23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXXL XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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: Checking or savings account

On XX/XX/2022 Chase decided to close my account, I was very confused on the why. They didnt provide me with any explanation when I called them and even though I explained to them that my personal information was stolen and I had to file a federal complaint because not only this account was used for fraud but two more of my accounts which were XXXX XXXXXXXX and Bank XXXX XXXX and they both also decided to close the accounts. I just didnt find it fair that for something that happened to me they closed the accounts and didnt even speak to me about it and when I tried to explain they just ignored me and said that I wont be able to open back an account. I was a chase customer for about 3 years so I hope that this gets sorted out
Product: Debt collection

XXXX XXXX XXXX has called me twice. 

Background : Im working with a company who settles debt. I signed up with them in 2019. My credit keeps jumping every month after taken a big dive in 2019. 

The debt they are trying to collect is a debt was sent to me via another credit collections agency, asking me to settle the debt for XXXX dollars. I sent that collection notice over to the company Im working with and they handled it being as the debt is showing on my credit report as settled. 

Not only is midland credit management trying to collect the debt for the settlement of XXXX dollars, they also threatened me by saying they have lawyers in my area willing to take action. They lied to me about not working with my current debt consolidation company, which they do because they have settled an XXXX account that I had, Once again this is showing as settled on my credit report. 

I also contacted my credit consolidation company about the matter and they stated that the debt has been settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted documentation to Lexis Nexis, XXXX, XXXX and XXXX indicating that there is a bankruptcy listed on my credit report ( s ) for which is inaccurate. Ive contacted the court for which they have claimed to receive documentation from who denies any information pertaining to a bankruptcy under my name is accurate. This documentation was submitted to the credit bureaus and lexis nexis. Ive tried disputing the bankruptcy numerous times for which they have failed to remove it and now I shall take legal action.
Product: Mortgage

I and my co-borrower have recently canceled our purchase of the property at XXXX XXXX XXXX CA, due to bad communication practices and a botched loan process from our loan officer XXXX. Now we also are dealing with the bully tactics from the seller Realtor/broker XXXX who is trying to take our {$10000.00} Escrow monies that are protected by a Contingency. These XXXX characters need to be investigated and reprimanded. Also, the seller Realtor/broker XXXX had his license suspended last year XX/XX/2015!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid in full and its still still 3 months later I need the balance updated. Thanks
Product: Checking or savings account

Hi there refusing to open a account with me there I'm XXXX ca n't drive because I have a XXXX XXXX order so why can't I open a account with them
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX  XXXX
Product: Credit card or prepaid card

Each month when my bill is due, for the past three months Ive logged on to Capital Ones mobile application and the AP does not allow me to pay my bill. Ive logged in to the website after and experienced the same issue. Im then charged a late fee of {$38.00}. Not only has this happened but what has also occurred is I forgot to log back in and missed a payment. Ive called and been on hold for a long period of time before even being able to speak to someone. Capital One is using people with lower socioeconomic standing to pay fees across the country in this way.
Product: Checking or savings account

On XX/XX/2020 I mistakenly allowed thieves, representing themselves as employees of XXXX, remote access to my computer to fix a problem with authorization to XXXX XXXX. They used this access to instead enter online banking and steal {$1000.00} from my Fifth Third Bank account. I discovered what was happening and shut down the screen sharing they were using and contacted Fifth Third immediately. I worked with XXXX XXXX XXXX XXXX ) at the XXXX IL branch to file a Dispute ( XXXX ) on the same day as the theft. The Disputes Resolution Department at Fifth Third ( XXXX XXXX XXXX, MD XXXX, XXXX, OH XXXX, XXXX ) has denied my Dispute 3 separate times as I continued to complain. They consider the theft a " Valid Transaction '' though I am bewildered by this conclusion.
Product: Debt collection

On   XXXX   XXXX  , 2017, I received two letters in the mail from a debt collection called AFFILIATED ASSET SOLUTIONS, LLC about a medial debt was paid in full. In the letter sent from Affiliate it states that the current creditor is Pendrick Capital Partners. I have never had any debt with the said Creditor past or previous.. Also, the letter states that the original creditor is   XXXX   XXXX   XXXX   XXXX   .. I am sending documentation from the   XXXX   XXXX   XXXX   that I was mailed from there home office in  XXXX , TX which shows a  XXXX  dollar balance for the alleged debt. Also, I have checked the MS Secretary of State and Pendrick Capital Partners are do not hold a license to collect on any debt in the State of MS . I have included the original copies of the letters sent from the alleged collector which clearly the information listed in the letter ids a violation of my HIPPA rights.. My name, date of service, and where I had serves rendered were included on the letter which this information could have gotten into the wrong hands of a consumer which could have lead to id theft from my personal information being included in a debt collection agency.. I have never had any services from the company or the affiliated asset solutions llc.
Product: Student loan

In XXXX XXXX XXXX  I called Mohela my fed loan servicer to inquire about a mailer I received from them saying they may have better repayment programs. I asked if I was in the best repayment plan. The person on the phone changed my program to a " Graduated '' program as he said that was better for me. It is not better. It is twice the amount and apparently does not count toward Public Service loan forgiveness which my previous IDR plan counted for. They are now refusing to resolve this. I have called multiple times and filed multiple complaints including with the Fedaid.gov. No response. The one agent I was only ever to get a hold of since this mishap in XXXX was in XXXX of this year. According to the agent in XXXX, she confirmed there was never a new form completed by me authorizing them to change me to a " Graduated '' plan. said she filed a complaint for me, placed a forbearance on my account for XXXX months while this was resolved, and suggested I submit new IDR paperwork. I did though they do not acknowledge receiving this. The only thing I have received from them since then is a new bill saying they are going back to taking the wrong amount from the wrong plan ( {$510.00} ) in XXXX. 

I had made many calls prior to each of these payments coming out ( after receiving the new amount on the paper bill ) again the call volume was incredibly high. The recording said, " If you are receiving bills ignore them we are working with the federal government to work this out. '' I did and they proceeded to take the money out of my account anyway.
Product: Debt collection

Dear Sequium Asset Solutions ; There are XXXX accounts that i'm not aware of. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question.

You have violated my rights under the following sections of the FDCPA : 1. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action.

2. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter.

* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken.

3. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter.

4. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.
Product: Credit card

I called in XX/XX/XXXX to cancel my XXXX XXXX XXXX XXXX because i did not want to pay the {$99.00} annual fee. The person I talked to suggested an XXXX XXXX. I accepted the offer. Later, I found out the Executive had a {$590.00} fee AND she had not cancelled the Platinum Select. I never got a bill for the Executive and later found out I had a late charge. I paid the bill immediately.

When I called to close the Executive because I didn't want to pay the {$590.00} fee I had never been told about, the representative would not allow it, but wanted to downgrade both the cards. I told her I wasn't happy with that, so she put me on hold for XXXX minutes and then the line went dead.

It gets worse. After I paid the Executive bill, I realized I had
over paid by {$600.00} + dollars and Citi would not release my money because " the cards are cahnging over and it just can't happen now. '' XXXX I returned some shoes for {$120.00} on thea card on XX/XX/XXXX and it still hasnt shown up. So that's {$800.00} approximately of my money Citi is holding without interest.

From the beginning I was mislead and now cheated. Please help. 
By the way, I still had to pay the {$99.00} fee and spend about XXXX hours of my time.
Product: Credit card

I made a payment but when I asked the representative what the past due was she told m, I was told I had the XX/XX/XXXX payment but I actually had XX/XX/XXXX and XX/XX/XXXX {$240.00} but it {$400.00}. I talked to a supervisor about and he did waive XXXX late fees for me but now I have XXXX credit marks with Elan Financial, I advised the supervisor that I am dealing with fraud, someone emptied my checking account and I am waiting for the bank to put all of that money back, I keep getting asked why the account even though I talked to the supervisor and he states he would note the account. One of the reps lied and said I did not want to make a payment but I advised I was at work and just needed to change the date on my payment. She kept asking about other payment arrangements. I advised I was at work at twice and I did not wish to bring any personal issues at work. I want the credit marks removed and to be put on a pay plan. I am dealing with fraud but Elan did this to me before and I should have the credit marks removed due to misinformation that was given about my payment. This is not my fault and the rep should have given the rght information or ask someone if she was not sure because I clearly asked what was owed,
Product: Debt collection

This debt collector has not only violated me and my rights as a consumer, but they have violated and blatantly broke the law at my expense. they have engaged is deceptive and unethical business practices against me, which goes completely against the FDCPA guidelines which is prohibited and considered a violation. 
They acquired and furnished this account which was not authorized by me in any way shape or form. We did not agree upon this account in any way shape or form. I DID NOT sign any agreement, legal contract or documents allowing this fraudulent account to report anything that has to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECT ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed claims against XXXX and Transunion over 33 days ago with CFPB regarding a fraudulent account on my report. I have been trying to work with both the creditor and the credit bureaus to have this account removed from my credit report. I also mailed in a letter to the creditor asking for documentation showing my signature or consent to open this account under my information over 43 days ago which I HAVE NOT RECIEVED. This creditor has failed to provide me with supporting documentation verifying the debt and ownership documentation, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). This account was opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent and collection agencies must! Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information. 


XX/XX/202XXXX XXXX CFPB Claim # XXXX Transunion CFPB Claim # XXXX
Product: Debt collection

Doctors Business Bureau for {$240.00}. That debt has been paid and I have a letter supporting it. That debt has been in my credit report since last year and it needs to be removed immediately. Its hurting my credit!
Product: Mortgage

i modified my loan around XXXX  and now the bank is telling me that after XXXX years i will have a balance of XXXX XXXX, i bough the house for XXXX XXXX and been paying this house for XXXX  years and i still have a balance of XXXX XXXX.
Product: Debt collection

I am an admin at a company. The bill collectors call for a particular employee and asked to speak with him or his wife ( Who is not employed by us XXXX. I have explained to them that this employee is not reachable through the number they are calling, and asked them to end the collection calls at this number, but they continue to call. The callers also refuse to explain what company they represent, which makes it impossible for me to submit a written Cease of Communication. 
After a Google search, I was able to find the Credit Company online, and I will file a cease of Communication with them ASAP. That being said, prior to me sending the Cease of Communication, their tactics were harassing and unethical. 
The Company : Flagship Credit Acceptance XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY CREDIT REPORT THAT I DID NOT DO. SOMEONE USE MY INFORMATION TO APPLY FOR ACCOUNTS IN MY NAME AND TO FILL OUT APPLICATIONS THESE ARE THE FRAUDULENT INQUIRES ON MY REPORT 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX  3.XXXX XXXX XXXX  4.XXXX/XXXX   5XXXX XXXX 6.XXXX XXXX 7.XXXX   XXXX
Product: Credit card or prepaid card

I went on line to check out statement ( no paper trail ). I realized a charge of {$86.00} was added to account. I contacted my credit card ( Capital one ) and they explained this was a interest charge carried over a balance? I am charge monthly interest fees? In XXXX I am also charge a service fee of {$35.00} yearly. Back in XXXX of XXXX, I explained I lost my job I am going to pay minimum payments for a while till I get on my feet again. They said no problem as long as you make the monthly payment. I have never been late on payment, on top of that I paid always {$300.00} or more a month and my last big payment was {$3000.00} I think XXXX of XXXX to lower payments. I have been paying {$160.00} monthly and notice this charge of {$86.00} on XX/XX/XXXX. When I contacted them in XXXX to explain my misfortune they never mention that I would be charged this carried over balance? Never heard of this at all. Had many credit cards and no such problem like this. 
If you can look into this matter, and looks like I won't be getting my job any time soon. And have Capital One remove this charge, they already get monthly interest and service charge. Thank you in advance XXXX XXXX XXXX I just ordered new card so do not have number B/date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After failure to receive any notification of an amount owed to XXXX XXXX for a parking violation and a written collections letter from Linebarger Goggan Blair & Sampson , LLP , I was told I could email a dispute to the collections company in attempts to reduce the amount owed. The email was sent to the collections company in XXXX of 2022. After no follow up from the collections company in regards to the dispute, a second notice letter was sent to me.
Product: Bank account or service

In using BoA bill pay service, bank checks were not delivered to a BoA branch because the address had changed, and were not recreditted to my account until three months later. This is BoA 's stated practice, probably prevalent at other major banks. Meanwhile, with this practice, BoA adds to its liquidity crediting funds in transit, violating international central banking norms.
Product: Debt collection

XX/XX/2022, I received a call from a company out of New York by the name of XXXX XXXX Yes, I had explained to the representative that I have no loan. I did ask for information about the loan but he refused to provide it. I then asked to get placed on a cease and desist. 
XX/XX/2022, Same company called again I asked why aren't they honoring my C & D. He hung up. 
XX/XX/2022 next day, same company -female called and she hung up real quick as asking about the loan. 
XX/XX/2022, Prime Recovery LLC called about XXXX XXXX Yes, explained to the representative, never took out this loan, never received documentation about this loan. Asked her if the SOL has expired, she couldn't answer. Claims she was closing the file and returning to the client. Requested C & D XX/XX/2022, received a text message from Prime Recovery LLC detailing loan is owed to XXXX XXXX XXXX XXXX, after a C & D has been requested. 
XX/XX/2022, called Prime Recovery LLC was told wait 72 hours.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX I applied a credit line to Affirm , Inc and purchase in their website a XXXXXXXX XXXX egift card but the egift card was not receievd my me. 

On XX/XX/year>. I contacted Affirm to dispute /cancelled the transaction from XXXX XXXX egift card because i did not received the item but Affirm replied me that once the item was purchased we can not cancelled or dispute, that is our policy. 

I called Affirm from time to time but still not dispute they told me to report it in 3 credit agency and my credit will be damage.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.