23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I joined XXXX XXXX XXXX on XX/XX/2020. XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX , XXXX, IN XXXX. The assistant manager was extremly rude to me on several occations. Also they were not observing social distancing in the gym because the equipment was extremly close to each other and was very crowded. The gym was dirty and not where I wanted to go. I told the owner I wanted to cancel afer 3 days. He agreed and sent me a cancelation form. I filled it out and dropped it off to him. He would not give me copies of my contract or signed cancellation form. However I took him at his word that I would be cancelled and refunded my money. After 2 weeks, I did not see a refund. I notified him and he said he was not going to refund my money. He also stated if I disputed the charges with my cerdit card company, he would charge me for a full 3 months and addtional charges and send over to a collection agency. I did dispute the charges with XXXX XXXX Credit card. They reversed the charges. He has sent this over Eagle Accounts Group located at XXXX XXXX XXXX, XXXX, IN XXXX. They are trying to collect on a cancelled account and with added fees that I do owe. Please help as this company ruthless in its business practices and trying to extort money that is not due to them.
Product: Debt collection

this company calls before XXXX they have been told to cease and disassit and in the past to stop calling my mothers house they still call my mother 's house leaving messages on the voicemail, but still calls early in the XXXX.
Product: Credit card

This is a follow-up to complaint XXXX. 

My complaint was closed based on the response from the bank. 

The bank claimed that it sent me two letters notifying me about the risk of my account being closed. 

I have reason to believe that the bank falsified the notices. I have never received any of the letters referenced and attached to the bank 's response. Had I seen a notice about one of my oldest accounts being at risk of closure, I would have definitely used the credit card. 

Additionally, I have been subscribed to all electronic communications from the bank. Nevertheless, there are no such notices available in neither my online banking nor in my emails. 

I believe the bank is lying about the notices as it is hard to believe that XXXX failed to deliver the letters on two occasions ( the address noted on the notices attached to the response is accurate ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Date : Inquiry : XXXX. XXXX, XXXX Inquiry : XX/XX/XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX
Product: Consumer Loan

On XXXX Santander made a collection call to my cell phone at XXXX without my consent. They also made a a call after XXXX without my consent. Please pull phone records for calls made during non collection times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/2024 Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

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

SOMONE WAS USING MY INFORMATION FOR SEVERAL YEARS AND APPLIED FOR MANY DIFFRENT ACCOUNTS AND LOANS THAT I WAS NOT AWARE OF I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

PayPal are creating fictitious purchases of the same amount of purchases that I already made. So I am being charge twice for the same amount. Is not the first time they do this. This happen back in XX/XX/2020. I spoke to them and they apologize and remove the amount. But they are still doing it. They need to be audit. I am going to call them so they can remove these amount once again but they need to be audit and charge for fraud.
Product: Debt collection

I spoke with a representative from Midland credit and I wanted to validate the debt because 1. I don't recognize the debt and 2. they are calling from XXXX , it took me over 20 minutes to get the mailing address. The collector kept badgering me and making me feel harrassed.
Product: Credit reporting or other personal consumer reports

I submitted a complaint more than XXXX  days ago and I havent received any information from either credit reporting bureau or agency. I submitted the complaints on XX/XX/year>. 

The complaints were made with the CFPB. The complaint numbers are : XXXX XXXX XXXX The negative accounts in the complaints should be deleted immediately.
Product: Checking or savings account

I am an XXXX XXXX XXXX man and on XX/XX/XXXX, a M & T bank customer service representative named XXXX XXXX asked me if I knew what a CD was, I answered " Yeah like XXXX XXXX and XXXX? '' She said no, but stated that she noticed I had a lot of money in my account. She asked if I wanted to move {$1000.00} each to two ( 2 ) CDs, but she didn't explain enough for me to understand what was going on. On XX/XX/XXXX, I received paperwork showing that {$20000.00} was moved out of my account. When I went into the bank to complain I was informed that it would cost me {$500.00} to cancel the CDs and get my money back. After more complaining they decided to waive {$250.00} on one CD. I believe this whole thing was under-handed. This entire situation was not right and I want all of my money back!
Product: Debt collection

I have a debt on my credit for {$1400.00} which was due to XXXX XXXX but I guess they sent it to XXXX XXXX XXXX XXXX credit says it was opened XXXX/XXXX/XXXX. This is not my bill. I have the same company for at least 10 years and never had XXXX. I called XXXX they tried to find account with my name and then then I told them my last 4. Needless to say there was no match. So that means the person used my social security number with fake name. This is on the XXXX and not XXXX ; well at least not yet. I really need this off of my credit. So this XXXX breach has impacted my credit, and I am trying to get a house. Now I have to put it on hold. I am a working class wife and mother of XXXX. Everyone check your credit on a regular.
Product: Checking or savings account

Chase Bank debited {$5300.00} on XX/XX/2020 from my account for transactions that had happened between five and 8 months prior to the date. They have said they were doing a fraud investigation at the beginning of XXXX, however, at the conclusion of the investigation in XXXX, they made it clear that I had done nothing wrong. Then, a full four months later, with no notice and no explanation, the {$5300.00} was drawn from my account. I have escalated this issue to multiple levels of Chase, including their executive office and they had said they will not help me. I have provided them with the most specific guidance I could find, which was directly from you guys ( CFPB ) and they refused to review it. I believe that the checks in question needed to be reported within 60 days, which certainly was not the case here. With Chase now refusing to help, I'm asking for you guys to try to step in. 

The transactions in question are included below : XXXX {$2200.00} XXXX {$770.00} XXXX {$810.00} XXXX {$1500.00} https : //www.consumerfinance.gov/ask-cfpb/how-do-i-get-my-money-back-after-i-discovered-an-unauthorized-transaction-or-money-missing-from-my-bank-account-en-1017/
Product: Checking or savings account

i put & XXXX into my XXXX XXXX from my credit karma spend money account. XX/XX/22 is the date of transaction. i have screen shots from XXXX. Credit Karma took the money out i keep up with my money. on XX/XX/22 its on my statement and making my account negative. my card had already been charged. Credit Karma money spend let my account go negative {$970.00}. there is no reason that should have happnend. now nobody from there will return any message from me., i want my money back. i should not have gone negative. please help me. its my bill money.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN and XXXX, without my knowledge or consent, placed a security freeze on my credit report. I have requested that they remove it forthwith. They refuse to do so and continue to send me stupid form letters from EXPERIAN asking for confidential information I refuse to supply to them, including my social security number, a copy of a driver 's license ( assumes I have one ), utilities bills and other things. I DID NOT REQUEST THE SECURITY FREEZE. They must remove it immediately.
Product: Credit reporting or other personal consumer reports

Failure to provide documentation : Requesting Verification of Information and Evidence of Permissible Purpose Pursuant to 15 USC 1681b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

I HAVE A HOME EQUITY LINE OF CREDIT WITH CITIZEN 'S BANK. ON MONDAY XX/XX/2019 AT XXXX AT CITIZEN 'S BANK BRANCH : XXXX, WITH TELLER : XXXX AND TRANSACTION # XXXX I PAID THE OUTSTANDING BALANCE OF MY LOAN {$20000.00}. THE MONEY WAS REMOVED FROM MY ACCOUNT ON XX/XX/2019. THE RECEIPT I RECEIVED FROM CITIZEN 'S BANK ON XX/XX/2019, SHOWED THAT THE LOAN HAD BEEN PAID IN FULL. 
I FOLLOWED UP WITH CITIZEN 'S BANK ON XX/XX/2019 TO CONFIRM THE LOAN HAD BEEN PAID IN FULL, I WAS INFORMED THAT THERE WAS STILL AN OUTSTANDING BALANCE OF {$20000.00} ON THE LOAN AND THE BANK WAS UNABLE TO TELL ME WHERE THE FUNDS THEY HAD REMOVED FROM MY ACCOUNT, THE PREVIOUS DAY, HAD GONE. THE BANK OPENED AN INVESTIGATION INTO WHERE THE FUNDS HAD GONE ON XX/XX/2019, INVESTIGATION # XXXX. I WAS INFORMED THE SITUATION WOULD BE RESOLVED IN 2-3 BUSINESS DAYS. MULTIPLE SUBSEQUENT CALLS TO CITIZEN 'S BANK OVER THE NEXT WEEK CONTINUED TO SHOW AN UNPAID BALANCE ON MY HELOC. 
ON XX/XX/2019 CITIZEN 'S BANK INFORMED ME THAT THE SITUATION WITH THE MISSING FUNDS WOULD BE RESOLVED BY THE NEXT BUSINESS DAY. 
ON OF XXXX XXXX I WAS INFORMED BY CITIZEN 'S BANK THAT THERE WAS STILL NO RESOLUTION TO THE MISSING FUNDS, AND THE MATTER WAS BEING HANDELED BY THE CHAIRMAN 'S DEPARTMENT. WHEN I ASKED TO BE CONNECTED TO THE DEPARTMENT THAT WAS DIRECTLY HANDLING THE PROBLEM I WAS INFORMED THAT WAS NOT POSSIBLE. I WAS INFORMED THAT THE CHAIRMAN 'S DEPARTMENT WOULD HAVE TO CONTACT ME AND THAT COULD TAKE AN ADDITIONAL 3-4 BUSINESS DAYS. I WAS ALSO INFORMED THAT THERE WOULD MOST LIKELY BE NO ADDITIONAL INFORMATION ABOUT THE MISSING FUNDS UNTIL THE CHAIRMAN 'S DEPARTMENT CONTACTED ME AND AGAIN THAT COULD TAKE AN ADDITIONAL 3-4 BUSINESS DAYS. 
I FIND IT VERY DIFFICULT TO BELIEVE THAT A FINANCIAL INSTITUTION COULD TAKE TWO WEEKS TO FIND A {$20000.00} ERROR WHEN THEY HAVE ALL OF THE INFORMATION LISTED ABOVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019, an Arbitration award was awarded to XXXX XXXX in the amount of XXXX dollars for breach of contract between XXXX XXXX VS. CONSUMER FINANCIAL PROTECTION BUREAU, BANK OF AMERICA N.A XXXX XXXX and XXXX AND XXXX, attorneys representing BANK OF AMERICA N.A. XXXX XXXX. The property of XXXX XXXX is still being held unlawfully. My credit is still being reported as though nothing happened. I demand my credit be restored! I will now charge XXXX dollars a day until my credit is restored. This will be binding on all parties individually. Copies and proof of mailings will be provided upon request.
Product: Credit reporting or other personal consumer reports

Ive contacted these companies multiple times trying to dispute these accounts. Im a victim of identity theft so these accounts are not mines. 

Accounts : XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX  {$810.00} XX/XX/XXXX THESE ACCOUNTS THAT WAS FRAUDULENTLY OPENED IS CAUSING ME TO NOT RECEIVE HOUSING FOR MY DAUGHTER & I. IM A SINGLE PARENT
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : XXXXXXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXXXXXX Balance Owed : {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

Fay Servicing is falsifying escrow statements to try to collect fees and default interest from customers. They falsify dates and amounts of disbursement in order to create escrow shortages that dont actually exist in order to demand extra payments. For example, on my recent escrow statement, they put down that they sent out XXXX  to the county for property taxes in XXXX XXXX XXXX. In reality, the amount was XXXX and paid on XX/XX/. The escrow analysis was done in XXXX XXXX XXXX  and claimed that they had already disbursed payment, even though they had not and would not for another month. They also falsely claimed that they made a Home Insurance payment on XXXX, even though the insurance company didnt send them the bill until XXXX By playing with dates and amounts, they create huge escrow shortages, {$12000.00} in my case, and try to collect this money. If you are unable to pay this quickly, as was in my case, they then try to collect fees and default interest which is not actually written into your mortgage. My autodraft date was XX/XX/XXXX, and I put a stop-payment on the draft because the amount, which went from XXXX to XXXX, looked like an error. I called them multiple times that week to resolve the escrow shortfallwhich later I found to be based on false numbers and dates. On XX/XX/XXXX, I received a phone call from XXXX XXXX trying to collect {$9300.00}. He was trying to collect default interest repeatedly demanded I pay two payments, and default interest for 40 days, ( he had the wrong due date, I was 32 days behind ) and repeatedly refused the XXXX mortgage payment, which I offered to pay in full. Ultimately, it turned out I did not owe any default interest, according to my HUD statement. I have been locked out of my account, they have {$4000.00} of my money that is sitting unapplied and they refuse to respond to my requests for payment history or escrow analysis to be corrected. I have to jump through hoops, such as sending them electronic money orders through 3rd parties, to make my monthly payments, which they then keep unapplied until I pay them the full amount based on false escrow analysis.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX* 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws . I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX. XXXX XXXX  XX/XX/XXXXXXXX  Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX. XXXX XXXX XX/XX/XXXXXXXX  Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card

I filled the form after I called Truist and they verified that they never had my account closed and its open. Why is this happening about 2 months now having my credit card to close and when they ask me to call company they either say no your acct is open or transunion keeps hiving info that is going back even after the cards were open after. They closed XXXX XXXX after I have for so many years and paid off everything on time and with no issues. Used this card for XXXX 99 % and 1 % on insurance for XXXX paid in food. Started with at least XXXX and then raised to XXXX which I need for XXXX next year. Had to stop until someone sees they are wrong. Truist credit card I have no problems also with no issues and they even verified. Used there someone I can call to discuss my issues further since these things need to stop already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete immediately XXXX XXXX  has yet to pay INVOICEConsumer Financial Protection Bureau complaints filed by me on XX/XX/XXXX ( case number XXXX ) and XX/XX/XXXX ( case number XXXX ). XXXX still has not shown me a receipt of payment For XX/XX/XXXX ..Do not use the EOSCAR system .. XXXXs Account payment history is inaccurate and is a reason to DELETE the entire account off of my credit report. attached is PROOF that it is inaccurate. the inaccuracies are HARMING me. I have disputed this multiple times Experian, XXXX and XXXX still can not prove the alleged payment in XXXX of XXXX, and XXXX of XXXX I have documented proof on The creditors ( XXXX ) letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by XXXX XXXX I demanded for them to DELETE IMMEDIATELY
Product: Vehicle loan or lease

I reached out to this financial institution on numerous occasions, via phone call in XX/XX/XXXX and also by via USPS Certified Mail letters. I informed this company that they have in fact violated the FDCPA ( Fair Debt Collection Practice Act ) 15 USC 1692a ( 3 ) pertaining to the alleged loan they claim I owe on my vehicle. I received no response from this company. 

On XX/XX/XXXX I forwarded a certified document to this company- a letter of violation, demand and written instructions along with an affidavit of truth to validate the federal law they have violated.