23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Regardless of how early a payment was mailed, according to Green Tree it was always late. When contacted the represenative would always state that Green Tree could not be held responsible for an untimely payment. After many unfair late peanlties the Green Tree represenative insisted that I allow a payment be deducted directly from my bank accout. I gave my permission for a one time deduction but this same represenative deducted XXXX payments in the same month when only one was due. As a result I incurred over draft fees both from the bank and other vendors who had valid claims againist my bank account. The situation esculated to the point I had to close my bank account. When I called Green Tree no one there would discuss the matter with me and I was never compensated for any of the cost I incurred as a result of the Green Tree represenative 's illegal behaviour.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$850.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1500.00} XXXX XXXXL ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$53.00}
Product: Debt collection

On the month of XX/XX/2020 I CONTACTED PORTFOLIO RECOVERY ASSOCIATES. To dispute a validation about purchased debt from the original creditor XXXX XXXX, in the amount of {$370.00} A DEBT THAT I DO NOT OWN* I tried talking to multiple agents at Portfolio Recovery Associates to removed the False inaccurate account from my consumer report. As a result we were not able to come to agreement to removed this false and inaccurate information from my consumer report I feel my rights have been violated as a consumer and have been taken advantage By XXXX XXXX  and Portfolio Recovery Associates. Section FCRA 611 ( a ) as it states failure to investigate items within 30 days gives reason for deletion immediately. It has been well over 60 days and this account is still reporting to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite numerous disputes with Equifax, they are reporting 2 accounts ( XXXX XXXX XXXX & XXXX ) which are outdated and should have come off my report automatically. I had the same issues with the other 2 credit reporting agencies but they were quick to fix the error. Equifax is an extremely hard company to deal with.They refuse to fix information that is outdated and incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XX/XX/XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I received a letter on XX/XX/year>, stating it would be removed from all credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my Cash App debit card was declined due to no funds. After further inspection I noticed several fraud charges on my card. Within an hour and XXXX the criminals had used my card 5 times all in XXXX and XXXX MA XXXX I live in XXXX, TX and did not authorize these transactions. I notified Cash App and the merchants the same day, but the charges still posted to my account and now Cash App is saying it is not fraud and that the card is 'secure '. The Cash App claim decision number they provided is XXXX. I tried to call Cash App and spoke with a customer service associate who hung up on me. No one is helping me get my charges reimbursed. I have since filed a police report with the MA police and the TX police. Also filed a report with the XXXX  today. Charges total {$1800.00} Please help! 

XX/XX/XXXX XXXX XXXX XXXX XXXX MA {$290.00} XXXX XXXX XXXX  XXXX MA {$100.00} XXXX XXXX XXXX XXXX MA {$530.00} XXXX XXXX XXXX XXXX MA {$840.00} XXXX XXXX XXXX XXXX MA {$100.00}
Product: Credit card

On XX/XX/2023 a SERIES OF UNAUTHORIZED PURCHASES WERE MADE ON MY BEST BUY VISA CREDIT CARD. I GOT IMMEDIATE NOTIFICATION AFTER AN INITIAL CHARGE OF {$1400.00} followed by an unauthorized charge of {$510.00} was made. I immediately contacted Best Buy Visa to close the account as this is my only credit card, which does not have a capability to lock the credit card. 
The credit card sent me a vague notification on XX/XX/XXXX that they are looking into the on unauthorized purchases. On XX/XX/XXXX, I called up Best Buy Visa credit card to let them know that the unauthorized CHARGES ARE STILL POSTED ON MY CREDIT CARD ACCOUNT AND I HAVE NOT RECEIVED A TEMPORARY CREDIT WHILE THE INVESTIGATION IS TAKING PLACE. THE AGENT MENTIONED THAT A CREDIT WAS POSTED ON XX/XX/XXXX, HOWEVER, I DON'T SEE IT ON MY ACCOUNT. 
IT IS NOW XX/XX/XXXX AND I STILL HAVE THESE UNAUTHORIZED CHARGES ON MY ACCOUNT AND I FEEL THAT BEST BUY VISA CARD IS NOT DOING ENOUGH TO COMPLETE THIS INVESTIGATION RESPONSIBLY AND IN A TIMELY FASHION. They claim that I am not responsible for unauthorized purchases, especially in a credit card that can not be locked to prevent unauthorized transactions. I would really appreciate the collaboration and participation of the consumer financial protection bureau to investigate Best Buy visa and verify that they are fulfilling their responsibility and promise towards these unauthorized transactions. I am happy to furnish any documentation.
Product: Debt collection

Conns has violated my rights by calling more than the law allows per week. I have screenshots and call records of the excessive amount of times they try to contact me when my account is not even in collections. It can be a day or two late and theyre calling me multiple times in a day, back to back, and from several numbers trying to get me to answer. The law strictly says that collectors can not call more than 7 times per 7 day period, one call per day! 

The Fair Debt Collection Practices Act States Debt collectors are also prohibited from engaging in conduct that is intended to XXXX XXXX XXXX XXXX XXXX 

The amount of times they call is XXXX and I need them to stop calling me. My account is late, not in collections. I will pay when I pay. 

I should not even owe this debt to begin with. They added interest to this account that should never have been added and I wouldve been paid off by now if they hadnt done so. They refused to remove it and now Ive been paying this off and Im paying over double what the item was even worth! So Im not sorry if Im late on paying a debt I shouldnt even owe!
Product: Bank account or service

I opened an account of Suntrust XX/XX/XXXX because I see a promo while I visit the branch. The banker lied to me he put the code for me to get the bonus, but actually he did not at that time because he thought I was not eligible. He is XXXX, Financial Services Representative at XXXX XXXX In-Store. What a joke he wanted me to have direct deposit first and then he used the code for me to get the bonus whereas the printed term mentioned the opposite step ( enroll promo program with the code, made direct deposit requirement to get bonus ). ( the fact is even I do not make the requirement, there is nothing to do for the fact that he did not put the code as I mentioned. It is absolutely his fault, especially he told me he put it in.It turned out he did not forget but cheat to client ) Be careful of the this address, it is hidden in XXXX, Mail Code XXXX XXXX XXXX XXXX, XXXX, TN XXXX. There is not much banker, you are very highly possible to meet him and you will be crashed. 
After my several call and investigation with phone service, he finally admitted he lied to me and viewed my profile and did re-enter the code which he should do it 2 MONTHS AGO. I got confirmation message from the secure message system about the fixing problem, I have to wait 8 weeks to have the promo. ( so I have actually longer time, if we counted at the beginning moment I met the requirements ). Then I find out he made tricky to my saving account, too. He violated the FEDERAL LAW to withhold my tax in saving account. I am not US Citizen but US person, under my country - US treaty, I should not pay tax of interest at some beginning amount, in other word. I should not withhold tax, but have XXXX form for me to report tax, as any normal people did. I asked him to change the withhold setting and let me have the form, he refused to do it and mentioned I shall call IRS to do the SUNTRUST account TAX withhold setting. I asked to complaint for their saving account setting error, he made up stories for me and refused to put the words as I said. He wanted me to do that complaint form by his word ( who know what he said, he wont even let me look at his screen ) and refused to further help me. It is only because at that moment here are some white people waiting for him to help. I am XXXX, he is XXXX,, but can you not help the front people solve problem, and then try to help next one at the back? The clearly racial discrimination is the only reasonable explanation. Seriously, be XXXX % care to deal with the banker XXXX. I do not show his full name for his privacy, but you know who I am talking to if you get to that branch.
Product: Debt collection

I am writing to bring to your attention a matter concerning Bull City Financials and the challenges I have faced in negotiating a debt settlement with them. 

In light of the financial difficulties I experienced during the XXXX pandemic and as of current, I found myself unable to keep up with various bills, resulting in a debt of {$1500.00} owed to Bull City Financials. Understanding my financial limitations, I approached Bull City Financials with a request to negotiate a more feasible arrangement for repayment.

Regrettably, my request for a new debt negotiation was rejected by Bull City Financials, despite my genuine efforts to reach a mutually agreeable resolution. This denial has left me in a precarious situation, with the debt amount of {$1500.00} continuing to pose a considerable burden on my financial well-being.

I wish to express my concerns regarding the practices of Bull City Financials and their unwillingness to work with me during this challenging time. I believe that a more reasonable and compassionate approach to debt negotiation is essential, especially considering the extraordinary circumstances that led to my financial hardship. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and assess the fairness of Bull City Financials ' actions. I believe that a transparent and impartial review will shed light on the circumstances surrounding my debt situation and potentially lead to a more equitable resolution. 

I appreciate your attention to this matter and look forward to any assistance you can provide in ensuring a fair and just outcome.
Product: Checking or savings account

My name is XXXX XXXX I need XXXX {$100.00} case number XXXX and XXXX {$100.00} case number XXXX my dispute is to be reopened because I didnt receive my order and I have called the dispute phone number at XXXX and press option XXXX to get to the department that handles XXXX department but they say they denied my XXXX disputes and I also called the customer support at wells fargo XXXX and I also asked them for an update on both disputes they also say it was both denied and I want y'all to reopen my disputes because I disagree with the decision and reinvestigation the XXXX disputes or open a new dispute for both disputes and investigate it or change the dispute so I can get my money back for both denied disputes or give me a credit for both denied disputes for {$100.00} and {$100.00} so a total of {$200.00} in credits I am asking for back my online bank username is XXXX please contact me at XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB And here you go XXXX payment Confirmation : XXXX is and also XXXX Confirmation : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. This, IN FACT, is a violation of 15 USC 1681 ( a ) ( 4 ). Not only is this information is NOT reported on my XXXX or XXXX reports but Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. In addition, According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right.

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Equifax has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

Thank you,
Product: Credit reporting or other personal consumer reports

I have hard credit checks on my credit report that I don't recognize. I have not applied for a loan or credit card from these companies.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts from my report because they are hindering me from obtaining credit. I don't recognize these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been placed in collections on XXXX XXXX, 2018 by Midland Funding LLC for the balance {$1400.00}. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt. 
This is not a request for " verification '' or proof of my mailing address, but request for XXXX made pursuant to the above. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec, XXXX { b } that your claim is disputed and validation is requested. 
I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : - What the money you say I owe you is for? 
- Explain and show me how you calculated what you say I owe : - Provide me with copies of any papers that show I agreed to pay what you say I owe : - Provide a verification or copy of any judgement if applicable. 
- Identify the original creditor. 
- Prove the XXXX of Limitations has not expired on this account. 
- Show me that you are licensed to collect in my state. 
- Provide me with your license numbers and XXXX XXXX of XXXX. 

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( Experian, Equifax, or TransUnion XXXX this action might constitute fraud under Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion { to any/all the XXXX major credit reporting bureaus : Equifax, Experian, and TransUnion XXXX requests shall be sent to me immediately. 


If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion { to any/all the XXXX major credit reporting bureaus : Equifax, Experian, and TransUnion XXXX requests shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact ( including computer generated calls and calls or correspondence sent to or with any third parties XXXX be made by your company to my home phone, cell phone or my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has not properly responded to the Affidavit that was sent via certified mail. All violations that are listed within the affidavit are still present. My consumer rights are being violated everyday my file is inaccurate. Experian has failed to do their job which is defined by our governments FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXmail : XXXX Phone : XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : Formal Request for Charge-Off Notification Proof & IRS Form XXXX Compliance Dear Credit Bureau Representative , I recently obtained my XXXX-bureau credit report and was shocked by the inconsistencies in how each credit agency reports my financial standing. 

My XXXX XXXX charge-off has been reported differently by all three bureaus, each painting a conflicting financial picture. Heres what I found : XXXX : Lists the account as Paid Charge-Off, with a last reported balance of {$620.00}. 
XXXX : Reports it as Paid Charge-Off, but lists the balance as {$0.00} with no clarity on the charge-off date.

Equifax : Shows the account as Charge-Off & Disputed, with a different reported amount of {$590.00} and ongoing reinvestigation in progress. 
Why is there no consistency? How can the same account reflect different balances, statuses, and charge-off dates across bureaus? This not only raises concerns about accuracy and fairness but also puts me at risk of misrepresentation to creditors and financial institutions. 

Legal Violations & My Rights Under the Law Failure to Notify Me of Charge-Off ( FCRA Violation XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ) Creditors must notify consumers within 30 days when reporting negative information, yet I was never properly informed of this charge-off. 
I demand written proof that XXXX XXXX notified me before reporting this account as charged-off. 
Failure to Issue IRS Form XXXX ( IRC Violation XXXX XXXX. XXXX ) If Capital XXXX wrote off more than {$600.00}, they are legally required to issue IRS Form XXXX for tax reporting. 
If they reported this debt as a loss to the IRS, I am entitled to a copy of the XXXX form for my tax records. 
If no XXXX was filed, I demand a written letter stating this account was not reported as a canceled debt. 
XXXX Requested Provide proof that I was notified before this charge-off was reported. 
Verify and provide IRS XXXX XXXX or a letter confirming why it was not filed. 
Investigate and update my credit report to reflect accurate and consistent information across all bureaus. 
Explain why different balances and statuses appear for the same account. 
Failure to Respond Will Result in a CFPB & IRS Complaint If I do not receive a response within 30 days, I will escalate this matter to the CFPB, FTC, and IRS, highlighting these discrepancies as potential violations of federal laws. 

This is not just about fixing an errorthis is about holding credit bureaus accountable for reporting accurate and consistent information. 

If you have any questions, you may contact me at XXXX or XXXX. I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX account was flagged for fraud and removed from XXXX. Failure to remove from other reporting agencies. 
Please provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
XXXX finalized the investigation and deleted the file while Transunion never investigated the issue As well as signer of card day it was opened