23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from debt collection agent called " Capital Accounts '' and demand me to pay {$1100.00} debt from XXXX 's XXXX XXXX. I was shocked and called the debt agency the next day when they open the business. I have told the customer service that I did not own this money and thought it was resolved XXXX or three years ago. 

I did have an issue with XXXX with the payment. I have contacted them at least three times or more. I even walked into the XXXX office and the front desk lady said she could not discuss with me and I have to talk to the XXXX wife. So I left my cell phone number but never got responses. The only reponse is a bill statement that is getting more and more money shows on the bill and then I did not receive anything. 

When I and my kids visited the XXXX office, we have agreement to pay up front to the services they provides otherwise they refuse to provide the services. So my understanding is I have paid everything in full before any services and I do n't own any monney. The agreement is obvious that if I do n't pay they do n't provide services. In other words, If they provide services, I must pay them in full. I am not responsible for any extra charges later without my consent. This is against my will and they can not bait me for XXXX price and ask me for additionals later without my consent. It is unfair that they just send me bill and accumalate the debt and leave to the debt collection agency without my consent and without any proper steps and actively communicate to solve the issue with me.
Product: Debt collection

Drs is inaccurately reporting on my credit report that I owe a balance off {$2400.00}. I dont know this company nor have ever had any business with this company. This company does not have a contract with my signature on it and is a violation to be reporting inaccurately on my credit.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX {$850.00XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$620.00} XXXX XXXX XX/XX/XXXX {$5700.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$120.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

Company Name : XXXX XXXX - Account # XXXX Company Name : XXXX  XXXX - Account # XXXX Company Name : XXXX XXXX XXXX  - Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I review my credit report every month and noticed tat my credit score had decreased by XXXX points due to a " late payment '' on a CLOSED ACCOUNT that was paid off on XX/XX/2017. The company, XXXX XXXX XXXX XXXX has been permanently closed and being sued for fraud from thousands of consumers. My credit report shows a 30 day delinquent payment a XXXX balance due to XXXX XXXX so why was this reporting even allowed to be put on my credit report when it clearly stated that there was a XXXX balance on this CLOSED ACCOUNT? I want this fraudulent reporting off of my credit report immediately and my score to be returned to it's original score!!!!
Product: Credit reporting or other personal consumer reports

The following inquiry accounts below are on my credit report and they are all unauthorized. I repeat, THE PROVIDED INQUIRY ACCOUNTS ARE UNAUTHORIZED AND SHOULD BE REMOVED. PLEASE REMOVE THE FOLLOWING ACCOUNTS AS I HAVE NO KNOWLEDGE OF THEM AND UNAUTHORIZED INFORMATION SHOULD NOT BE PERMITTED ON MY CONSUMER CREDIT REPORT. Please remove the following unauthorized inquiries on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I was mailed an " IMPORTANT NOTICE '' ( all caps ) from PennyMac, my existing mortgate company. PennyMac 's letter indicated that they were " pleased to let [ me ] know about an important opportunity '' and that I could " refinance [ my ] VA loan into a new, lower rate through the VA Interest Rate Reduction Refinance Loan program. '' As my existing lender, they provided information on my loan number, my current monthly payment amount, what my new monthly payment amount could be as well as my monthly and annual savings. 

They also wrote that I didn't have to transfer and I could stay with PennyMac. 

They encouraged me to either call a number or visit a website to complete an application " NOW '' ( all caps ). I did that and submitted the application online to refinance my loan to lower my interest rate. 

PennyMac pulled a hard inquiry on my credit. They called me only to inform me that I was not eligible, not because I wasn't financially eligible, but because I had only had a loan since XXXX and needed a total of 210 days and wasn't eligible until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/2022 and a balance of {$810.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Collection account from XXXX XXXX  with account # XXXX and a balance of {$1400.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Credit reporting or other personal consumer reports

I've called these companies for a letter so that I my send to XXXX and I have yet to get one
Product: Credit card or prepaid card

USAA failed to put on their " home '' page of their website that they cater to military personnel and their families when it comes to applying for credit cards. I input my personal information on their website only to be informed that I was not eligible because I was not of military background. I spoke with a representative and requested that they disregard my information as I found their website misleading she stated they have to keep it. I told her the website needed to state on the " home '' page only military personnel and /or family members of military personnel are eligible to apply for a credit card. I want my information shredded and USAA to put on  their home page who is eligible to apply for a credit card.
Product: Credit card

On XXXX XXXX, XXXX, American Express attempted to complete an Auto Payment by withdrawing funds from my savings account at XXXX. The payment was rejected by my bank due to insufficient funds. I noticed the rejected payment the same day. I immediately attempted to rectify the situation by logging into the Amex app and associated the Auto Payment with a new account which had sufficient funds to pay the balance owed on the card. I then contacted Amex customer service via the chat feature on the app. I explained to the rep what had happened and the steps I had taken to rectify the situation by linking a new account. I then asked the representative if the actions I had taken were sufficient or if I needed to take additional action. The customer service rep indicated that the system should automatically attempt a new payment, but asked me to monitor the situation for the next 48-72 hours to be sure. When I checked back in I found that Amex had attempted to charge the old account again. I called Amex and asked them why they had charged the wrong account a second time. They indicated that the system will automatically attempt to charge the same account three times and there was nothing they could do to stop it. I emphasized to them that this was the second time I was contacting them to notify them that I no longer used the old account they were attempting to charge, that it did not have sufficient funds and that I was expressly revoking authorization for them to charge that account further. Amex informed me there is nothing they can do to stop the system from charging the old account and my only option was to wait until all the attempts were complete and then call back to arrange for a payment. Every time Amex attempts to charge the old account, they hit me with a {$29.00} Return Payment Fee and my bank charges me a {$32.00} overdraft service fee. Its outrageous that they refuse to use the new method of payment that I have provided while XXXX hit with multiple service fees.
Product: Vehicle loan or lease

Starting XX/XX/scrub>XXXX XXXX I have been making car loan payments. The original loan amount was {$25000.00} with an interest rate of 15.14 %. Actions done was continue paying for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened an account with us cellular which since went into collections. As of recently, the debt collector has been reporting the account as open, claiming it was opened on XX/XX/XXXX or around that date. I have been with XXXX XXXX since XXXX. 

I have disputed this account XXXX times as of today, XX/XX/XXXX, XXXX and XX/XX/XXXX. The debt collector is not easily reachable. They are illegally re-aging my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a car loan but was denied because of XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX that still appear on my credit report as paid late. The accounts were disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the accounts are being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible
Product: Credit card or prepaid card

On or about XX/XX/2022 Synchrony Bank was contacted about my lowes card, and I explained my situation of unemployment and no income due to being medically disqualified to continue my 25 year career by a federal agency. I requested auto pay option be stopped as well. I thought my card ( s ) and account would be suspended without penalties due to my situation ( best scenario for everyone involved I thought- my card had about a few hundred $ bal ). 40 years total of employment and credit building all down the tubes.Documentation was declined/refused and only response I received was " you still have to pay and on time if no penalties '' I reminded them of no income, and the response was " we have a payment plan '' Same as my former employer-punished and penalized for being sick.. I'm not asking for freebies, just a realistic amount of time ( up to social security etc ) ... not to be punished. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A ( multi-year old ) Ally XXXX  account reappeared on my banking website. This occurred XXXX  months ago, and I have called the company dozens of times in the hopes of a resolution. 

I have been escalated and transferred between 15 departments. Each area claiming the resolution is either on the way or being looked into. The latest update was a support ticket with their IT department which has not been seen/worked on by anyone for the last 3 and half weeks. 

I'm deeply concerned how a closed account was reopened without my acknowledgement/consent and the completely inaction of Ally XXXX to remedy the situation.
Product: Checking or savings account

Over a span of two months. We were slandered, discriminated and verbally assaulted about a {$200000.00} loan we received. The money was frozen which in turned caused us to become in debt with bills and finances. We were not allowed to access our money until one person said so. We would not take our calls nor speak with us. Credit cards and car payments went unpaid and my credit score and my fathers dropped drastically. We have never been provided with any form of apologies or reasons behind the freeze. We are seeking financial assistance in the settlement as well. Do to the neglect that was displayed by staff members that we trusted with our savings.
Product: Credit reporting or other personal consumer reports

i received a copy of my credit report and i noticed some accounts on my credit file that never applied for and never used these accounts are fraud and needs to be removed from my account below are listed the abode referenced accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Im fed up with the chase dispute department. They have customer service reps from abroad with no knowledge or listen. I filed a dispute with an XXXX pick up order and they reversed my claim. I feel these big companies scam and work together. I have pics of the unopened plates left in my caged mail office section. Chase reversed the charge back on my account when the item was returned XX/XX/XXXX. 
XXXX has the nerve to say it was not scanned in and return like I have time to lift 3 heavy plates sets put them in the mail room and take pictures Im furious. 
The other dispute Chase cancelled again XXXX ads another big company. Saying I dont have an invoice proof. I paid for a promotion. XX/XX/XXXX buy {$500.00} receive {$500.00} free promotion. XXXX rep did not keep the appointment and I did not know how to pause it. I emailed XXXX and I was ignored and charged in the meantime over {$250.00}. No one cares. Now XXXX said to dispute with Chase when I escalated with XXXX. Im fed up. I attached the email proof I said to call me to stop the guy emails 3 weeks later did not show up and I thought it was paused. How is this my fault when I email I dont want to be charged more. 
They do this on purpose to older people not savy with the computer. 
I attached the billing statement {$500.00} promo. You can see in my account chase they immediately started taking money out multiple times not my authorization it was supposed to be once a month dont go over {$500.00}. Stop at {$500.00}. {$270.00} then they charged me {$560.00}. 

I have a dispute now with proofserve not receiving a service process. I just filed the dispute with chase and hopefully someone can make sure it goes through. When I purchased it no where explains any terms click here or agree. Its simple says 4 attempts to deliver. They said my address is wrong but the server had the address the correct one but they go to the wrong one and want to charge me twice. I refused so they cancelled my order sent a non service and kept my {$95.00}. I thought I was buying something that said 4 attempts. Its the same order! Please have Chase give me back my money. This is the last draw and dispute. Im going to close this account maybe I already started putting other Deposits in my other bank and using it more. Im tired of fighting to fix wrong charges from these big companies. The banks are covering up for them XXXX is not my phone my account has my info
Product: Credit reporting or other personal consumer reports

Cavalry Portfolio Service has reported an account on my consumer report that I have no knowledge of.I reach out to the company to remove the inaccurate accounts or show proof of debt validity. The company listed have failed to do so, this company is a third party agency trying to collect on a debt I am not liable for. I do not owe or have a contract with Cavalry Portfolio Service. This is a violation to my privacy and consumer rights under the Fair Credit Reporting Act.
Product: Prepaid card

XX/XX/XXXX : Opened claim with BofA for unauthorized debits to my card in the amount of {$3800.00} and was told " A provisional credit will be applied to your account within 24-48 hours because I have marked the claim as 'hardship ' ''. 
XX/XX/XXXX : BofA did NOT complete claim investigation by this date. 
XX/XX/XXXX : Provisional credit for claim amount was NOT applied as required by the Prepaid Rule pursuant to Regulation E. 
XX/XX/XXXX : Contacted BofA Claims Dept and was told " Claim is still pending.. Regulation E doesn't apply to prepaid accounts with Bank of America.. No letter was sent to you.. You can continue to call for updates if you wish. ". 
XX/XX/XXXX : Claims Supervisor filed internal complaint with BofA stating " Provisional funds were NOT deposited to accountholder 's card account as required by the Prepaid Rule. ". 

To date, I have NOT been contacted by Bank of America regarding this claim as required. 

To date, I have NOT received a letter acknowledging the claim as required, but only an email on XX/XX/XXXX acknowledging the claim with dates and amounts listed, however, there is NO claim number provided in the email as required. 

To date, I have NOT received a provisional credit for this claim as required. 

It must be here stated that Bank of America previously denied a different claim from XXXX nearly XXXX times over a XXXX year period. Bank of America made many false statements regarding me and the claim itself to the CFPB as documented. Then in XX/XX/XXXX Bank of America finally resolved that claim in my favor as they should have in XX/XX/XXXX but instead insisted on making false statements and resorting to fraud in order to get out of paying the claim. All of this is documented under a previous complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX DOB XX/XX/XXXX SS # XXXX Dated : XX/XX/XXXX RE : Account Number XXXX To Whom It May Concern, On or about XXXX of XXXX, someone applied for student loan using my personal information from XXXX XXXX XXXX, XXXX. I have since requested validation for the loan and so far have received none. XXXX XXXX XXXX, then sold the loan to Launch Services, LLC, who place the loan amount of {$2500.00} on my credit report. Since Launch Services, LLC placed the unauthorized debt on my credit file, my credit have fell below XXXX. I have requested for validation of the loan. I am requesting copies of Identification, Social Security card and Copies of documents with my signatures attached. 
Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Also, a debt collector must also prove they have a legal right to collect the debt. 

This matter needs to get resolve immediately.