23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a document from Transworld Systems Inc,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , WA  XXXX  stating I owe for a parking ticket I received in  XXXX ,  2017 for a "  wheels not turned to the curb '' issue. The Ticket number is  XXXX  and was to be paid to  XXXX   Municipal Court.  This ticket was paid on  XXXX   XXXX ,  2017,  in full with an e-mail response from  XXXX   Municipal Court  thanking me for my payment and asking me to keep proof of payment for my records, which thankfully I did. I should not have to prove I paid something in order to avoid their attempt to coerce payment. They should have to prove I did n't pay it..
Product: Debt collection

I explained this was from previous home owners they came and picked up the equipment Never signed a contract with this company
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inquiries listed on my credit report, which I believe are fraudulent. I have no association with the listed creditors and did not authorize these inquiries.
Product: Checking or savings account

My card was used fraudulently and subsequently my bank account was closed. I called Chase and let them know and also followed up with supporting documentations as my card was used in another state. Chase has XXXX XXXX XXXX XXXX  and is holding this debt over me and asking that I pay them when I am not responsible for this balance. I have been trying to work with Chase for years in regards to the to no avail.
Product: Checking or savings account

I recently transferred money from my XXXX XXXX XXXX to my XXXX XXXX XXXX However, I noticed that the amount hasnt changed for the past XXXX days. I called XXXX on XX/XX/XXXX and spoke to a representative who informed me that it takes XXXX business days for the transfer to be reflected in my available balance. This seems like an illegal delay, especially since its an account under the same company. I understand that external accounts may have different transfer times, but it appears that Amex is unnecessarily holding onto funds that should be immediately available. All other accounts I have with other banks allow for immediate transfers, either immediately or the next day, depending on their cut-off hours. Its surprising that a large bank like Amex cant manage its transfers correctly, while smaller banks can. I would like to have this issue investigated as it could potentially lead to significant problems. I should be able to transfer funds immediately and see them in my savings account without any delay.
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection XXXX XXXX XXXX XXXX XXXXXXXX Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/year> Open Since XX/XX/year> Ownership Individual Current Balance {$12000.00} Monthly Payment - Original Creditor XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed XXXX {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$6700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On Several occasions I've tried to handle this matter with TransUnion. I'm informing you that this matter is causing me financial hardship. For any such reason an appropriate legal and lawful response cant be provided will result to further action being taken. Failure to a response within 10 calendar days will constitute as your acceptance that this is not a valid debt. Please verify, validate that LEGALLY I am responsible for paying this alleged debt. A sample answer of " been verified '' doesnt constitute an appropriate lawful or legal response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding unauthorized inquiries on my credit report that were not removed despite a prior dispute letter submitted over 3 months ago and the submission of an FTC Identity Theft Report. These inquiries lack a permissible purpose under the FCRA, as no credit transactions, employment, insurance underwriting, legal orders, or other legitimate business needs exist to justify them. 
List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Since the creditors failed to provide verification, I formally request the immediate removal of these inquiries. Please confirm their deletion to ensure compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

They are still refusing to give military members SCRA benefits. They are refusing to correct my credit so it reflects that a payment was made of XXXX. They will not forgive one late payment as my sister passed away, I am an XXXX, and finishing my XXXX XXXX. This company needs to be shut down!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Utilization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XX/XX/2021 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No actual account numbers so this is violation Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( XXXX ) XXXX XXXX XXXX and the person ( YOU ) XXXX XXXX XXXX XXXX that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer which XXXX clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto loan No actual account numbers so this is violation Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$330.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$330.00} -This is not my account.
Product: Debt collection

Capital one has been consistently contacting me via email about late payment on this closed account, but on my credit report it shows some inaccuracy on the report as of the monthly payment it shows {$0.00} with a balance of {$930.00}. It shows past due for some months, and it shows unknown data for some months as well. Upon speaking with live representative on XX/XX/XXXX I was told this account was reported as charge off XX/XX/XXXX, but on my credit report it shows XX/XX/XXXX. Upon to my knowledge any inaccurate reporting information according to the FCRA this information must be removed from my credit report its falsified information. I requesting a validation of debt letter and was told they only send like an agreement letter once at the known address so my wish wasnt granted to receive this verified debt Im allegedly owed. As of XXXX XXXX through XXXX XXXX theres a late payment check visible but as of XXXX there is unknown status, as of XXXX it states XXXX there was a payment received then XXXX through XXXX no payment received then XXXX theres a payment received then XXXX XXXX XXXX no payment received. This is inaccurate information and I was denied a validation of debt letter I ask this information be removed from my credit report immediately. This is affecting my score and by law any inaccurate information must be removed.
Product: Debt collection

Judgement that I was unaware of was placed in the State of XXXX for a car repossessed in XXXX. I bought a home in XXXX of XXXX with a credit check done. Nothing was said about this judgement. XX/XX/XXXX I was served paperwork that I was being sued by a collection agency here in XXXX  XXXX  for that old debt. 
They have filed a affidavit with the county of XXXX XXXX  that I must pay the amount of {$4200.00}. I do not believe this debt office owns this debt and have improperly represented themselves has owning this debt. 
I also have had extensive XXXX XXXX  and and XXXX XXXX  with XXXX XXXX for my job and this judgement was never brought to my attention.
Product: Credit card or prepaid card

I have a Barclay 's Arrival Plus MasterCard that I pay an annual fee to earn travel dollars. I currently have over {$300.00} in travel dollars to redeem. Because of COVID, I am unable to redeem the miles for travel and they are due to expire soon. I contacted Barclay 's via telephone around the first of XXXX ( the gift cards were purchased on XX/XX/XXXX ) and asked the customer service representative if I could purchase travel gift cards with my travel miles. I was assured by the CSR that as long as the gift cards were purchased through the airline and showed up on my statement with the airline 's name that I could redeem my travel points. Now they are denying the redemption of my points. There should be a recording of our phone conversation and the CSR should have noted this conversation in my customer file. After calling them and recalling this situation, they responded with a letter denying the redemption of my travel rewards.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

During the period of XXXXXXXX I rented an apartment at XXXX XXXX and, due to the financial impact of COVID-19, I fell behind on rent. In XXXX, the State of Californias " Housing is Key '' Rent Relief Program paid XXXXXXXX XXXX  {$29000.00}, which fully covered all past due rent. According to the program 's terms, all fees associated with this rental debt were to be waived by XXXXXXXX XXXX 

Despite the debt being resolved, a collection was placed on my credit report by Kimball , Tirey & St. John LLP for {$4600.00}. This amount is inaccurate and invalid, as the debt was paid in full through the rent relief program, and any remaining balance should have been waived. I am requesting the removal of this false collection from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditor about the inquiry i receive on credit report, they looked in to the issue and saw that it was done fraudulent. They send me a letter stated that the inquiry should be remove out of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this collection account, and they agreed to cease collection efforts and report to the three collection agencies. However, this collection is still on my credit report, and it needs to be removed. The account is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct No. XXXX 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.

XXXX XXXX XXXX XXXX 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 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

I am writing to formally address an identity theft issue associated with my name and personal information. First and foremost, my first concern Is Reporting 15 U.S. Code 1681b - Permissible purposes of consumer reports that has resulted in identity theft through EQUIFAX DATA BREACH AND DARK WEB DATA BREACH. Per 15 U.S.Code 1681c ( 2 ) ( 3 ) and ( 4 ) your agency shall block the reporting information in my file no later than 4 business days after the date of receipt by such agency. To ensure the integrity of my credit report and to protect myself from further fraudulent activities, I request that you immediately remove any records or information related to this identity theft from my credit file. This includes, but is not limited to, any accounts or inquiries that were created because of the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX  AGENCY : XXXX XXXX XXXX bUSINESS TYPE : BANK CREDIT CARDS DATE OF INQUIRIY : XX/XX/2020 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion and blocking of an account from my credit report due to my status as a victim of a data breach, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Below, I have outlined the specific account that I believe is the result of this breach and should be removed from my credit report : Fraudulent Account : XXXX XXXX XXXX XXXX Account : XXXX Date : XX/XX/year> Amount : {$0.00}
Product: Credit card or prepaid card

Reli card/Us bank sent a card to my previous address. Due to me filling for unemployment compensation How ever the card Was stolen and use fraudulently. I sent all information and documentation to the contrary!! And they admitted to the mistake! And sent me a provisional credit for half of what was stolen.Over {$4000.00} was stolen from me! THEY made the decision to only return half. Please help totally robbed then victimised!
Product: Debt collection

I submitted lots of requests of the signature page of this debt because I do not recognize this debt. 
I did have a debt with XXXX XXXX before however, I paid that debt off! 
That is the reason I have requested this so many times. This debt is not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed all of these accounts. They should all be listed on my credit report PAID & CLOSED.Please have this updated. 

XXXX XXXX XXXX  Credit Card ( 2 different cards ) XXXX XXXX XXXX Credit Card ( 2 different cards ) XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my existing mortgage with a different company, and my original mortgage with Loan Depot was paid in full and closed on XX/XX/2021. As of XX/XX/2021, Loan Depot is still holding the funds in my escrow account which total over {$5000.00} dollars. Legally they have to return that money to me within 30 days - it has now been 50 days. 

Loan Depot claims they mailed me a check on XX/XX/2021. I never received it, and they have zero proof that actually sent a check. After escalating the issues multiple times, starting in XXXX, they finally agreed on XX/XX/2021 to cancel the supposed 'check ' that they mailed and wire me the funds. Since that date ( today is XX/XX/2021 ), Loan Dept has gone completely silent ; they will not answer my emails, and when I called their office it said they were closed due to unforeseen circumstances. 

I refuse to ever do business again with a company that will withhold {$5000.00} of someone's money in the middle of a pandemic. Had I made a single mortgage payment late, I would have late fees and other penalties. Their customer service reps, no matter how far you escalate, do not even pretend to care about you. There are plenty of better mortgage companies out there, I suggest you look elsewhere.
Product: Bank account or service

I am submitting a third complaint against Key Bank. I have had excessive over draft fees taken out of my checking account in the past several months. Though it 's difficult to decipher, It looks like I moved XXXX $ to my son 's Hassle Free Account which is connected to my basic checking and that this bounced my checking account though my account was not overdrawn at all until this showed up in the ledger this morning. I have attached the forms which shows that '' Items pad that overdrew your account '' XXXX I was not overdrawn. The ledger does not reflect at any time that my account was negative. The way that Key Bank manages their accounting is not ethical. There is a note that says that Pending Items are not subject to overdraft fees but they do affect available balance. The available balance on Key Bank Accounts needs to be accurate and up to date. Key Bank is notorious for this kind of unethical accounting. This makes XXXX overdrafts fees of XXXX that I have incurred since XXXX XXXX. That is excessive overdrafting. If the bank and the CFP_ look at my attached documentation, you can see that I use this account, I have direct deposits going into this account. The money flows are consistent. The only reason my account overdrafts is the way that Key Bank debits the account. Their methods for iincurring these fees are especially effective with folks like me whose accounts become very low between pay checks. Oh and there is one more thing that has happened to me. Not only am I being punished for Key Banks Magical Accounting Methods, but now when I want to make a deposit into my account, the tellers have to ask for an override to be able to deposit money into my account. They ask for an override and a manager has to come to the desk and allow them to deposit my money. So I am not only financially punished but I am infantalized and embarrassed in the process. All of these overdrafts and this infantalizing are causing me XXXX as I ca n't afford for this to happen over and over again. I also am taking valuable time out of my day to write these complaints which is affecting my ability to do my work.