23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I opened a secured credit card with the Bank of America few years ago, deposited {$500.00} dollars. I was unhappy with the bank 's policy, terms and conditions, even though I had excellent payment activity. I asked to close my credit card account and mail me my full refund in the amount of {$500.00} dollars. The Bank of America failed to comply with my request, refused to close my account and illegaly held my security deposit, never issued a full refund. As the time went by, my account was not closed by the bank, moreover, theyr added up negative fees and falsely reported my account as negative/charge off since 2017. My credit history was seriously impacted by this negative and false reporting. My full refund is still past overdue and owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding unauthorized inquires to TransUnion. As of today 54 days later I have not received a response as far as removing the inquires all other bureaus have removed these unauthorized inquires from my consumer report and I feel as I'm being taking advantage of and ignored. Section 611 ( a ), it is plainly stated that a failure to investigate these items within a 30 days gives a reason to immediately remove those items from my credit report it has been 54 days so they should be deleted immediately. I demand that these unauthorized inquires be removed or I will file for litigation for misleading false reporting which is a a FDCPA Section 807 violation.
Product: Debt collection

Jefferson capital has 1 accounts currently listed on my consumer report which is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in federal court for trying to collect on a debt that I do not owe them. I have never contracted with this company and demand that they provide proof that I signed a contract with them and agreed to pay them any money for the alleged debt. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since they will not be able to prove that I owe them any money, I demand these accounts be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : Acct # XXXX
Product: Credit reporting or other personal consumer reports

These accounts are being reported on credit. I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. 15 US CODE 1681e ( b ) - Compliance Procedures Maximum Possible Accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 US CODE 1681e ( b ) - Compliance Procedures Maximum Possible Accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US CODE 1681e ( b ) - Compliance Procedures Maximum Possible Accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US CODE 1681e ( b ) - Compliance Procedures Maximum Possible Accuracy XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 



5. 15 US CODE 1681e ( b ) - Compliance Procedures Maximum Possible Accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

My name is XXXX XXXX not XXXX XXXX. When I called for the third time " XXXX XXXX XXXX XXXX  '' to dispute this false allegations made. I said I have full medical benefits I pay nothing out of pocket, so if this was me in Florida I wouldn't have a bill. She said to me, We all ready charged your insurance!!! They charged my insurance on a false identity, I have notified these people 3 times that this is Fraudulent. Then ask me to pay them the remainder. I am a single Mom working full time in XXXX. I don't live in Florida. This is not me. They keep calling and sending mail. She asked me for money when she knows the account is fraudulent and that they already charged it to my insurance. 

Thank you for your time : )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX ChexSystems, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX RE : Request to Opt Out of ChexSystems Consumer Marketing Programs To Whom It May Concern : I am writing to formally request that my personal information be removed from all ChexSystems marketing lists and programs. This letter serves as my official opt-out request pursuant to the Fair Credit Reporting Act ( FCRA ).

Please remove my name and all information associated with me from : All pre-screened offer programs All affiliate sharing programs All direct marketing lists Any other marketing or promotional programs you maintain My identifying information is as follows : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, LA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX
Product: Debt collection

I received a message last on XX/XX/XXXXor XXXX of 2017 and could not understand what the woman was saying, but it sounded very serious, so I did what I could to call back. I finally got through after five repeated tries, without being able to leave a message and spoke with a woman named XXXX XXXX XXXX. She explained to me that her law firm was going to sue me if I did n't pay almost 800 dollars from over 10 years ago. I explained to her that it 's been way too long, and that there 's no way I owe that much. It was from when I was XXXX and opened up a Wells Fargo checking account. I got hit with some overdraft fees that I could n't pay, so the account closed and went to collections. Scared that I was going to be sued, before reading about the NFCPA  and all my rights, I reluctantly agreed over the phone to set up a payment plan that was completely unreasonable at XXXX dollars every two weeks. She urged me to sign the documents they emailed right away, which I did not. I tried to call back but could n't get through until the following Monday when I realized they went ahead and charged my bank the first XXXX dollars even though I never signed and planned to arrange another way of dealing with this. The company is XXXX XXXX XXXX and I was billed through XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 1 month to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 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, credit repair services, or other personal consumer reports

I was a victim of Fraud, I expressed this to XXXX XXXX XXXX. No investigation was conducted and my account was sent to Chex systems for {$120.00}.
Product: Mortgage

Planethome lending did not pay my escrowed taxes on time and forced me to pay the late fees of {$200.00}. 

As an XXXX XXXX military member living XXXX  I have XXXX rental property back in the United States. I was previously with XXXX XXXX after I realized my mortgage was sold to Planethome lending around XXXX XXXX XXXX 

Around XXXX XXXX XXXX  I get a mailed notice from my local county tax office saying the taxes are delinquent, the deadline is XX/XX/XXXX or my house will go into tax sale. I call Planethome tax department and they inform me the taxes were paid. Planethome lending paid the first installment not the second installment. They informed me to send in documentation on their online web portal to justify my case. Well they say a formal response will be issued with in XXXX  days. At that time I did not have XXXX  days to wait around and maybe get the correct response so I paid the bill and excess myself to prevent any litigation or my home going into tax sale. Low and behold Planethome lending paid the same bill minus the late fees a couple of weeks later.

After uploading all documentation on multiple occasions and emailing it to their customer service, today I get a letter saying my tax bill was revised to due an exemption and therefore is the customers responsibility, they are unable to refund the late fees/penalty.

1. First off my exemption status for the year XXXX did not change. Illinois pays property taxes for the previous year. 
2. All the tax bills from the entire county were due at the same dates. Planet home lending paid the bill late.

3. I have rented out homes for XXXX years using mortgage companies and escrow and never once have I paid the taxes out of my pocket.

4. If the taxes were my responsibility why did Planethome make any of the payments at all?

5. If planethome was not going to pay my taxes they should of communicated this to me beforehand and not collected taxes in my mortgage payment. Couldn't they have communicated to me prior to this happening?
Product: Credit reporting, credit repair services, or other personal consumer reports

The end of XX/XX/2019 I called to make arrangements on my Paypal account. I decided to pay instead of doing a payment plan I made the normal payment. At this time the rep informed me that on the payment plan the payments would be late and reported 30 days. Although at the time I was not over 30 days I had surely paid this account after 30 days in the past as it was not being reported to my credit. My issue is that prior to Paypal changing hands I was not properly notified of the change from a non credit reporting account to a now credit reporting account. It appears that the new company I believe called Syncv/PPC brought account history from before they were actually reporting, If I had been notified that the payments would impact my credit I would have ensured the min Pay was made to avoid 30 day reporting. I have had a paypal account for many years, so when I saw in XX/XX/XXXX I was being reported starting back around XX/XX/XXXX and had not been notified I was upset. I called the company and they advised me to do a dispute and then did not fix my issue, or follow up with me. I spoke to the supervisor who was very nonchalant. I would like a copy of the information that was sent out regarding the change in credit reporting. Also if they started reporting in XX/XX/XXXX why are they backdating to XX/XX/XXXX when that is not how it worked in the past. Also This reports as a credit card ad I believe it is a line of credit..
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
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Product: Credit card or prepaid card

I made the payment on time and by due date on the BOA account. I paid by check in XX/XX/2023. There should be no " late '' notations, or any fees on my account. I paid {$4.00} back last month ( XX/XX/2023 ).
Product: Credit reporting or other personal consumer reports

Hello this is XXXX XXXX XXXX My mother has a statement to explain for this tragedy against me " Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Alleged Violations of the Fair Credit Reporting Act ( FCRA ) Related to XXXX XXXX XXXX and XXXX XXXX XXXX Accounts XXXX This letter is written in furtherance of the Consumer Financial Protection Bureau ( CFPB ) complaint process. 


Dear XXXX XXXX Customer Service, I am XXXX XXXX, am writing to bring to your immediate attention several alleged violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) related to my account with XXXX XXXX and my sons Authorized User Status. As you are aware, I am the primary holder of the XXXX XXXX XXXX Credit Card Account, and my son XXXX XXXX XXXX, is an Authorized User on the Account. However. Despite my repeated requests dating back to XX/XX/year>, your institution has failed to report any information about this account to any of the three major consumer reporting agencies XXXX. EQUIFAX XXXX XXXX on my sons credit report, in violation of Section 1681b of the FCRA. This failure to report accurate information is a clear violation of the FCRA. As a result of your institutions wrongful acts, my sons credit score has been unfairly impacted by your error, and he has suffered damage to his creditworthiness. 

Furthermore, my son XXXX XXXX XXXX has specifically requested to be added back as an Authorized User on his own credit report, which your institution has failed to do despite his repeated request. Pursuant to Section 1681m of the FCRA, we demand that XXXX XXXX immediately add my son back as an Authorized user and report information about this account to all three credit bureaus. Failure to respond to my request will allow for me a lawsuit against your agency and I will definitely report you to the XXXX XXXX XXXX. Please add - XXXX XXXX XXXX back onto credit report, XXXX XXXX removed him by error. I am asking for {$1000.00} fine for each day when you fail to comply to my request. This is urgent and I will be glad to hear from you after reading this request from XXXX XXXX XXXX. 

Sincerely, XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.
Product: Money transfer, virtual currency, or money service

This is for the company : Zelle XX/XX/XXXX the transaction happened, and XXXX XXXX was notified and denied to reimburse me even though I have the Zelle persons information etc. I am not satisfied that I do not get reimbursed while the scammer goes unpunished. 

This person on XXXX XXXX XXXX, who had the name XXXX said he has XXXX tickets to outside lands, but would need me to transfer the money to his friend on Zelle. After transfering, I wanted the confirmation and he said the ticket office would email. They never emailed. I tried to write XXXX and call many times on his XXXX, no response. Then his profile disappeared with a new name XXXX, and the Zelle person I transferred money to deactivated their account! Because I have the Zelles persons email I wrote them and they pretending it is not them even though it is EXACT EMAIL. I demand I get reimbursed and they get punished! {$210.00} is a lot of money! Zelle and the banks are being not acceptable If you also need the email convos of the Zelle person who is pretending it was not them, let me know. This is completely insane
Product: Debt collection

Collection was placed on my credit report i dont know who the company is, i never live at this address or apply for anything.. This account needs to be removed..
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XX/XX/XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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: Student loan

XXXX XXXX has committed fraud, predatory lending, and has ripped me and XXXX other young students off. XXXX XXXX has completely ruined my financial futures with lies and deceit. They pulled the XXXX degree program out of the school after I had already started attending to obtain my XXXX XXXX degree. Then they placed me into a different XXXX degree program without ever having the proper prerequisite courses to prepare me for the XXXX program. They have completely set me up for failure and have lied to me every step of the way. My campus in XXXX XXXX, FL is now closed down and I have absolutely no recourse. I have been paying these fraudulent loans for close to 10 years and I still have a long way to go. Everything they have promised me has been a complete lie and I am seeing absolutely no benefits from attending this school. I had to do many months of research to find out where these loans even come from and who is backing them. USA Funds Inc are backing these fraudulent loans and they have done everything they can to hide this fact. The Department of Education has given XXXX us, who have filled out Defense to Repayment applications, the complete run-around and are trying to sweep us under the rug. They are profiteering on the hopes and dreams of young people and are crushing them with unmanageable debt. XXXX XXXX is a complete scam and if you do a simple XXXX search of XXXX XXXX you will see thousands upon thousands of negative opinions of the school and the myriad of lawsuits filed against them from attorney 's general, The SEC, The CFPB and many others. These toxic, fraudulent and predatory loans are backed by USA Funds , Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018. My third dispute letter was sent XX/XX/2018. My fourth dispute letter was sent XX/XX/2018. 

Experian continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or contract bearing my signature. 

Experian has not provided this consumer with the information of Who verified these accounts and HOW these accounts were verified by virtue of documentation containing my signature binding me to these negative accounts. 

Experian is now in violation of the FCRA and continues to be in noncompliance.