23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, my financial institution, Bank of America, withdrew money ( in two transactions ) totaling {$4500.00} from my checking account to satisfy delinquent revolving consumer credit card debt that was being charged off by the bank. Federally chartered banks like Bank of America are prohibited from using offset to satisfy consumer credit card debt as per federal law.
Product: Debt collection

The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. XXXX. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is. Additionally, I know they have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize them to have access to the information. I intend to pursue filing a legal complaint unless they immediately delete this item from my report and stop all attempts to collect. Of course, I want that in writing too
Product: Credit reporting or other personal consumer reports

This evening, I discovered some incorrect accounts on my credit report and I'm not sure why. I checked my credit report as usual, but this time I found unexpected discrepancies. I tried refreshing my browser to see if it was a glitch, but the inaccurate accounts remained. Due to this issue, I request that the documents I've sent be thoroughly reviewed so I can stop worrying 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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.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 XXXX 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: Debt collection

Harvard Collection Services ( possible owner XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX and XXXX ( XXXX XXXX ) Fax : ( XXXX ) XXXX they are calling my ( XXXX ) place of employment.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters disputing the late payments reported on my credit card account with this company, referencing the Fair Credit Reporting Act under - Timing of payments and - Permissible purposes of consumer reports.

According to the Fair Credit Reporting Act, a creditor may not treat a payment on a credit card account as late for any purpose.

My records indicate that this company has reported late payments without the proper XXXX day notice on top of the fact that this is/was an open ended credit account. Please correct this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural Person, I am a human being, I have rights under 15 USC 1681.

Equifax is govern by USC 1681. And they violated my rights numorous of times. I demand the accounts listed to be removed Because According to 15 USC : I have the right to privacy and i did not give Equifax written permission to furnish these Accounts Account XXXX XXXX XXXX Account Number ending XXXX XXXX XXXX XXXX Account Number ending XXXXXXXX XXXX XXXX XXXX  Account Number ending XXXX
Product: Checking or savings account

On XX/XX/XXXX my husband, XXXX XXXX deposited a check into my checking account in the amount of {$800.00}. It was drawn against XXXX XXXX. XXXX XXXX said it cleared XX/XX/XXXX and that the funds were available. On XX/XX/XXXX Peoples United Bank in XXXX, XXXX. XXXX put a hold on the check from XX/XX/XXXX thru XX/XX/XXXX. They say they sent a letter to that effect but I did not receive a letter and dont believe they ever sent a letter. I dont think the Post Office lost a letter just going across town. I found out when I went to use my XXXX store card. I was shocked to see that the card was declined. When I checked to see why, I found out that the payment that was regularly scheduled to hit during the time there was a hold on my check, was sent back. XXXX closed my account and my credit score dropped 22 points. I owed XXXX about {$890.00} and the minimum due was {$35.00}. I had paid XXXX payments totaling over {$500.00} that month. I called them and they reinstated my card but my credit report had already undergone the ding. 

My husband talked to XXXX in XXXX XXXX at XXXX XXXX and she stated that the funds were available on XX/XX/XXXX and that XXXX XXXX would not have communicated anything negative about his account. She opened up a complaint against Peoples United Bank. 

Then XXXX XXXX Sent a response that the check drawn again XXXX XXXX did indeed post and clear on XX/XX/XXXX. I will attach the letter. I have tried to reason with XXXX to no avail at the XXXX Branch but their own bank person, who answered the phone at the number provided on the back of the debit card, also stated the funds were available. Thank you for your help. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

XX/XX/XXXX check was mailed to address. Family member deposited it in their account by signing my signature. It was deposited in their account not mine and was making payments on the loan through their bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an account reporting to my report that doesnt belong to me
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Prepaid card

I have attempted to use this American Express XXXX XXXX with numerous retailers since 2020, without any luck. I have followed XXXX XXXX instructions on how to do so. American Express claims that this American Express XXXX XXXX is usable at any retailer that accepts American Express, which does not appear to be true.
Product: Mortgage

My property taxes are held in escrow ( impound account ) with BSI Financial ( the loan servicer ) and the most recent property tax bill ( due in XXXX XXXX was not paid by them as it should have been! 

I'm in the process of arranging a HELOC loan with another lender in order to do needed home improvements and that's how this was discovered ( property tax must be paid or no HELOC ). 

In addition, since it is passed XX/XX/XXXX the tax is considered delinquent and there is a late payment penalty ( 10 % of the amount due ) so the total due is now {$2800.00} I contacted BSI on XX/XX/2021 and was told the matter would be " escalated ''. Since then I have called multiple days, and each time all the customer service rep can do is " escalate '' it - so nothing ever gets done or communicated to me. 

It has been ten days now, and BSI has still not taken any action to pay the property tax due. In addition, the only way to contact them is a single customer service number to reps who have no ability/authority to take action. 

I'm very concerned that my impound account funds will be taken by BSI and never used to pay the property tax or insurance bills for which it is intended. I am also unable to obtain another home loan since the property tax has not been paid - so I'm unable to pay for needed home repairs and remodeling. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. 
XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX In according with the fair credit reporting act, the above accounts stated above has violated my rights according to 15 USC section 1681. Which state a consumer reporting agency can not furnish any information on my credit report without my written consent.
Product: Credit card or prepaid card

From : XXXX XXXX XXXX c/o : XXXX XXXX XXXX XXXX Fort XXXX XXXX Florida XXXX XXXX : Citibank N.A . 
XXXX XXXX XXXX XXXX XXXX, SD XXXX Date : XX/XX/XXXX CEASE AND DESIST DECEPTIVE PRACTICE Re : Consumer Credit Application XXXX And to whom it may concern, FINANCIAL ASSET My Full Faith and Credit STATE OF FLORIDA non-citizen XXXX person is XXXX XXXX XXXX 31 USC 9301 Security/account number ending in XXXX Date of birth XX/XX/XXXX After reviewing State and Federal Consumer Credit Protection laws it has come to my attention that I have been misled into entering a comparable cash transaction instead of the open-end consumer credit plan pursuant to Equal Credit Opportunity Act ( ECOA ) and Truth in Lending Act ( TILA ). 

I, consumer, card issuer, am a natural person who regularly extends, renews, or continues credit and/or who regularly arranges for the extension, renewal, or continuation of credit, otherwise original creditor. See ECOA Credit card means any card, plate, or other single credit device that may be used from time to time to obtain credit. ( i.e. social security card/nationality card/ID card/U.S.A. Passport ) See TILA I have been misled by Citibank N.A. as participant in credit decision for Credit as a right ( 12 CFR 226.2 ) to incur debt and defer payment that does not require a down payment ( 15 U.S. Code 1662 ) and ( 15 U.S. Code 1605 ) whereby the finance charge does not include charges of a type payable in a comparable cash transaction. 

Citibank N.A. is the assignee of the original creditor who participates in the decision to extend, renew, or continue credit. See XXXX Citibank required both comparable cash transaction as down payment of {$200.00} and secured Truth in lending Act credit card ( Social Security Administration account number/identification card ) information via credit application as commercial paper for security to extend credit to consumer. 

Executed This Day XX/XX/XXXX pursuant to 28 USC 1746 ( XXXX ) By : XXXX XXXX XXXX XXXX XXXX XXXX of interest
Product: Payday loan, title loan, personal loan, or advance loan

Request for Immediate Refund... 
Date of Loan Application : XX/XX/year> Loan Amount : {$1300.00} Product : Laptop from XXXX with 2-Day Shipping... 
Events : On XX/XX/XXXX I applied for a loan with affirm to purchase a laptop from XXXX with 2-Day shipping. The order did not go through due to an 'Authorization Failed ' error on the card that Affirm 'approved ' for use on the order. I contacted XXXX 's customer service. They said that Affirm did not release the funds, and that is why I could not checkout. I called Affirm, at which point the representative activated the loan. I tried checking out again, however I received the same error message, 'Authorization Failed '. I contacted XXXX  again, and they ran the card through the system manually, but it would not work. Affirm deducted $ XXXX from my bank account for the loan. I contacted them for a resolution. They said to wait 3-10 business days for a refund as the loan could not be used on another transaction. After a few days I called for an update, at which point a supervisor escalated the issue and said to wait another 3-10 business days, and that the merchant has to cancel the order. During this time I called XXXX to confirm that an order did not exist from the card associated with the loan. They also looked up my bank card. I repeated this transaction lookup with both the Affirm agent and XXXX agent on the same call to prove that this loan is not associated with an order. Today I received a notice that I will not receive my money until 3-5 business days after the loan is canceled. Which takes 60 days. My bank informed me that if I dispute the charge I risk having my account with Affirm shut down. 
... 
I needed this laptop for job/study purposes, and without my money I can not purchase one. I respectfully request that the refund be expedited or, if I dispute the charge, that my account remains unaffected. 
... 
Summary : Affirm processed a loan charge for $ XXXX, but no product or service was provided. I have contacted both Affirm and XXXX multiple times, yet I am now being told it will take up to 60 days for a refund. I ask for a prompt resolution of this issue, or that my account remain unaffected should I dispute the charge.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit report regarding late payments associated with my account ending in XXXX. The reported late payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX are incorrect and do not accurately reflect my payment history. 
Nature of the Dispute Inaccurate Reporting : The reported late payments are erroneous. I have been enrolled in autopay for this account and have consistently made payments on time. 
Violation of Consumer Protection Laws : The inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which mandates the accuracy of information and requires prompt correction of errors.

It may also breach the Truth in Lending Act ( TILA ) by failing to ensure accurate reporting practices.

These inaccuracies negatively impact my creditworthiness and financial well-being, and I am requesting immediate correction to avoid further harm. 
Account Details Account Number : XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Account Status : Open Payment Status : Current Disputed Late Payments The following late payments reported by Experian are disputed as inaccurate : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have attached evidence, including payment receipts and bank statements, to demonstrate that these payments were made on time. 
Requested Resolution I respectfully request the following actions : Conduct a thorough investigation into this matter, as required by 15 U.S.C. 1681i.

Remove the inaccurate late payments for the months listed above from my credit report.

Update my account history to accurately reflect my timely payments.

Attachments A copy of my government-issued ID.

A copy of my Social Security card.

Proof of address ( utility bill or similar ).

A copy of the affected credit report with the errors highlighted.

Please provide written confirmation of the investigation results and corrections made within 30 days of receiving this letter, as required by the FCRA. Should this issue remain unresolved, I may pursue additional remedies to enforce my rights under federal law.

Thank you for your prompt attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I get paid every 2 weeks on a Friday but I get my check early so they come on Thursday usually around XXXX or XXXX. I did not receive my Check on XX/XX/XXXX I thought it was my job but I say the 10 % I deposit into my XXXX XXXX was pending but nothing for my capital one account. I thought my job processed payroll late so I reached out to my supervisor. It was not my payroll department. I kept checking my bank and checking my email because usually I get an email from Capital One stating that my phones were deposited into my account, but I still did not receive an email. Later that night at XXXX XXXX  I received an email which I still have stating that there was an issue on XX/XX/XXXX instead of letting their customers know when the situation happened they let us know a day later and it is now XXXX XXXX  on Friday XX/XX/XXXX and I still have not received my check. I reached out to Capital One earlier this morning XX/XX/XXXX around XXXX they did not call back until XXXX XXXX  XX/XX/XXXX and when I asked when my funds were going to be deposited, they stated they were working on it and could not give me that information. Again it is now XXXX on Friday XXXX XXXX and I still have not received my funds and I have bills that are due which I had to call and again reschedule and collect late fees due to capital ones issue.
Product: Debt collection

XX/XX/XXXX and XX/XX/XXXX I reached out to LVNV Funding LLC regarding the {$850.00} they say I owe they agreed to send me a full print out adding up to the amount listed. The statement they sent me was inaccurate. I reached out to them again spoke with a supervisor and disputed it over the phone with her and still no results but they continue to send the collection letters. this is really affecting my credit and life I cant get approved for anything with this hanging over my head.
Product: Debt collection

Date of alleged collection payment : XXXX To whom it XXXX concern : I am filling a complaint against Gold Key Credit , Inc. Florida because I just cant seem to get any information or validation of a collection for XXXX they say I have from XXXX. Not only have they not answered my certified registered mail to them, they have still failed to provide me with the verification of the collection payment of XXXX from XXXX, they say I had. I received a computer-generated invoice telling how much is due. The date in question I was in XXXX, Florida working, not sure how I can be in XXXX places at XXXX time. 

On XXXX XXXX, XXXX I sent registered certified letters to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, FL XXXX. I have attached letter and copy of certified receipt. I called many time only to be disconnected after waiting for long periods of time. When I have gotten through which was only once, they were rude and told me just to pay it. Not giving me any information to why. 

I also sent information to all three credit bureaus. I have attached letters and copies of certified receipts for XXXX XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX, XXXX. XXXX XXXX only because XXXX and XXXX have deleted ). 

XXXX XXXX and XXXX looked at all the information I sent to them and deleted it from my credit report, however XXXX has not been so for coming. After suppling information about the company not being licensed for Florida via the Florida XXXX XXXX XXXX XXXX XXXX copy enclosed ), still nothing has been resolved and I have received no information to state otherwise. XXXX Credit Bureaus only indicate that they have spoken with and validated information to be true. Yet I still have not received any evidence to prove that fact. 

Not only have I been turned down for multiply credit opportunities because of the erroneous information. I am still not able to get them to even respond to me with information on the collection they say is actual. I am hoping you will be able to help me get the information I need. As well as getting this erroneous information deleted from my credit report. Like I said above I have attached copies of letters with certified registered receipts for both Gold Key and the XXXX XXXX. I am hoping to get to the bottom of this soon it has been going on for over a year now and I cant seem to get help from anyone. 

Thank you ahead of time for all your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander repossessed my vehicle in 2013 and they are reporting the credit bureaus sometimes the account is open and sometimes is closed. They are reporting derogatory information and it is already passed the three year statue of limitation.
Product: Debt collection

Hunter Warfield sent an email on XX/XX/XXXX which was a e-notice stating they had permission to contact me. This email had an attachment that stated I owed a debt to a rental property, it listed an amount owed with no details about what the debt was for or timing associated. I thought this was a spam email and I did not open until XX/XX/XXXX when I spoke to someone at Hunter Warfield on the phone. We spoke for 15 mins. I told the agent I had never been notified of the debt by the collector when moving out or afterwards and needed detail on what the debt was for. On XX/XX/XXXX I received another enotice sent via email ( from a different email then the email first contact ) from Hunter Warfield ( I saved the first one, so missed this email ). This email contained debt verification that comprised of the lease and a billing statement that has no issuing individual name, no signature, and no proof of being sent via mail or electronically. It is my understanding that this debt verification letter was sent well beyond the time frame required ( 5 days from initial contact ). In addition, this enotice did not provide any guidance as to how to dispute my debt. Finally I believe they intentionally sent it from a different email causing me to miss the email and the response window of 30 days.
Product: Mortgage

the Home Equity Line of Credit has had a XXXX balance for months. 3 times via telephone and 3 times via letter, I have asked to close this XXXX BALANCE HELOC and they continue ignore my requests for updates on the status AND have ignored my request to close the loan and remove it from my property deed. 
I have called. I have written several letters and threatened action with the CFPB. They utterly ignore my requests to close the loan. 
Specialized Loan Servicing, Loan Number XXXX.