23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent in a letter regarding unauthorized use on my credit report and how equifax is reporting a collection without protocol breaking violations.
Product: Debt collection

Because of a clerical error in the interaction between XXXX XXXX and our auto insurance company, XXXX XXXX, an old bill was sent by XXXX to a debt collector, Recovery One LLC. Once I realized the problem I cleared up the issue on a conference call between XXXX and XXXX XXXX, and XXXX recalled the debt from Recovery One. However, the debt collection calls from XXXX XXXX never stopped, with multiple calls per day, and recently added harassment of my wife. It has been over a month since Recovery One should have received notice from XXXX and the calls continue. Repeated attempts to inform Recovery One that the issue was resolved have been rebuffed, requests to be transferred to a supervisor for resolution have been denied, and Ive been further threatened that failure to resolve the debt with them may result in reporting to credit agencies. Insisting on more information, even additional information to identify themselves ( even just the city and state of their company ) resulted in immediate termination of the call. XXXX has been positive and responsive, and so has XXXX XXXX. Recovery One is the only one at fault and their tactics, threats, rudeness, and failure to provide a process for resolution in such a situation is utterly inexcusable.
Product: Mortgage

Sold home at XXXX XXXX  XXXX XXXX, XXXX, FL XXXX with a mortgage serviced by Flagstar Bank in XX/XX/year>. 

There is an escrow surplus of {$790.00} but XXXX mailed the check to XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX which is not even a real address. 

I called on XX/XX/year> to see what was going on and noticed the issue. I updated the address to my current mailing address at XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX but XXXX mailed the check to XXXX XXXX XXXX, XXXX, FL XXXX. I have not received the escrow surplus check and it has been over 60 days since the house was sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

U have contacted the credit bureau several times on several different attempts and occasions ... I have not received and proper paperwork or updates on the request that I have asked. It show that taxes liens are reporting on my credit file.. There have been a serious error I have no liens. These files have to be for someone with the same name.. This is putting my life at a stand still and a hold.. Which is absolutely not fair to me or my family
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$190.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$49000.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : DEPTEDXXXX XXXX XXXXXXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Name : US DEPT OF EDXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX  - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX :
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 XXXX XXXX XXXX. 

LVNV Funding account ending XXXX LVNV Funding account ending XXXX XXXX has has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter on XX/XX/2021 about the inaccuracies on my credit report and got no update and it has been well over 30 days! This is stoping me from moving on with my life and causing be Extreme stress! I cant take this anymore, I need the items removed immediately so I can go back to living my life. This stress has landed me in the hospital many times now I just cant take it anymore!
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX, a debt collector, called my husband 's business cell phone seeking to speak with me. They purportedly believed the number to be mine. They stated to my husband that I had owed a debt for a Barclays Juniper credit card that was supposedly opened in XXXX and defaulted in XXXX. 

My husband let them know that he would discuss the matter with me, as we were not married until XXXX and he had know knowledge of such a debt. Frankly, neither do I, I don't recognize the account, and have had prior issues with family members opening and operating accounts in my name. My husband and I requested that they send evidence of the validity of the debt, and they sent a letter on their letterhead identifying Barclays Juniper, the amount of {$1300.00} as owed, and a settlement offer of {$750.00}. My husband and I each spoke with XXXX XXXX XXXX on XXXX and advised them that the letter they send in no way indicated evidence of a valid debt. We requested a signed credit agreement, list of charges, etc, which they refuse to provide. They claim that they do not have to provide such evidence. On the letter they sent, there is a provision stating that information about the original debt may be obtained by written request. I have requested this in writing, but only today, XX/XX/XXXX, not even four full days after first being contacted about this matter. 

Yesterday, The collector once again called my husband on his business cell phone, this time threatening legal action if the matter was not immediately resolved. My husband once again stated that the information they provided was in no way evidence of a valid debt, and that we would not settle some phantom debt, that we would need to see evidence that the debt was valid. The exchange became heated and the collectors threatened that we will be responsible for more than {$3000.00} in legal fees when they serve us. 

Today, my husband received yet another call on his business cell phone, from a person claiming to be a XXXX XXXX ( AZ ) process server advising us that we will be served court papers today. This is deplorable, as they refuse to provide evidence of the debt, and are now apparently taking us to court. I am hard pressed to think that they are within their rights to refuse to provide evident of a debt that we do not acknowledge, and actively contest. As such, we seek the intervention of your agency. We have also filed a complaint with the New York Division of Consumer Protection as the address shown for the collector is within New York State.
Product: Credit card or prepaid card

Applied for a XXXX credit card. I wanted the standard card but was given the plus card instead so I never activated the card as I had no intention of using it as it has a high annual fee. Now I am being charged late fees and the annual fee on statements sent to me for a card I have never activated or used. 

I have contacted the company via the website and submitted a complaint and they said a manager would reach out to me but no one has. I want the account closed and the fees + " late payment '' fees to be reimbursed.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX  if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I contact Capital one about this account, the account is closed they still reported is and old account and expired, They said they would remove the credit amount but they never did, also I had NO loss balance in this account and it appears that I owe XXXX dollars that is incorrect this is a secured card
Product: Credit reporting or other personal consumer reports

Bank of America still reporting closed account as delinquent. Under a Debt Mgmt Plan
Product: Credit reporting or other personal consumer reports

My credit report contains inaccurate details that are subject to 15 USC 16c-2. This misinformation is negatively impacting my credit, and the hard inquiries were not approved by me.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 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! 

Delete the late payments from my consumer reports.
Product: Money transfer, virtual currency, or money service

I had a small XXXX restaurant, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX phone XXXX, my cellular number XXXX XXXX XXXX my merchant number ( accept credit card ) with td bank usa - XXXX, their customer phone XXXX my checking number - ( XXXX ) I cancel their merchant service to accept credit card on XX/XX/XXXX, but I got charge {$5000.00} on XX/XX/XXXX, I didn't get any mail for notice. They told me I pose a min on debit/credit sale. But I stop already in long time ago. There is no reason charge such high fee no matter what, td bank help XXXX charge me {$5000.00} on XX/XX/XXXX, that is not right and legal, should send me legal document by cert mail to inform me and call me. 
I called td bank merchant service 2 times, they told me I need contract visa, I called XXXX  and disconnect my call. I email to XXXX. but no answer.

td bank and XXXX  had no right charge such high fee, please help me get back money, you can email or call me, help me get back money {$5000.00} which charge on XX/XX/XXXX
Product: Mortgage

I received a house that i lived in with XXXX XXXX XXXX after she passed away along with her son through her will, missed no payments, but after sending in a payment to Ocwen Loan Company, had the payment sent back and was told the house was going into foreclosure because the payments were behind, what they did was funneled two of my payments into escrow and when i sent in another payment, the sent it back, would not accept any payments, and started foreclosure, for several months they would not even talk to us about the account because we were Heirs of the property. We filed Probate, sent in all the appropriate information which they repeatedly told us the did n't receive, even told our Attorney the same several times after she sent the information to them, they added several thousands of dollars to the account in fees, and we still ca n't get any resolve, there is a class action settlement suit filed by The Consumer Financial Protection Bureau Case No. XXXX for these same actions on multiple other accounts. We filed numerous loan modifications which we never got responses to, we have tried everything that we know to do to resolve this issue with no help at all from Ocwen Loan Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A 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 719XXXX has me at a score around 590. 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 XXXX 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( XXXX ) XXXX XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 1681 c. ( 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 it the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card

BMO closed my credit card without my knowledge and i received a letter in the mail after the fact that stated the can close my account at anytime and that was it. I tried to call to make payment and they told me my account was closed and i couldnt make payment but they were still charging me interest. They made it extremely difficult and complex to understand what is happening and how to resolve while changing me interest. BMO is acting in criminal nature amd should be closed to business in the XXXX
Product: Checking or savings account

In XX/XX/XXXX of this year a blocked ( needing an order from the court to withdraw monies ) savings account was opened at the XXXX XXXX XXXX XXXX XXXX Rabo Bank - now Mechanics Bank. A large sum was deposited ( proceeds from the sale of a residence ). On XX/XX/XXXX I contacted XXXX XXXX ( she was the person involved when the account was opened ) notifying her that a settlement had been completed and that the entire account that was opened was awarded to me and that I wanted to withdraw the money to deposit it in my own bank. She stated that I needed to send her the settlement agreement in its entirety ( 24 pages ). I did so that same days to her email address. I made a few calls early the next week and left messages that were never returned. I was able to contacted XXXX Wednesday of that week ( XX/XX/XXXX ) and she informed me that she had forwarded the paperwork to " legal '' and that they would be issuing a check later that week. Nothing happened. I attempted to re-contact her on Tuesday the next week ( XX/XX/XXXX ) with no success, so I contacted the central call center. Was informed that the branch would be getting in contact with me by days end concerning this issue. No contact. Re-contacted call center the next day ( Wed ). Spoke to XXXX for close to 45 minutes. Was informed that 'XXXX XXXX at the branch had made the check and would mail it to me. I requested a tracking number by email. Was contacted by XXXX by phone with apology stating that it had been busy. No email with tracking number. Checked account status ( Thurs XX/XX/XXXX ). No withdrawal or check had been made. It has now been 2 full weeks since my withdrawal request was made! Contacted call center again. Spoke to Supervisor XXXX ( direct # XXXX ). He assured me that he would look into this personally. 6 hours later XXXX informed me that the check had been made and would be sent out that day along with a tracking number. 
My complaint is that I believe that there is a timeframe that the bank has to release funds. It is not 2 weeks! I felt that they were holding my money hostage and since I lived a 1000 miles away they could get away with it.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report there are 2 late payments with XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

I hope this message finds you well. I am writing to formally request the reopening of my Capital One XXXX card account, which was recently closed. 

Unfortunately, my account was closed following a returned payment, despite my bank account having sufficient funds to cover the transaction. I have contacted customer support and was assured that everything should have proceeded without issue. However, the account was closed, and I have been unable to resolve the matter through previous communications. 

I kindly ask that you review the circumstances surrounding the closure of my account and take the necessary steps to reinstate it. Attached are copies of relevant documents and correspondence related to this issue for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, RECEIVABLE MGMT SVCS LLC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA RECEIVABLE MGMT SVCS LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Debt collection

To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide a breakdown of fees, including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX