23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

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

Not sure of dates, because I was not expecting to have to report Equifax. My son had me as a user on his XXXX card, in case he needed me to get anything for him. We found out it was reporting on my credit, so in early XX/XX/2021, we called The credit card company and had them remove me. They said that on XXXX XXXX, it would be off my report. It came off XXXX, but Equifax would not remove it. Over the past month we have called XXXX XXXX  and Equifax numerous times. XXXX has told us that it was reported that I was removed and they told me it was up to Equifax to remove it. They even gave us an email to show Equifax that it was removed, but they refused to look at or accept it. Equifax claims it is XXXX, but if XXXX removed it and they even gave us a letter to give Equifax, which they would not accept as proof, I say Equifax is the problem. Also, I dont like speaking to someone I cant understand and now I know that all these people overseas, have access to all my personal information. The letter Im attaching says XX/XX/2021, but we actually had XXXX remove it around the XXXX, the XXXX is when we requested a letter.
Product: Credit reporting or other personal consumer reports

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 My information may have been impacted by the Equifax, XXXX and XXXX Data Breach and may have got into the hands of the wrong person Under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX XXXX without prejudice
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for fanning to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. these are the accounts that Ive marked inaccurate XXXX XXXX XXXX and XXXX and XXXX XXXX
Product: Credit card or prepaid card

This complaint is in regards to a XXXX XXXX Credit Card issued by Comenity Bank ( XXXX XXXX XXXX, XXXX, OH XXXX ) Our primary complaint goes back to XXXX-XXXX-17 when we paid off our card with a payment of {$49.00}. The payment was credited to our account but we received a {$2.00} minimum charge on XXXX-XXXX-2017. We paid this in good faith on XXXX-XXXX-2017 because we pay our bills. Then Comenity Bank assessed a late fee of {$4.00}. This created a minimum charge of {$2.00} on XXXX-XXXX-2017 then they assessed us a Late fee of {$8.00}. All of these charges were assessed after the entire bill was paid and the minimum finance charge was met.
Unfortunately on XXXX-XXXX-17 we made a purchase of {$100.00} thinking there were no charges on the account. Then on XXXX-XXXX-2017 we 're were assessed a {$2.00} minimum finance charge. Receiving our statement we were surprised to learn we in total we owed assessed charges of {$14.00} plus an additional {$4.00} charge to equal {$18.00} to our account between the moment of paying off the account on XXXX-XXXX-2017 and the minimum residual balance of {$2.00} on XXXX-XXXX-2017. We spoke with the credit card company and were unable to receive any credit against the assessed charges so we paid {$14.00} on XXXX-XXXX-2017 to bring the account current. Our dismay caused us to close the account immediately ( XXXX-XXXX-2017 ). We offered to pay the remaining balance immediately but Comenity refused to take this payment due on that day because, " they are not allowed to take two payments with the same debit card on same day. '' We did make the final payment on XXXX-XXXX-2017 of {$100.00}. To our surprise we received a new statement with a {$2.00} minimum charge for " trailing interest '' on XXXX-XXXX-2017. Upon receipt of this statement we called Comenity Bank customer service. The first representative refused to remove this charge calling it " valid ''. We were referred to a second representative who also refused to remove this charge. We requested further review and received the threat, " if you want to speak with someone else you will have to wait at least 20 minutes. '' We were then informed it would be less hassle if we just paid the {$2.00}. We persisted in waiting for the third representative who reviewed our account and the previous tapes and decided to offer the {$2.00} credit to reconcile the account. In all we were on the phone approximately 50 minutes. During our wait we realized the statement declared we had been charged a total of {$49.00} for fees during 2017 and {$6.00} for interest ( although most of this were {$2.00} minimum charges ). This credit card company is dishonest to the core. I am surprised they are even allowed to stay in business. This is our second time dealing with this bank and they are the ONLY bank to tarnish my credit report for unpaid balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. I am writing to demand that credit freezes and unfreezes be made free for individuals on which these credit companies store information. These companies already collect and sell our data, in an industry where their services are required. I ( nor any other consumer ) should be required to pay these companies to protect my information when, through their own errors, they lose the information they have been collecting without my consent anyway.
Product: Debt collection

Midland Funding LLC, XXXX XXXX and XXXX XXXX XXXX have been attempting to collect on debts that were settled with original creditors. They have tried to collect on credit card/telecommunications accounts for several years and refuse to remove these settled/paid accounts from my credit report. It is fraudulent to attempt to collect on paid debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently still being reported inaccurately on credit report by the State of CT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The report shows past due and delinquent payments. I will be attaching letters that dispute this information. I do have a letter from the State of CT dated XX/XX/XXXX that shows all my current support was up to date and it was reported to consumer reporting agencies. I will further attach information that shows the amounts were fully paid off in the year XXXX.
Product: Bank account or service

Chase Bank has been unwilling to provide any form of assistance in recovering or refunding the money I lost as the result of a scam. I wrote a check to an XXXX-based tour company in the amount of {$3600.00} in exchange for their tour and guide services. 2-days prior to the trip, the company cancelled the trip citing XXXX in the area. No other travel companies that we contacted cancelled their trips and there were no reports of any XXXX online. The tour company has kept my money and is unwilling to offer any form of refund. The others in my group were able to recover their funds from their banks and credit card companies, but Chase told me they would not provide any options other than " contact the police '' and " try to get your money back from the company yourself. ''
Product: Credit card or prepaid card

Discover card has refused to intentionally review in full, this request for consideration to refund, despite an online initial request with several agents stating this is an unusual situation. 
COMPLAINT Letter regarding DISPUTE XXXX XX/XX/XXXX COMPLAINT I am writing to advise you that I am unhappy with the decision taken not to refund payment as requested in my prior letter date XX/XX/XXXX. 
I booked my travel with XXXX XXXX based company called XXXX  XXXX XXXX XXXX Company number XXXXXXXX XXXX  : XXXX. This company entered insolvency on XX/XX/XXXX. This has left many people, I included, out of pocket for future travel with them in XXXX.This tour was to take place on XX/XX/XXXX. This Discover card was used to satisfy the full payment to XXXX on XXXX XXXX for {$3400.00}. ( Citation from 1 XXXX XXXXXXXX XXXX and is found in the uploaded information in my account in your Securities tab ) I appreciate that there are time-scales for refunds to be initiated, but I had no reason to believe up until XX/XX/XXXX that my tour would not be honored. I am part of an XXXX XXXX group of failed customers who are aware that many financial companies including XXXX XXXX XXXX XXXX, and XXXX have already made refund payments to XXXX customers, because of this and their willingness to understand this is unusual. 
This payment was made in good faith by me and I trusted in the fact that in using Discover 's credit card for a future travel event, that I was covered in case of failure. I have been a loyal customer since XXXX of XXXX and have never experienced a set back like this. 
On a personal level, I would find this refusal to refund my money devastating. I placed my trust in your financial institution and was certain you had measures in place to protect me as a valued customer in a case like this. I would ask that you reconsider the position regarding my request and return funds to my account using the Chargeback mechanism as I was not able to use them for the intended purchase.

In my Discover credit card account, I have all the uploaded information for review and can support that I attempted to contact several times XXXX for a full refund, though they claimed funds could not be refunded and could only be used for future tours. 
As soon as it became Internationally known, I actively researched to get this hard earned money back. 
Thank you and I am sure this is now another of many requests you have encountered regarding the failure of XXXX.
Product: Credit card or prepaid card

I allege that Chase Bank is MANIPULATING my Sapphire prefered credit card in order to gain higher interest. Chase posting of transaction is PURPOSELY NOT FAST enough, so they can always have a balance on my credit card. For example : when my card had a balance of {$210.00}, I paid with actually 'cash from my checking account '' which is immediately transfer. Chase did not clear it, hold it PENDING AND WITH A RECALCULATED BALANCE OF {$180.00}. ONCE AGAIN, I CALCULATED HOW MUCH I WAS SPENDING, AND PAID THE BALANCE OF {$180.00}, AND HOLD IT PENDING, NOT CLEAR IT. THUS CHASE IMMEDIATELY POSTED EVEN A HIGHER RECALCULATED BALANCE OF {$180.00} WHILE {$180.00} WHICH I TRANSFERRED FROM MY CHECKING ( CASH ) ACCOUNT, IS STILL PENDING. 
IT SEEMS CHASE IS TRIPLE DIPPING : USING MY MONEY FROM MY CHECKING ACCOUNT, HOLDING MY CHASH AS PENDING, WHILE I TRANSFERRED TO MY CHASE CREDIT CARD... ON THE CREDIT CARD, MY ACTUALLY CASH IS PENDING, AND THE MERCHANT IS NOT PAID ON TIME .... ALL FOR THE GAINS OF INTEREST ILLEGALLY BY CHASE. 
THIS IS SO INJUST!
Product: Mortgage

On XX/XX/, Dovenmuehle Mortgage Inc. sent me a letter identifying I was owed {$540.00} in unclaimed property and noting that I had until XX/XX/ to claim those funds. The letter noted that in order to claim those funds I must sign and return the letter via standard mail, fax, or email. On XX/XX/ I emailed a signed copy of the letter and called Dovenmuehle and was assured I would be receiving a check within ten business days. On XX/XX/XXXX  I called Dovenmuehle again to inquire about the status of my property and was assured it would be expedited. On XX/XX/ I called Dovenmuehle again and they informed me they had not received the signed letter via email. I sent another copy and the agent on the phone acknowledged the receipt of the email and sent me a letter confirming I had met the due date to claim my property. On XX/XX/ I called Dovenmuehle to inquire regarding my property and was told that they had sent the money to Missouri 's unclaimed property. There is no record of those funds in Missouri 's unclaimed property database.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XX/XX/XXXX, I became aware of the fact that I was likely part of the gigantic breach at Equifax that started as early as XX/XX/XXXX, though news reports and the Equifax " tracker '' online. Equifax apparently did not have adequate security measures in place to prevent this information from being accessible to hackers, nor did Equifax take appropriate measures to alert the public as soon as practical, thereby further aiding and abetting the hackers to use our information.
Product: Debt collection

On XXXX I went to an ATM to get cash from my checking account knowing I had a balance of over {$2000.00} I got XXXX cash and it said my balance was XXXX. I thought it was a mistake so I called my bank XXXX at XXXX and they told me that XXXX XXXX XXXX XXXX had a jugement on my account for over {$1600.00} that was dated XX/XX/XXXX for XXXX XXXX credit card? I currently have XXXX credit cards from XXXX XXXX with perfect account standings.I ran credit reports from your website about 4 months ago that were all good and showed nothing of this what so ever. I certainly do n't recall a judgement in XX/XX/XXXX 12 years ago of this nature. The last couple months I was getting calls on my cell phone with the caller I.D . blocked and when I answered they would rattle of something credit service and ask for personal information address date of birth social security number and a red flag would go off and I was positive it was a scam because they would n't Identify themselves and wanted my information and they would call twice a day and started threating me so I quit answering the calls. After I talked to my bank and they gave me the company name and phone number I called them and they told me that they had an active judgement against me dated XX/XX/XXXX for XXXX XXXX and they were going to contact the courts that I contacted them and they were going to seize my money? I do n't know it this is an actual recovery company but they present themselves like big time scam artists. I also had credit reports ran XXXX when I got a credit card from XXXX 's that was good and showed nothing of this at all. If this company has an active XX/XX/XXXX judgement against me why has n't it ever showed up and if XXXX XXXX had a bad account with me why would they issue me XXXX different cards and have had the cards for a long time with no complaints. I did file a complaint with your website on the class action of XXXX XXXX kept billing me for account protection that I never signed up for and kept billing me for years and would n't stop and I was awarded somewhere in the {$1600.00} dollar range so I wondered if this was that company that kept billing me without my consent? I am not a wealthy man and it is the XXXX of the month and have bills to pay and now no money to pay them. 

XXXX XXXX
Product: Debt collection

I called the company to set up payments. The agent told me what the debt was for before identifying who I was potentially releasing my information to a third party. She then refused my payment and proceeded to over talk me. I asked for a supervisor who threatened to report to my credit even though Id be making payments. He ignored my concerns about the previous agent. I dont appreciate the level of disrespect and the threats against my credit.
Product: Debt collection

I was charged a missed visit fee from XXXX XXXX but a provider never contacted me for my XXXX appointment. I have submitted my phone records to XXXX XXXX  proving that I was never contacted by corporate to file my insurance ( which generally happens 30 minutes to XXXX hour prior to a XXXX visit, and then a text link for the provider is sent to me ). I never received a call from a provider at any time on the missed visit date, as evidenced by my phone records. I left multiple voicemails, spoke with multiple supervisors, and sent multiple emails to XXXX XXXX, but no solution or return contact was ever received. I kept being told the charge was " in review ''. Then, I received a collections notice. I have tried to file a dispute with KLS Financial Services four separate times now ( three times via phone and once via klspay.com per their statement ), and I keep being told that I " can not file a dispute '' and " should just pay the amount ''. My credit rating is excellent, and I've never had a collections company contact me in nearly 40 years. Obviously, there is something wrong, or I wouldn't be fighting two separate companies over a menial {$40.00}. But it's my {$40.00}, and I don't owe the charge. XXXX XXXX should be paying me for the missed visit, since their provider did not show for my appointment.
Product: Credit reporting or other personal consumer reports

Dear XXXX Team, I hope this letter finds you well. I am writing to formally request a goodwill adjustment to my credit report. Upon reviewing my report, I noticed inaccuracies regarding accounts listed as charge-offs. These inaccuracies do not reflect my current financial standing or the steps I have taken to resolve past issues. 

I take full responsibility for the past challenges that contributed to the negative information. However, I have worked diligently to improve my financial habits and manage my obligations responsibly. To this end, I am humbly requesting that you remove or correct the following inaccurate items :
Product: Student loan

I know for a fact I've never done a variable rate loan. They are claiming that my interest rate is 7.7 % variable and I asked for the master promissory note and they told me that it takes 3 months to get it. 

There are also erroneous fees and accrued interest charges for periods that I have been on in school deferment, covid deferment, and military deferment. I am ready to pay this loan off but I do not trust them.
Product: Bank account or service

My husband and I were the victims of a scam. Someone called my husbands cell phone claiming to be a representative from USAA Bank which, at the time, was our primary banking institution. The individual posing as USAA requested that my husband verify certain pieces of his personal information in order that she could check to make sure he was eligible for {$10000.00} to be deposited into his account. To make a long story short, this individual was impersonating a USAA representative. They then proceeded to deposit fraudulent checks into several of our accounts to include my children 's dependent accounts and withdrew over {$6000.00} dollars from my husband 's account from an ATM machine all in one day which I feel is very strange. Shortly after all these transactions were made, we received an automated telephone call form USAA stating that they suspected fraudulent activity on our account and instructed us to call them. We called them and that 's when we were informed of the transactions. This was on XXXX XXXX 2015. Since that date, USAA has been very uncooperative with us. They have refused to give us information about how we can try to recoup the monies that were stolen from us. They have not even given us anything in writing explaining to us what our options are. Every time we call them in reference to this situation they say that we need to speak with someone in the fraud department and we have to hold for hours or are disconnected. It appears to me that they are deliberately treating us in this manner because we never had a problem with USAA until this incident. My most recent contact with them was today XXXX/XXXX/2015. I called to see if I could get some type of written documentation outlining the fact that our accounts were frozen due to this fraudulent activity which lead to my mortgage payment check being returned and incurring a fee and a 1 year penalty of not making any election payments. After I was transferred about XXXX times and was on hold for 1 hour, the representative told me, " USAA will not provide any information of the sort due to the fact that USAA has deemed that you are responsible for this series of events. '' I find it really hard to believe that as international bank that preys on the Military Community, ( we are a Military ), they could not give us any guidance or help with this potentially career threatening matter. My husband is and XXXX and I also work for the XXXX. We have both now been sent to a collections agency about the balances even after we have called to speak with their internal collection department to try and set up a payment plan for the over drawn accounts. This has been such a horrible situation and to have the door shut on us by a financial institution that I have been with for almost 10 years is very disheartening.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting At XXXX Account # XXXX as 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.