23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023 I received a notice of debt collection in the mail by AmSher on behalf of Charter Communications LLC for the amount of {$74.00}. 

I have contacted Charter on XXXX separate occasions where different representatives both confirmed I have no outstanding balance and that I am in good standing. I had asked for this confirmation in writing or an email to send to AmSher as verification, but was told it is against policy to release that written information about a closed account, as I no longer have a service contract with Charter. 

That being said, I have ( 2x ) verbal verification of good standing and that I do not owe them anything. AmSher 's information about the debt is incorrect, and they will not entertain that possibility unless I get written proof, which Charter by policy is unable to do. In explaining my predicament to Charter, they suggested that AmSher may be employing unfair collection tactics or attempting extortion. They have put me in an impossible middleman situation where I have no recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collections : XXXX Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collections : XXXX Account # XXXX
Product: Checking or savings account

Truist Bank XXXX XXXX, XXXX NC on XX/XX/XXXX I attempted to make a deposit of approx XXXX which consisted of 3 bank cashier checks and was advised by the teller that there would be a 7 day hold on the deposit. 3-5 days is what I expect to be reasonable and inquired why 7 days? I was advised by the bank teller XXXX that this was done on a case by case basis, so I inquired what the case was. She advised " I dont know ''. At the least the rep was not trained properly at the most discrimination was the cause. I requested they cancel and back out the deposit. I contacted XXXX as the bank mangaer and left a message to give me a call back that I would like to share my experience with him. He never returned my call and I am not surprised. XX/XX/XXXX I contacted 3 different individuals one from the main customer service line which hung up on me, I contacted the only customer service # again, went through the un-needed questions and got customer service rep 2 which was a joke and a waste of my time. I called back hoping to get another representive that gave a flip and she transferred me to GA, a supervisior? Which advised there was no general " Customer Complaint '' email option and I should submit my complaint via writing to XXXX. Needless to say these folks have lost my account one which will be quite hefty due to inhertiance and I would like an explaination as to why they were holding 3 bank cashier checks for 7 days and what that case was. 

I have since opened an account with a local bank and will be transferring all funds and closing my account with Truist immediately. There is no customer service and this is a bank so this is very concerning. I did not sign up for online banking only, where there is an issue an the service provider is a bank they must provide customer service. 

Thanks, I see they have a ton of complaints listed, they can add mine to the pile.
Product: Credit reporting

Attached please find the paper trail with numerous FCRA violations from both XXXX AND Equifax Credit Bureau 1.XX/XX/2016 Sent a letter to XXXX to validate a XXXX loan, receipt dated XX/XX/XXXX. No response. 
2.XX/XX/2016 Pulled Credit Reports, none marked disputed within 30 days per FCRA requirement. 
3.XX/XX/2016 delivered another letter to XXXX to delete negative credit info since validation of information was not received or dispute marked on Credit Bureau within XXXX days. Received Nothing in response. 
4. XX/XX/2016 Disputed information online to Equifax via mail to XXXX, XXXX XXXX. XXXX AND XXXX both deleted negative file reporting. 
5. XX/XX/2016 Noted that investigation was not complete after 31 days as required by FCRA. ( Please NOTE Date time stamp of dispute status # XXXX ) XX/XX/2016 Letter to Equifax received requesting Negative Credit Reporting be removed due to non compliance of FCRA. 
Sometime in XX/XX/XXXX a pdf file was available for download stating account had been " verifie '' Account balance updated etc. 
NOT ONCE did I receive any documentation that this account was indeed mine. I had several other student loans never once any from XXXX. I STILL have no proof either from creditor OR Equifax showing this account was MINE or that the reported credit information was reported accurately. The next step is to file suit against BOTH XXXX AND Equifax for multiple FCRA violations. In addition, I understand that XXXX had several violations and a settlement to the government of payments are forthcoming ( Also attached XXXX. IF any is passed to consumer, this would be a valid claim.
Product: Checking or savings account

On XX/XX/23 someone hacked my XXXX app and ordered XXXX in Florida using my card information saved to the XXXX app. This likely could have been prevented if XXXX would require 3 digit security code with each purchase. XXXX corporate tells me to dispute charge with US Bank and US bank will not reverse the charges to my debit card account despite me reporting the fraudulent transactions and requesting the bank not process the fraudulent charges. I noticed it on day of charges and deleted bank info from XXXX app and changed XXXX password shortly after hacker made three XXXX purchases in Florida of {$14.00}, {$14.00} and {$6.00}.
Product: Debt collection

XX/XX/XXXX REPORTED TO THE POLICE- WILL FIND REPORT AND DELIVER SOON - WENT TO XXXX XXXX XXXX AND REPORTED IT AND THEN CALLED THEIR THEFT CUSTOMER SERVICE AND WAS  TOLD TO CALL ANOTHER NUMBER THAT HASNT RETURNED MY CALLS IN ALMOST A YEAR. XX/XX/XXXX- I HAVE BEEN GOING BACK TO XXXX XXXX XXXX TO SPEAK TO A REP BECAUSE DEBT COLLECTORS KEPT MAILING AND CALLING NON STOP, I COULDNT SIGN UP FOR SCHOOL OR A BANK ACCOUNT AND I HAD ASSUMED THEY FIXED THE SITUATIONXX/XX/XXXX- COLLECTOR CALLED AND I EXPLAINED TO HIM THE SITUATION HE SAID IT WAS TOO BAD BECAUSE ITS BEEN A YEAR AND THE BANK WANTS IT. I PAYED XXXX $ TO HIM SO HE WOULD BACK OFF SO I COULD REPORT THIS. ON TOP OF THAT, I HAD BELIEVED MY CREDIT CARD AND SOCIAL WAS STOLEN BY A STRANGER ALL UP UNTIL THIS YEARXX/XX/XXXX WHEN I TRIED TO LOOK INTO IRS TO TRY TO FIGURE OUT WHY I DIDNT HAVE MY TAX INFORMATION AND WHY I NEVER RECIEVED MY XXXX. ALL MY INFORMATION ABOUT ME WAS STATED THAT IT WAS WRONG. IMMEDIATELY REPORTED BECAUSE I REALIZED MY EX HUSBAND HAD OPENED A ACCOUNT RECENTLY WITH MY NAME TO XXXX WHICH I CLOSED AND HE HAD TAKEN MY TAX INFORMATION FROM MY MAILBOX AND APPLIED FOR TAXES. WE WERE IN THE MIDDLE OF A DIVORCE AND HE IS NOT A CITIZEN. HE WERE ENGAGED AT THE TIME OF THE CREDIT CARD ISSUE
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX 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 XXXX XXXX Account Number : XXXX -- INQUIRIES -- XXXX XXXXXXXX - XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX - XX/XX/XXXX :
Product: Debt collection

This debt company seems to either change names several times or has sold and resold this debt. When I previously contacted them, they could not verify any information related to the debtor or the debt. The dates update with each acquisition of the debt or transfer of the debt ( {$530.00} ). This can not be verified and must be removed from my credit report. I emailed them to discharge this debt if they could not verify the debt in early 2023 and they refused. I am again requesting they verify the debt and the details, therein or discharge the debt and remove it from credit reporting. Thank you.
Product: Debt collection

I have a new phone number for about one year. This Hunter Warfirld collection company is looking for someone else, not me. They call 3-4 times per day, always a different phone number leaving multiple messages. No one ekso can leave a message, they fill my box.
Product: Debt collection

I filed a FTC Report Number : XXXX because victim of Identity Theft and followed the plan FTC had and it did not help. 

I wrote a dispute letter to Barclays Bank of Delaware on XX/XX/year>. 

I sent a follow up letter to Barclays Bank of Delaware on XX/XX/year> because I did not receive any response. 

I sent a letter to the credit bureaus and have tried online disputes I did not receive any response or verified with no documentation.
Product: Checking or savings account

On XX/XX/XXXX, I transferred XXXX $ then XXXX $ through banking XXXX to a person who texted me asking me to buy a laptop from them ( I was looking to buy one on XXXX ). I sent the money as a down payment, but the seller claimed the money had never been received. I hassled with him for a while, but after he asked me to send more money, I realized I had been tricked.
Product: Debt collection

TekCollect of XXXX XXXX. XXXX XXXX, XXXX, OH XXXX, has sentme XXXX collection letters without a legal judgement. Originaldebtor is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. FTC # XXXX ( G ) requires a legal judgement before they can harass me for a debt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX FIRST FEDERAL CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX : Acct # XXXX To Whom It May Concern : This is my Final attempt to try to remedy this situation. regarding your response, i will file a small claims court in my local state against your company. This letter is in response to your recent claim regarding Acct # XXXX which you claim I OWE YOU XXXX. 
By not replying in a timely manner to my initial letter on XXXX/XXXX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. 
I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act XXXX including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act XXXX including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit card

When I open with Paypal/Synchrony Bank XXXX a couple of years ago. I could see my account and the amount I was approved for which was {$1400.00}. I used {$950.00} of putting rotors and brakes on my truck. After Synchrony bank would send the pay through different dates. And if the payment did not go through the close the account like I defaulted on the loan with not questions asked. This happen several times even after I told them that I am retired and I get my retirement check on the XXXX of each month. Synchrony Bank have closed this account and open it some many times because they sent the payment in to my when they want to send it. Even after requesting the payment come out on the XXXX of the month. I was told that the payment could not be processed only on the XXXX not the XXXX and some other weird day which does not make since. For example, Synchrony Bank ran a payment on XX/XX/2024 {$30.00} which was declined. Also on XX/XX/2024 Synchrony Bank ran a payment for {$920.00} which was declined thank God. That is an example of Synchrony Bank just running the payment anytime they want too. I called to see how and why those payment were ran and after talking to XXXX people, customer service XXXX and a XXXX and neither could explain why that happen ... This company is ran by a bunch of backwoods XXXX!!!! No one there have talked to me about working this out in any way!!!! On XX/XX/XXXX Synchrony Bank can not withdrawal any payments from my account after the {$920.00} without my approval. XXXX XXXX XXXX XXXX has been notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed the XXXX XXXX XXXX account showing on my credit report with all three credit bureaus XXXX, Equifax, and XXXX XXXX and all three bureaus has claimed ACCOUNT VERIFIED. The XXXX XXXX XXXX account reporting on my account is showing an incorrect status of delinquency, incorrect balance, incorrect payment history etc. Ive tried to correct the issue with the credit bureaus but I dont believe I received a fair hearing according to the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Acct no. XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 h it states I have a right to privacy. 15 U.S.C 1681 604 A SECTION 2.also states a consumer agency can not furnish an account without my written instructions.

Accordance with the Fair Credit Reporting Act XXXX  Acct no. XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 h it states I have a right to privacy. 15 U.S.C 1681 604 A SECTION 2.also states a consumer agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Private student loan was sold by Wells Fargo to XXXX XXXX. In the process I paid wells fargo but XXXX XXXX and Wells marked the loan as past due but it was in the middle of being sold. So now the Wells account shows as closed and deliquent and the XXXX XXXX account is on my report. I can't get XXXX XXXX to show me any validation of the debt including any signed contract with them.
Product: Checking or savings account

Funds was removed from my account each month for {$49.00} wouldnt without my consent or permission. It was over {$200.00}. I would like for Navy Federal to refund me my money because those payments was made without my knowledge to defy XXXX for the amount of {$49.00}
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Inquiries were noticed on my credit profile when I was checking my report
Product: Credit reporting or other personal consumer reports

I am submitting to formally dispute an items on my credit report that I believe is the result of fraud. I have identified these items as fraudulent, as they does not belong to me and were not authorized by me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX  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 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 those accounts 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 XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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! 

Delete the late payments from my consumer reports