23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I did default on my XXXX XXXX and it was sent to collection in XXXX ... .which at that time the company under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX California did harass me over the phone and by text messages for about a year. I try several times to settle the matter with them by offering to make payments they refused stating it had to all at once. Since I did n't have that money and was failing financially it was not resolved. I did n't hear from this agency again until XXXX when my checking and saving accounts where completely emptied, that same day I received a Notice of XXXX that had transpired on XXXX XXXX, XXXX ... my moneys where removed on XXXX XXXX, XXXX. I also received a phone call from the case worker that same day, in which she laughed at me and stated " I finally got you. '' Since that day I assumed this debt was satisfied and I have never heard from them again. On Monday XXXX XXXX, XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX Washington for XXXX XXXX stating that I now owe them {$11000.00} and they are trying to collect now on a debt that is XXXX XXXX XXXX and I thought had be satisfied in XXXX. When I spoke to them on the phone they offered little to no information, other than the fact that there was no documentation in the file they had purchased from the original collection agency. My question to you is can they continue this action?
Product: Credit reporting

Consumer went through XXXX from XX/XX/XXXX-XX/XX/XXXX and had a complaint in with my XXXX because XXXX was charging for procedures I never had. Received an updated bill from dentist that shows a XXXX balance before XXXX XXXX was involved. XXXX XXXX has made up a new bill that shows consumer owes {$1300.00} on credit report. Consumer has disputed this item for two years with all credit bureaus to no avail. Credit bureaus have curtailed all disputes. Consumer has contacted XXXX XXXX several times but was either placed on hold or transferred out. Consumer has attached a copy of the XXXX balance bill that was submitted to consumer by the local XXXX. XXXX XXXX will not budge even when I complained to a state agency. They did adjust the amount of the bill which is bogus.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Amount : {$12000.00} I called TransUnion because I saw discrepancies on my credit report with Department of EducationXXXX there are a total of 11 accounts that I have with Department of Education/XXXX and all 11 accounts have discrepancies. 

These are the violations : 15 USC 6802 to 6805 Privacy Act of 1974 Family and Educational Privacy Act of 1974 15 USC 1681 ( b ) 16 CFR 313 16 CFR 313.7 ( f ) 15 USC 1692 Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802.
Product: Credit card

I called Chase Bank to cancel my Chase United Mileage Plus credit card. They had just applied the {$95.00} annual feel for 2017 to my bill. I had n't used the card in some time so i canceled the card. I asked for a pro-rated refund of my annual fee but both the customer service agent and their supervisor refused to do so. So Chase is keeping my annual fee for a card which has been canceled. When I have canceled cards from other credit card companies, I have always received a pro-rated refund. Unfortunately, Chase chooses to have a different level of customer service which makes it a bank I will choose not to do business with in the future.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A. 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.
Product: Debt collection

I received a phone call at XXXX XXXX XXXX on XXXX XXXX, 2016 from the office of " Attorney XXXX '' of XXXX XXXX, XXXX XXXX XXXX, XXXX, phone XXXX ). The call alleged that I was named in a judgment hearing by Discover Card, for a debt that was almost twenty years old. The person on the phone asked if I was aware of this litigation, which I was not. She then proceeded to say the debt was attached to my SSN ( which she did not give ) and recited my date of birth. She kept repeating the name " Attorney XXXX XXXX '' in response to any inquiry I had, as if that was supposed to scare me into paying on the spot. I told her to send any information regarding this matter to me, in writing, and hung up. 

While I do not dispute this almost twenty-year-old debt, I am complaining about the fraudulent, intimidation practices used to try and collect this debt. If I were truly being sued, I would have received formal, writren notification by now. 

I have also filed a complaint with the XXXX of XXXX Illinois ( XXXX complaint # XXXX ), as an internet search showed that this company had multiple complaints ( XXXX and otherwise ) against it. Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The reporting of this charged-off auto loan violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure maximum possible accuracy in their reports. Furthermore, the inconsistent reporting across the three credit bureaus indicates a failure to comply with 15 U.S.C. 16815-2 ( a ) ( 1 ) and ( a ) ( 2 ), which require furnishers to report accurate and consistent information to all credit reporting agencies and to correct any discrepancies promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaints on complaint numbers ; XXXX XXXX EQUIFAX-XXXX These XXXX Credit Reporting Agencies are are now in violation of 15 U.S. Code 1681c-2 - Block of information resulting from Identity Theft ( a ) Block 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, no later then 4 days after the receipt by such agency of- Companies says that they never recieved a FTC report when a copy is obviously attached to and submitted to the complaints.
Product: Debt collection

A credit card was opened in my name in Georgia, a state I have never resided in. Charges were ran up to {$5300.00} on a XXXXXXXX XXXX XXXX XXXX XXXX  . credit card and now XXXX XXXX XXXX, a debt collector, are trying to collect on a debt that I did not create
Product: Credit reporting or other personal consumer reports

The credit bureau are still reporting an issue with this account when XXXX XXXX XXXX  have stated this isnt correct and it need to be updated Ill attach a letter of this information also Im it sure why XXXX, equfax, and XXXX  is still reporting this issue. Well its really still showing on equifax
Product: Debt collection

Hunter Warfield purchased a debt I owed to an apartment complex to the amount of {$4900.00}, however they are not licensed to collect in the state of South Carolina. In addition to I have not given written consent to the original creditor, debt collector, nor the credit reporting agencies to report this debt that is non public information.
Product: Debt collection

With strong consideration of the Case XXXX brought against Transworld by the CFPB in 2017 ... I am experiencing the same issue with this collection agency. 

Transworld is refusing to remove an account from my credit file. Transworld is refusing to validate this alleged debt placed on my consumer credit file. 

Recently I submitted my complaint against TSI - Transworld Systems , Inc. Transworld responded by stating that they received a payment. I am not familiar with said alleged payment as that is not validation of the alleged debt that Transworld has reported to the credit bureaus. Providing a copy of an alleged payment does not validate that I am the responsible account holder for said debt. Therefore, updating a paid is still not in accordance with the FCRA. If TSI claims to have the right to collect on and or update the status of this alleged debt on my credit file in accordance with the Fair Credit Reporting Act I am asking for FULL validation of this account via contractual documents stating and proving that I agreed to and that I am responsible for this account. There have not been any agreements baring my signature provided. Therefor, TSI has no legal right to attempt to collect a debt and or report it to my credit file. TSI is in violation of the FCRA and the FCDPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am submitting this complaint myself to address the inaccuracies on my Credit Reports. The DISCOVERBANK account is reporting late as reported in my 3 Credit Bureaus. Lets correct this now. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX ], [ XXXX XXXX ], [ XXXX XXXX XXXX ], are not complete and accurate.

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate
Product: Credit card

I have called, chatted, and logged in myself to get Bank of America to STOP mailing me promotional offers. 

They will NOT stop!!!! 

Please get them to stop PLEASE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed two ( 2 ) disputes in regards to the erroneous collection account on my credit report. I disputed the validity of the debt however Phoenix Financial Services has continued to violate the FCRA by reporting the negative account to the credit bureaus and refusing to supply me with documentation validating the debt. The collection agency and credit bureaus have both failed to provide any documentation that supports that the collection account belongs to me. I have made several attempts to get this erroneous account removed, however the credit bureau continues to " validate '' the collection account without doing their due diligence and without providing any documents, contracts etc that connect me to this debt.
Product: Money transfer, virtual currency, or money service

I need to withdrawal money from XXXX to my PNC account.
Product: Debt collection

I was on Section eight housing, and the apt company I was renting from was stealing rent money sent by the housing authority. When brought to my attention I was told housing didnt send over their portion. I received late fees and notices on my door about eviction, I went down to the housing authority and my caseworker showed me in the system that they sent a check out and it was indeed cashed.The prior landlord was stealing money from tenants and thats why she is no longer with the company XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am reaching out to have collection debt from receivable management removed from All three credit reports. XXXX XXXX  and XXXX. The company is third party company that has started harassment from different numbers including blocked numbers to collect debt for XXXX car insurance company. The representative are calling with threatening and violent language demanding a payment. I spoke to XXXX on a settlement last year and never was contacted back and now this third party company has purchased the debt and now sending threats. I wish to have Receivable Management removed from my credit reports due to harassment of the consumer and my rights of them purchasing debt which of my understanding is now settled and paid in full by the owner whom now belongs to Receivable Management.
Product: Credit reporting or other personal consumer reports

I filed a complaint on XX/XX/year> with XXXX, Experian, and XXXX via the CFPB. I asked them to remove some inquiries from my credit report that did not belong to me, but they would not comply. These unauthorized inquiries are a result of identity theft. 15 U.S. Code 1681c2 states that ( a ) BlockExcept as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of theconsumer ; ( 2 ) a copy of anidentity theft report ; ( 3 ) the identification of such information by theconsumer ; and ( 4 ) a statement by theconsumerthat the information is not information relating to any transaction by theconsumer. I attached the a list of the unauthorized inquiries as well as my FTC report. THESE TRANSACTIONS WERE NOT MADE BY ME. I NEVER GAVE WRITTEN CONSENT TO PULL MY CREDIT. YOU HAVE 4 DAYS TO REMOVE THESE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT!
Product: Mortgage

Complaint regarding Specialized Loan Servicing XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX Mortgage Servicing, City of Industry, CA I prefer to defer real estate taxes as I can make more investing the money than the interest charges. Specialized Loan Servicing improperly established an unwanted escrow, agreed in writing to close the escrow, but refuses to actually do so. 

On XXXX XXXX XXXX  they mailed a demand to pay defered taxes. ( Attachment 1 ) The taxes were promptly paid as requested on XXXX XXXX XXXX ( Attachment 2, payment posted on XX/XX/XXXX ) None the less, XXXX XXXX paid taxes for the following year, which were not yet due, and then established an escrow. When I learned of this, I spoke to a helpful XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX Although XXXX XXXX should not have paid taxes in advance, I agreed to reimburse the money they advanced, and the representative agreed to close the escrow. ( Attachment XXXX ) The reimbursement was promptly sent. ( Attachment 4, posted as XX/XX/XXXX ) I then received WRITTEN COMFIRMATION OF ESCROW CLOSING dated XXXX XXXX XXXX. ( Attachment 5 ) However, XXXX XXXX still refuses to close the escrow and is improperly diverting my principal and interest payments. This non-interest bearing account operates solely to the benefit of XXXX XXXX. Further, by improperly diverting my payments they are reducing the amounts paid to principal and interest thereby extending loan payments to their benefit. 
They refuse to close the escrow, which they have agreed in writing to do. With my refusal to pay this improper charge, the are now falsely claiming that my mortgage payments are late which has dropped my XXXX XXXX by XXXX points. ( Attachment 6 ) My mortgage payments are sent regularly by my bank and have never been late. ( Attachment 7 )
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Reporting Errors To Whom It May Concern, I am writing to dispute certain information in my credit report that I believe to be inaccurate. This action is in accordance with the Fair Credit Reporting Act ( FCRA ), which ensures accuracy, fairness, and privacy of the information in consumer reporting agency files. Below, I have highlighted the erroneous items related to accounts listed as discharged through bankruptcy XXXX  XXXX but still reported in a manner I believe to be incorrect. 

XXXX Account Status : Under dispute Date Opened : XX/XX/XXXX Balance : - Status : XXXXischarged through Bankruptcy XXXX  XXXX. 
XXXX Account Status : Potentially negative Date Opened : XX/XX/XXXX Balance : - Status : Discharged through Bankruptcy XXXX  XXXX. 
XXXX XXXX  Account Status : Potentially negative Date Opened : XX/XX/XXXX Balance : - Status : Discharged through Bankruptcy XXXX  XXXX. 
XXXX  XXXX Bankruptcy Record Status : Potentially negative Date Filed : XX/XX/XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX I believe the above information is reported inaccurately. According to XXXX  XXXX bankruptcy discharge guidelines, these accounts should be reported with a XXXX balance reflecting that they are discharged and should no longer be represented as owed or outstanding. 

I kindly request that you investigate these discrepancies and correct the errors promptly. Attached are copies of documents supporting my position ( include copies of documents like your bankruptcy discharge paperwork ). Please update my credit report accordingly and send me a corrected version of my credit report post-investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 

Sincerely,
Product: Mortgage

My mortgage was sold several times and ended up being serviced by US Bank. Overall, the experience has been fine, but I want to pay my home insurance and property taxes directly instead of having them escrowed to have control of my cash flow and realize the interest on the money over the year. I contacted US Bank and they want to charge a fee over {$600.00} just so I can my bills myself. I think this is incredibly unfair especially as I never agreed to their terms and have been forced into them servicing my loan. All I want to do is stop having them escrow by taxes and property insurance premiums.
Product: Money transfer, virtual currency, or money service

I own a dropshipping store ( I buy items from my supplier and ship it directly to my customers ) and I use paypal to accept payments from my store I started accepting payments from my dropshipping store around XX/XX/XXXX and my account was fully verified. On XX/XX/2023 paypal limited my account with no explanation or reason give, they asked me to fill out an assortment of information about my account and my store. I provided verified and legitimate information and I was informed by paypal that the information was legit and my account was not suspicious i just had to fill out the information that they wanted me to provide. With no explanation paypal locked my account permanently and said that I can no longer work with paypal. Even though all the information provided was legitimate and illegible, they still locked my account for no reason. When i tried contacting them on the matter why my account was locked, they gave me no valid reason and kept dodging the question. I am writing this complaint because my account was permanently limited for no valid reason and the resolution to this matter is that paypal lift the limitations set on my account because they provided No reason why my account was locked and locked my account for no reason and with no explanation when my account was fully verified.
Product: Checking or savings account

TD Bank charged me maintenance fees two months in row, causing a negative balance in my checking account. My checking account balance was XXXX as of XXXX. Due to the pandemic, my salary was no longer being direct-deposited into my account. So I scraped together every dime I could to boost my savings account balance up to the {$25000.00} amount that waives monthly fees on both accounts. Nevertheless, TD Bank imposed a {$25.00} fee on XX/XX/XXXX, and another on XX/XX/XXXX. I wrote to TD Bank on XX/XX/2020 to explain my situation and ask for fee reversal. A copy of my letter is attached. TD Bank either ignored my letter or laughed at it, because next I received a collection letter from TD bank, accusing me of a {$50.00} " overdraft. '' No way have I ever overdrafted any bank account! TD Bank put my account into the negative with its heartless fees. All I keep hearing about are other banks granting mortgage forebearances and other help to customers affected by the pandemic, but TD Bank seems to want to profit from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, I have had my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CITI BANK 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for Any purpose.
Product: Credit reporting or other personal consumer reports

Please see attached documents do not close this complaint stating this is not me. I am a natural person and a consumer
Product: Credit card

Hello : It has come to my attention that all or most of the credit card companies collaborated recently to start charging ridiculous late fee and interest charges on the balances, if the due date is on the weekends, when all financial institutions including the credit card companies are closed for business transactions. 
Therefore I would like the CFPB to send a memorandum out to stop this unlawful practice by the credit card companies. Why should their customers send XXXX dollars to them one or two days ahead of the due dates instead of them waiting for the next business day to receive the amounts? 
Your advise and action would be highly appreciated. 
Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX XXXX and XXXX reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX and Experian is reporting the date last active as XX/XX/XXXX and XXXX is reporting it as XX/XX/XXXX. Which date is it? 

Why isn't XXXX XXXX or Experian reporting any payment history? When was I reported late with XXXX XXXX or Experian? What was my monthly payment? When was my last payment received for this account? 

This account is completely inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$21000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, the balance amount reporting has clearly been entered into my credit report incorrectly, and second, my son is in the military and his phone plan through XXXX has a special discount for military families. There is no outstanding balance due and consequently, nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

my son drugs stole my ID and got credit cards 3 years ago, i was driven by my wife from my house as they try to put poison in my food, i lost every thing because i could not take lawyer, Now i am retired and get small amount of money with food stamp from government, i could not pay first national bureau as it demanding XXXX dollars for 5 payments as that debts i never used,