23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am submitting this to formally request the removal of this account from my credit report. The account in question is negatively impacting my credit score and financial opportunities. 
XXXX XXXX XXXX  Balance Owed : {$780.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This account has violated my rights ; Validate Account XXXX XXXX XXXX 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. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX  XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit card

I applied for a XXXX XX/XX/XXXX with 0 % intro APR. After some time I contacted a sofi customer rep online and asked when the intro apr grace period was over, they told me XXXX, but before XXXX came they were already charging me interest on my card. I reached out to Sofi with a screenshot of the conversation and they said they couldnt help me. I reached out toXX/XX/XXXXand after some time they refunded half of the interest charge, but not the full amount. I want them to refund the full interest charge because they gave me wrong information, because of this I was charged interest on my card. I have a screenshot of the convo.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXX/XX/XXXXaccount [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

The apartment complex, XXXX XXXX XXXX & its agent, XXXX XXXX at XXXX, make the unlawful and fraudulent claim that I owe them {$2100.00}. I was physically attacked by one of their residents, XXXX XXXX ( aka XXXX XXXX ) in XX/XX/2018. Because of that, XXXX XXXX and XXXX XXXX attempt to misrepresent that I, as the victim, was the attacker and deserved to be attacked. They have sent a bogus claim of {$2100.00} to a debt collection agency, National Credit Systems , Inc., XXXX XXXX at XXXX. Each time that I write National Credit requesting that they validate the charge, they respond back with a picture of a " TOE '' and pictures of other images unknown to me and disputed by me. Instead of validating the claim at my insistence, XXXX XXXX, XXXX XXXX, and National Credit create more untrue and bogus lies to try and justify the above said amount. This erroneous information now wrongfully lies with the credit reporting agencies.
Product: Money transfer, virtual currency, or money service

Conversation was started XX/XX/XXXX about an apartment ad. It went back and forth and a decision was made to move forward. A lease agreement was signed and I was asked to put down a deposit ( {$1000.00} XXXX and they would not accept anything but a wire transfer. It was sent from XXXX to Bank of America to the landlords account. After that I was harasses to send money amounts and payments outside the perimeters of the lease agreement that I signed and I refused and decided to exercise my right to a refund as stated by the lease I signed. I received lots of push back and avoidance of the issue. I had even received and invoice for the deposit but they still refused to refund me. Then they proceeded to no longer answer my calls or emails. I then contacted XXXX to reverse the transfer, who then contacted Bank of America. Bank of America said they could not reverse the transaction because they could not get a hold of the account owner. This is why I believed I was scammed. I have email and text records of the conversations, a signed copy of the lease and an invoice saying that I am entitled to my money and the account number the money was sent to is on the lease.
Product: Checking or savings account

My account was overdraft multiple times. Also Ive seen and reported fraudulent use of credit card as well as checkings & savings.
Product: Credit reporting or other personal consumer reports

It is my understanding that FCRA 605B necessitates removing any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Consumer Loan

I took a loan with rise credit for XXXX and I was unable to make timely payments. I expected to pay it once I received my tax return. However, it went to collections and then a lawyer and they added so many penalties and fees. Now I owe XXXX for a XXXX loan. Now, they are garnishing 25 percent of my paycheck and I 'm already struggling as it is.
Product: Credit reporting or other personal consumer reports

I requested that the credit bureaus do a theral review of my credit files to be sure that everything was reported accordingly, they did but when I review my report by myself i find many inconsistencies. and the debt listed is not mine and can't be proven as they are fraud, I am a victim of fraud. Being aware of the fair provisions of the fair debt collection practices act ( FDCPA ) I'm requesting full validation. proof that I am the party responsible for the debt and that there is some contractual obligation which is binding on me to pay it. In accordance with the fair credit reporting act convergent account listed have been violating my rights 15. usc1681section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

In 2017, Discover Cards started airing a promotion and still have a promotion on its Discover IT card, that states no late fee charged if a payment is missed. I saw this on the TV and called to confirmed the advertisement with a Customer Service representative that confirmed that it advertisement was accurate. I asked if this I could use it and it was affirmed that I could. I soon learnt the hard way that their advertisement was not accurate. Following using the purported information of the advertised promotion but line of credit was decreased. Immediately I called to inquire why my credit was reduced and I was told that it was due to missed payments. 
You see I have been a customer for over 17 years. For the past 5 years, I have been paying down my balance on the card. With a credit line of XXXX, my balance in 2017 was about {$6500.00} which I was looking to pay down. I was dismayed when I realized that they not only decreased by card from {$16000.00} to {$6500.00}. Following the decreased Discover card, representative started contacting me that my balance was close to my credit limit. What were they expecting? When an organization reduces a customer 's line of credit to a few hundreds close to what they owe obviously the balance due would be close to the available line of credit until the balance is paid down. 
I am requesting your assistance to have Discover Cards stop its false misrepresentation/ false advertising as it is not exactly what it confirmed to the customers. Also, Discover Ad is misleading and once a customer uses their deceptive ad they are charged late fees contrary to what the customer was made to understand would be the outcome. 
In addition, I am requesting that all the late fee charge be reversed. And, I should be put in a position I would have been should I have not used this promotion that stated no fee charge for missed payment. 

I can be contacted on at XXXX XXXX XXXX XXXX Thanks for your immediate assistant. 

XXXX XXXX
Product: Debt collection

A third or fourth party called Convergent has contacted me on a debt I do n't owe. In fact the company they say they represent has been bankrupt for a number of years now, I have to assume they got my information from that company which I did do business with about a decade ago. It was a bank. I had an account with them until they went out of business but it ended with no debt. I merely had a checking account with them until it closed. I suspect this is a very shady company and I am concerned my info is being sold on the open market illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiry made by XXXX
Product: Credit card or prepaid card

I filed a complaint with my credit card company XX/XX/2017 regarding a vacation to XXXX we didn't receive what was described the company acknowledge that there were several complaints made and agreed to refund {$1500.00} from a letter sent from my credit card company. I have followed up with my credit card company regarding the credit back on my card they continue to tell me I have to complete another dispute indicating the company has not credit my card back. My credit card company indicated I should follow up with the resort so that they can put the credit back on my card. I have made many attempts with the resort to process the refund with no success.
Product: Money transfer, virtual currency, or money service

Dear CFPB, It appears that PayPal has once again frozen our account requesting the very same information they requested the last time they froze our account. PayPal is requesting documents which are not possible to provide in XXXX. Now they have even prevented my account from receiving funds from my clients and important donors from all over the world including the U.S.. PayPal is requesting utility bills as proof of business location in a country ( XXXX XXXX that still receives their mail in po box es at the post office. There are no utility bills that are issued to a business location in this country. All utility bills are sent to the listed po box . As a result, it is not possible to provide a utility bill as proof of business location. I have instead provided our business registration document which was issued in XXXX from the government of XXXX. It has the business location as an approximate area. But because it was not issued within the last 12 months, PayPal is saying they can not accept it. This makes it impossible to provide PayPal with what they are requesting since the government can not re-register us as a new business when we were registered back in XXXX. I am re-opening this case because PayPal is conducting the very same unethical account limitations as the first time I raised this complaint with XXXX  and The Consumer Financial Protection Bureau. I am requesting that the XXXX  provide me with assistance again so that this case does not arise again. I am also requesting that PayPal stop limiting my account just because I have done business in excess of USD {$200000.00} and I happen to be from XXXX. What they are doing is highly discriminatory and unfair. We raise funds as a church to feed hungry people in XXXX. The limiting of our account and the delayed responses after requested information has been submitted is very unprofessional. Since this is happening for the second time, we at XXXX XXXX XXXX XXXX request your immediate assistance. 

Kind regards, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 15USC 1681B the consumer has right to fair credit reporting. The accounts are not reporting maximum accuracy and are in violation. Delete the accounts immediately for violating 15USC 1681B. 


Accounts to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Greetings! For the past 3 months ( 2020 ) now I have humbly been working to clear up any and all errors on my credit report. In XXXX, XXXX and XXXX I have been working on asking the credit bureaus along with some companies to correct their wrong. I followed the blueprint I was allowed given the USA Law on the dispute process however these companies have gone to great lengths to violate and break the law. Now that they have done so month after month after month. I am humbly asking if you could please help me correct their error. They did not prove or validate anything to me according to the supreme law of Credit Reporting 3 months in a row. I am now  asking to please have them correct their error. 
XXXX sent me a letter of a bill.. I don't ever recall walking or stepping foot into a XXXX  in mylife. 

This was like the time Soneone had open a XXXX XXXX card and I never still till this day walked or been inside a kays. I had that removed also. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ),. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter dated XX/XX/XXXX from Equifax address XXXX XXXX XXXX XXXX, GA XXXX states Credit Score is XXXX when online report accessed via XXXX XXXX clearly shows XXXX, which is already being disputed via CFPB. 

CURRENT PROBLEM relates to above noted letter that lists Two Contact Phone # 's ... .NONE of which provide option to SPEAK with Equifax Customer Service Representative. ( XXXX ) XXXX only gives options to Freeze or Place Restrictions on Credit which is NOT my issue ... .BUT letter States : " The confirmation number for this Score Report is : XXXX. If you need to Speak with a customer service representative concerning the information on this Score Report, please call ( XXXX ) XXXX and have the Score Report confirmation number available ''. 
** After 20 minutes of Only reaching automated prompts that do NOT give me option to SPEAK with anyone. 
Attempted to Speak with representative via XXXX which Does give Option ( # 5 ) to speak wirh representative related to OTHER ISSUES ... .however I was automatically disconnected TWICE even though I followed Prompts Instructions. 

I am working to refinance my mortgage and the inability to EASILY reach Equifax to resolve an error related to a 52 Point Score DROP on my Equifax Credit Score is what I'm Trying to dispute since NO factors reported in the What's Changed section of Equifax Credit Report updated on XX/XX/XXXX would cause a decrease ... .the " What's Changed '' section for XX/XX/XXXX Report Correctly shows balance REDUCTIONS on 4 accounts which resulted in a Six Point Increase on my XXXX Report. 

RECAP : ... This complaint is to notate my inability to SPEAK to a Customer Service Representative using the telephone numers provided in letter from Equifax that Incorrectly states my Credit Score as of XX/XX/XXXX is XXXX ... when on this Dame Date the Equifax Online Report accessed via XXXX XXXX clearly show XXXX?? 
This ERROR by Equifax has had a negative impact on my ability to obtain a mortgage refince loan AND NOW ... .I simply can not reach a LIVE body at the Equifax Phone Numbers Provided BY Equifax in letter dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX, I initiated formal disputes with Experian in order to rectify the inaccuracies pertaining to my student loan balance held by XXXX. Regrettably, my application for an apartment today faced rejection due to the persistence of these erroneous student loan balance reports by Experian. To clarify, my actual student loan balance stands at {$54000.00}. Furthermore, my credit report includes erroneous collection entries, specifically regarding medical expenses that were, in fact, settled by XXXX. 

I have taken proactive steps to substantiate my claims by submitting pertinent documentation to Experian. These documents provide conclusive evidence of both the repayment of my student loans and the correct balances associated with them. Additionally, I have furnished proof of the inaccuracies within the collection entries. 

I kindly request that Experian promptly address and rectify these discrepancies, as they are adversely affecting my creditworthiness and, consequently, my ability to secure important financial opportunities. Your timely attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to NEW RES-SHELLPOINT MTG for the account number XXXX and notify them of their error posting for this account. It does not compliment what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, and physical firsthand documentation of the payment history but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
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, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX # XXXXXXXX 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 1681i ( 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 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 card

The company XXXX wanted to hire me to purchase products for their XXXX business partners. This company starts by paying off your credit card balance so you can purchase the products for them in the amount of your credit card balance. XXXX does not ask for your credit card number, they give you a bank routing & account number for you to make the payment on line or by phone. The payment processes and shows posted 3 days later. Then you are asked to make the first purchase which are gift cards. After XXXX received the gift cards information I find out the credit card payment of {$5800.00} was reversed and now my balance is double. Chase card stated XXXX was not authorized for them to use the bank account info they gave me for payment. Before I made any purchases I called Chase Card Services on XX/XX/XXXX to verify the posted payment and I asked them if the payment could be reversed. The person I spoke with stated to me the payment could not be reversed after its been posted. I made sure the service rep. I spoke to typed in our conversation on that day & the notes are in the system. If I would have been told that this payment could in fact be reversed I would have never made the gift card purchases. I was given misleading wrong information, I feel Chase Card Services could have helped me avoid this scam / fraud situation. Additionally I was not informed about this large payment reversal. I would think someone should have taken some security in my account for my protection. I 've been a card member since 1999 and Chase decided to close my account because of this situation. I have emails, name & phone number for this XXXX company.
Product: Checking or savings account

I switched from Regions bank in 2021 because their overdraft fees was rediculous and overdrafts was shady like one month it would only let me overdraft by atm, the next it would only approve in store transactions, sometimes it would only approve certain transactions such as phone bill water bill. It made no sense.They charged me {$1200.00} overdraft so I switched banks and have had no problems since.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate These accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX