23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 I filed a written demand ( USPS Certified mail # XXXX XXXX XXXX XXXX XXXX ) for Validation of Debt with Landmark Accounts Inc. a debt purchaser in XXXX, IN for an negative collection account they placed on my consumer credit files with XXXX , XXXX, XXXX   and others. 

I requested legal validation and documents showing bearing my signature that makes me liable for this account. 

It has been more than 30 days and Landmark Accounts Inc. has refused to validate the debt and continues to report the debt as valid to the credit bureaus. I am requesting your assistance in getting this debt validated or removed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settle with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Apartment Lease and Collection Account To whom it may concern : I am writing to dispute a fraudulent account reported by XXXX, XXXX XXXX XXXX  XXXX on my Equifax and XXXX credit reports. This account is related to an apartment lease at XXXX XXXX XXXX XXXX XXXX, which I never signed, authorized, or rented. 

I have always lived in XXXX XXXX XXXX and currently own a home in XXXX XXXX, CA. I have never had any relationship with this apartment complex or its associated entities. 

This fraudulent activity is a result of identity theft, which has compromised my personal and credit information. Additionally, my personal data may have been exposed in the Equifax data breach and the XXXX XXXX XXXX XXXX XXXX breach, making me a victim of potential misuse of my sensitive information. 

Under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you investigate this matter thoroughly and remove this inaccurate information from my credit reports. To support my dispute, I am providing : A copy of my FTC Identity Theft Affidavit A copy of the police report related to this identity theft Copies of my government-issued ID and Social Security card Please investigate this matter promptly and confirm the removal of the fraudulent account. I expect written confirmation of your findings and updated credit reports reflecting the correction. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I reviewed my credit report through XXXX. I noticed that there was an account in " Collection '' status and I wrote a letter to XXXX and XXXX disputing the alleged account stating that it was not my account. XXXX never responded and XXXX did so with a letter dated XX/XX/XXXX. I also received a letter from Cavalry dated XX/XX/XXXX, with attached documentation stating that the account disputed through the credit bureaus was mine and the information was accurate. 

I then wrote a letter to Cavalry, dated XX/XX/XXXX, explaining what I had submitted to the credit bureaus and now asking them for the same information to VALIDATE the account that was placed on my credit file. On XX/XX/XXXX I received a response from Cavalry acknowledging my letter but not providing the requested documentation to show me PROOF and VALIDATION that the account being disputed belong to me. I then sent another letter to Cavalry on XX/XX/XXXX explaining that they had not sent me the required documentation and that I have the rights to dispute and obtain information of a debt that they say I owe to them. I received another response letter from Cavalry on XX/XX/XXXX maintaining their position that this account belongs to me and that the information they have reported the credit bureaus is accurate. They have failed on two occasions to provide me with the documentation to VALIDATE this account. 

I am asking for your help now to mandate this creditor to either submit the requested documentation or remove the " Collection ''  account off of my credit file with both XXXX and XXXX. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my wife are both frontline workers, I am a XXXX XXXX and she is a XXXX XXXX. 
We work at XXXX in XXXX, during the entire pandemic we were both overwhelmed doing over 70 plus hours per week. 
We had an oversight on our mortgage payment too chase bank and did not realize we had missed a payment during the month of XXXX. 
As soon as we were notified that a payment was beyond 30 days past due, the amount was Paid Prior too this one missed payment we had never had an issue paying on time and both of us had retained a perfect credit score and overall credit history. 
I have made several attempts to reach of too JPMC and have even try to submit a goodwill letter at a local branch.

I have received negative response from both JPMC and the 3 major credit recording bureau.

The impact of single isolated incident has severely effected the financial security of me and my family.
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. 

XXXX XXXX XXXX XXXX XXXXXXXX, 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: Vehicle loan or lease

I tried to pay off my loan with BMO. The amount still owed was XXXX was sent to them on XX/XX/XXXX. My bank said it was clearly written out for that amount but they requested from my bank XXXX. My bank said to call the company and let them know they made a mistake and they would send back with insufficient funds. I did this. The first woman I spoke to said that it was obvious that someone mistook a 1 for a 4, and that they would take care of it, and if it did not get taken care of before the next payment was due there would be no late fees. I waited until today ( XX/XX/2023 ) to let them fix their mistake, but had heard nothing. I called on 3 different occasions today and was hung up on 3 different times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act acct # XXXX XXXX XX/XX/XXXX, XXXX XXXXc XX/XX/XXXX, XXXX acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct XXXX XXXX XX/XX/XXXX has violated my rights. 

15 u.s.c 1681 Section 2 states a consumer reporting agency can not furnish a account without written instructions.
Product: Checking or savings account

I went into a Bank of America branch in XXXX XXXX, SC on Tuesday, XX/XX/XXXX, in attempt to open up a checking account and minor savings account. I was informed then that there were an outstanding balance owed, but was still allowed to proceed with the account opening, with the hopes of resolving the issue ( s ) at hand with the debts owed. I contacted the Recovery Department and spoke with a representative, and asked about the debt owed because I wasnt aware of it. She then proceeded to inform me that there were two accounts owed monies for, one being in XXXX XXXX 13 years old ) and the other being XXXX ( 7 years old ). I explained that the account in XXXX was opened at a young age and under misleading and misguided information, and the one opened in XXXX I wasnt aware that a debt was owed on it. I asked if those balances could be written off being that they were/are so old, she told me, I then asked for a manager who was very rude, and wasn't helpful at all. So, I called back today speaking with another manager. I asked the same if the balances could be written off or a settlement could be offered, and again was told no. Im not understanding the reasons behind with getting these two balances written off, as I was advised by the branch manager at the branch that I visited that thats something Bank of America could do and being told No by two others are misleading and misguiding. I would love to bank with BOA again, however ; I think I should be able to get those balances written off and/or offered a settlement being that they are well past statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to have my name and social security number corrected on my Equifax credit report. The company is completely disregarding my my disputed information. I have forwarded a copy of my driver 's license, social security card, and utility. I wad sent a response to my dispute on XX/XX/2023 and the name above my address is clearly not my name and I have provided multiple documents to verify my identity. I would like the record to show that my accurate Name is XXXX XXXX. I do not go by any other name or alias. The incorrect name of XXXX XXXX is on my credit report dispute. I am NOT XXXX XXXX. I am requesting this name be removed from my credit report immediately.
Product: Credit card

The general interest on my card when actually applied equates to roughly 10 % higher than the posted rate on my card and seems to vary based on amount paid. To clarify not the amount of interest but the actual interest percentage seems to vary. 

I have reached out numerous times and nobody seems competent to even understand the issue or prepared to listen to the problem. All I get are promises that the interest is correct with no actual math or material facts to back it up. The highest level of management I can even speak to doesnt even seem capable of listening to any question I ask. 

I have provided them screen shots of their own app as well as all the math I have done for them to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, over 30 days ago but I still haven't gotten any update about the status as yet. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if do not I receive the correct response.
Product: Credit reporting or other personal consumer reports

Midland Credit Management stating balance of {$2200.00} Stating account open which is not true Stating as collection account Inaccurate information being reported Midland Credit management also stating different account of {$650.00} Also stating account open which is not true Stating as collection account Inaccurate information being reported
Product: Credit card

Amazon credit card, Synchrony Bank, will not allow access to previous statements online unless you subscribe to paperless statements. Also, Amazon credit card, Synchrony Bank, does not allow access to third party bill aggregatowr such as File This unless one subscribes to online, paperless, statements. I would love to move to a paperless model but I fear, without commitments from the credit card companies, this will be more of a burden for me then the card issuing institutions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING IN REGARDS TO THE DISPUTES I SENT OVER 30 DAYS AGO THAT I HAVENT GOTTEN A RESPONSE BACK FROM EXPERIAN AND THATS A VIOLATION OF THE FCRA, THESE ARE A RESULET OF Identity theft AND I WANT THEM REMOVED ASAP ACCORDING TO 15 USC 1681c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX  & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct this account : XXXX XXXX  XXXX
Product: Credit card or prepaid card

I found out by surprise from a XXXX credit report that my Discover card was closed. I contacted their customer service and they claim they contacted me by XXXX XXXX XXXX XXXXXX/XX/2022 that I needed to use the card within a month or so or it would be cancelled. In reality, I never received this letter. I have a daily digest of incoming mail with photos from the XXXX and I checked and no correspondence from Discover was ever received. I believe they XXXX be telling people that these letters were sent when in fact they are not. I brought this up with their online customer service and was not given any sort of reasonable explanation. I have a copy of this transcript from Discover customer service if you want it.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX {$12000.00} : DATE OF SERVICE : XX/XX/XXXX. 
PROVIDER OF SERVICE : XXXXXXXX XXXX  To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C 1681i, every single one even each, any or all unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide standards according to regulations.

The FOLLOWING derogatory accounts allegations are either, UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW. The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : XXXXXXXX XXXX ACCOUNT # : XXXX By the provision of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit card or prepaid card

Contacted CapitalOne on XX/XX/20 to advise of fraudulent activity from an XXXX XXXX XXXX  in XXXX, XXXX in the amount of {$350.00}. I did not authorized a charge from this company. I did not order goods or services from this company. I haven't even traveled outside the U.S. in over 15 years. I have not had a valid passport for at least 10 years. It is not possible for me to have purchased from this company. Many sources online advise this is a scam company. CapitalOne confirmed on recorded call occurring XX/XX/20 that the company 's website DOES NOT EXIST but that CapitalOne will be holding me accountable for fraudulent charges.
Product: Money transfer, virtual currency, or money service

In XXXX I reported identity theft to XXXX and all my banks and closed all my credit cards as documented at the XXXX. I have identity theft filed with the FTC and confirmed by the office of comptroller for currency USA. I reported this to chase bank along with numerous other issues. They were supposed to close all bank accounts/ cards/ digital wallets / XXXX  accounts. I continue to ask Jpmorgan chase for production of documents and again faxed my requests last week Regarding fraud loans each {$18.00} k from trustees XXXX XXXX/ XXXX  XXXX/ XXXX XXXX XXXX XXXX missing monies transferred from bank XXXX XXXX XXXX XXXX as documented on XXXX XXXX XXXX XXXX. 
I am addressing one issue at a time. 
Chase bank account XXXX deducted {$5900.00} plus dollars from a # XXXX XXXX bank account some unknown entity set up in my name of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia ( I have never lived at that address. ) Chase bank assured me all accounts in my name would be closed early XXXX. 
The chase bank account opened fraudulently in XXXX was closed as per my knowledge. The other account fraudulently opened in XXXX remained opened without my permission or consent. Attached are the account numbers and transaction of {$5900.00} after all accounts in my name were closed as per XXXX and chase bank. I want jp Morgan chase bank to produce all documents regarding these accounts to me at their earliest convenience make available certified letter to me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fax plus
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was XXXX and is now XXXX because there has been a charge to my card of {$1800.00} on XX/XX/2021 and XX/XX/2021 for same amount, both reported by XXXX XXXX and was notified by XXXX on my XXXX XXXX account. I will only use my card for food/fuel and other small miscellaneous items. Havent traveled to TN in months or even use my card there where XXXX XXXX is located.
Product: Debt collection

1. Sold home in XXXX 2. never received electric bill ( even though electric co. says bill was not returned ) XXXX. electric co. sends bill to collections 4. collection co. states it attempted to call me but does not leave messages ( I do not answer phone from unrecognized numbers ) 5. collections co. states it sent me a notice ( I did not receive any invoices/bills ) 6. collection co. admits to sending amount owed/invoice to wrong address but that they resolved and sent to correct address ( never received ) 7. I contact electric co. and pay outstanding bill for {$120.00} when notified by XXXX of an issue 8. I am notified by collection co. debt owed is {$320.00} which I pay ( disparity? ) 9. My personal credit history is of NEVER having been late on payments 10. credit score nose dives from XXXX to XXXX over {$120.00}????????????????
Product: Debt collection

This company has been calling my cell number and home number for at least one year or more. When I answer the phone, I am unable to understand ANY of the representatives who I am talking to. All of the people who Ive spoken with do not speak CLEAR XXXX. It is very difficult to understand their words. When Ive asked to speak to a supervisor, they just hang up, every time! This last time today at about XXXX I called a number I found on XXXX for this company. I am concerned that they are not legitimate and just scammers of some kind.i told the person who answered if she did not get someone who could speak clear XXXX AND clearly identify the company name and address, I was going to file a complaint with The Consumer Financial Protection Services. She asked if I was a person named XXXX XXXX. I said no and she said they would stop calling. They have been calling XXXX, XXXX and XXXX. I doubt they will comply. I have repeated told them to stop calling, blocked every number they use to call me. By the way, through all the calls they have made to me, only the last person I spoke to asked if I was XXXX XXXX, who they were trying to reach.