.The car was bought for XXXXI have tried to disputed many times.XXXX  has been on them for few years.please help.thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Original CFPB Complaint # XXXX Against XXXX XXXX XXXX XXXX In XXXX or XXXX we refinanced our XXXX XXXX XXXX XXXX XXXX. The original loan was with XXXX XXXX XXXX XXXX. We refinanced the loan with XXXX XXXX XXXX XXXX ( XXXX ) in XXXX Texas. XXXX called XXXX XXXX XXXX and received a payoff of the loan good till XX/XX/XXXX. XXXX issued a check in the full amount provided by XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX did not submit the check from XXXX until XX/XX/XXXX per XXXX records. XXXX XXXX XXXX began reporting late pays on both my wife 's and my credit reports for the difference between the payoff provided thru XX/XX/XXXX and when they deposited the payoff check on XX/XX/XXXX. These late pays continued through XXXX of XXXX. We only aware of this in accuracy the week of XX/XX/XXXX when working to make a major purchase. XXXX XXXX XXXX XXXX actions are unacceptable based on their internal processing of the check. We should not have been penalized/reported late on our credit reports. This has significantly damaged our credit rating to the point that we are now unable to obtain a loan on our pending purchase. We have attempted to resolve the matter with XXXX XXXX XXXX to no avail thus far. We continue to receive stall and deflect actions from them. We now at the point of losing our option on the purchase we were attempting. Based on information provided by XXXX, the payoff amount check was issued and mailed to XXXX XXXX XXXX 8 days prior to the payoff date provided of XX/XX/XXXX. XXXX XXXX XXXX should not have reported to our credit reports due to their inability to process payments in a timely manner. 

The issue above was resolved with XXXX XXXX XXXX XXXX to correct all incorrect reporting from the furnisher ( XXXX XXXX XXXX XXXX ) in XXXX of this year. We received a letter from the Office of the President that outlined the steps they would take to correct the wrong reporting. ( Attached ) XXXX XXXX XXXX XXXX sent to all three Credit Reporting Agencies ( CRA ) XXXX, Equifax, and XXXX the correct information to be updated and reported on our accounts. The CRA 's were to remove any and all derogatory comments related to the XXXX XXXX XXXX trades, payment history, payment status, all late payments, any reference to charge off and/or settlement. In addition we were refunded two checks from XXXX XXXX XXXX for the charges that were incorrectly billed to us in addition to the above. The CRA 's have only made a portion of the corrections to our accounts and left other incorrection information in place. If fact, some of the initial changes that they made, they have changed back to derogatory 30 days after the corrections were made. This has caused my credit score to drop 47 points as of XXXX.
Product: Credit reporting or other personal consumer reports

Credit reporting agency not corrrecting late payments as requested inaccurate information reference 15 USC 1666B remove all late payments retroactivly to current across all agencys 15 USC 1666B
Product: Debt collection

This debt is on my credit report and I would like to dispute this matter. The account is Jefferson Capital SY - XXXX XXXX for the amount {$2600.00}. Please help me fix this. My email is XXXXXXXXXXXX. Phone number XXXX. Thank you. 

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

When I investigated my credit report, I realized that some of the information was erroneous.Equifax required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in several letters stating inquiries are Unauthorized. 
These are the following inquiries that are unauthorized : 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX Account # XXXX has violated my rights. 

XXXX  XXXX Account # XXXX has violated my rights. 

XXXX Account # XXXX has 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 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

We have made payments on time since the origination of our loan. However, every month we receive a late notice and they continue to pile up since  XXXX / XXXX / XXXX . We have documented proof of on time payments from our account to Ditech. When we contact  Ditech  to remediate, they give us a different reason for the issue every time and never fix it. Currently, we " have ''  5 late  payments, and they have marked are credit reports and are attempting to " foreclose ''. We contacted them early on  XXXX / XXXX / XXXX  regarding these errors and they said our account number was causing issues in receiving payment, it is now  XXXX / XXXX / XXXX  and they have not updated our account and have since issued to our credit report that we are in foreclosure. This is fraudulent and illegal, and we have contacted them every month regarding these issues, and still no resolve.
Product: Credit reporting or other personal consumer reports

Requesting the removal of the inaccurate reporting on all 3 credit bureaus, the last reported payment was ( XX/XX/XXXX ), but also has no payment history on the account. It also has a 120 day collection remarks that also numerically invalid with no accurate record of payments. Making it difficult to obtain housing to avoid homelessness. This messes up two things, first, this error does not indicate when the account was actually charged off. Second, this error manipulates the status of the account itself. They were never given permission to furnish such, first delinquency and this is causing great stress being reported. XXXX XXXX XXXX XXXX XXXX has violated ( 15 USC 1681s-2b ) of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies. They failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too. I am demanding deletion from my consumer report or else. Im going to pursue litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$180.00} ; XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$110.00} ; BXXXX XXXX XXXX ( Original Creditor : XXXX PA XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX {$110.00} ; XXXX XXXXXXXX Balance XXXX {$200.00} ; CXXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items ( Transunion, XXXX and XXXX ) that are on report and all three are wrong. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate the following information. XXXX # XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. XXXX XXXX # XXXX. The address for this creditor is incorrect, correct it or delete this account. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. Type of loan is incorrect, correct it or delete. ATTORNEY GENERAL # XXXX Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The address for this creditor is incorrect, correct it or delete this account. Date of last payment is incorrect. Correct it or delete this account. XXXX XXXX XXXX # XXXX No contract with this company. Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  has been reporting inaccurate information on my report for years. They take innocent people falsify income information to get you approved even with horrible credit scores and have you pay out the Roof! interest rates. 33 States are Litigation with this company. I feel based on the facts I should be eligible. I'm simply asking to investigate my auto history from XXXX and ask for method of verification. I got tricked into paying my account although ; I still disagree with everything they claim to be as negative or charged off. I got rear ended in a car accident none of this should be on my account. Thousands of customers will tell you how much of a fraud company XXXX is.I would like to file a complaint for me being a victim of Deception and Predatory lending practices.
Product: Debt collection

XX/XX/2018, {$85.00}, I didnt know anything about this debt. I honestly thought my insurance paid it. I tried to dispute it but since I am on my mothers insurance it didnt allow me to because it has her name on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right, I did not authorize nor have anything to do with the following inquiries. 

XXXX. XXXX XXXX XX/XX/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 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