23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act XXXX Acct # XXXX Dear XXXX XXXX XXXX, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. 
If you are not aware this entire claim is regulated by an arbitration agreement with *WEBBANK*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 
With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. 3. A settlement agreement that I may retain for my records.

Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 
Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 
Sincerely, XXXX XXXX
Product: Debt collection

I sent an email to XXXX for verification of debt. To date I have not received any information from them, only a phone call. I have requested several times that they send me information detailing the debt that I owe, they will only state the information on the telephone and will not provide me with written verification of the debt.
Product: Mortgage

I have contact my current lender bank of america back in XXXX to request a loan modification due to my reduced income. I was told that unless I 'M LATE OR BEHIND ON THE LOAN I WOULD NOT QUALIFY ... Their representative clearly ADVISED ME TO STOP PAYING MY MORTGAGE IF I WANT THE MODIFICATION OFFER SENT TO ME ... ..With no other options offered to me I followed their instructions and stopped paying my mortgage. After I got an offer to modify my loan, representative assured me that if approved that all mortgage lates WOULD BE DELETED from my report. HOWEVER, 3 YEARS LATER THEY STILL HAVE NOT DELETED THE LATES WHICH THEY FORCED ME TO INQUIRE. I have been trying to reason with bank of america since XX/XX/XXXX but all I 'm getting is computer generated mail and no results or any attempt on their end to resolve this issue. Because of these lates now i can not refinance my house or get a better loan .... AND NOW BANK OF AMERICA CALLED ME OFFERING TO DO A DEED IN LIEU OF FORECLOSURE.. WHEN I 'M CURRENT ON MY LOAN ... they are desperately trying to STEAL MY HOUSE by ruining my credit and ignoring my request ... please help!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, New York XXXX Account Name : American Express Account Number XXXX XXXX Date Opened : XX/XX/year>2024 Subject : Formal Demand for Account Removal Final Notice Before Legal Action Dear Consumer Financial Protection Bureau , I am writing to formally demand that American Express and XXXX immediately remove the fraudulent account listed above from my credit report. If this issue is not resolved promptly, I will pursue legal action to enforce my rights under federal law. 

Legal Violations Committed by American Express and XXXX 1. Unlawful Reporting of an Authorized User Account ( FCRA Violations 15 U.S.C. 1681 et seq. ) I was only an authorized user on this account, not the primary account holder.

Under FCRA 1681b, American Express must have my written consent to report this account under my name. No such consent was ever given.

2. Misuse of Payment Information False Liability Assignment American Express falsely claims that a payment from my business checking account proves ownership of this credit card.

This is legally incorrect and a deceptive financial practice. A third-party payment does not establish legal liability for a debt.

This misrepresentation violates FCRA 1681s-2 ( a ) ( Furnishing Inaccurate Information ) and the Truth in Lending Act ( TILA 1026.12 ), which states that authorized users are not liable for debt.

3. Unlawful Credit Reporting No Permissible Purpose FCRA 1681b requires that a consumer provide written authorization before a financial institution reports an account under their name.

Since I never agreed to be personally liable for this account, American Express and XXXX have violated this law by reporting inaccurate information. 
4. Failure to Conduct a Reasonable Investigation ( FCRA 1681s-2 ( b ) ) American Express has refused to provide : A signed contract proving I agreed to be liable for this account.

Documentation proving I authorized this account to be reported under my credit.

Evidence that I linked my business checking account to this credit card. 
Since they have failed to produce this evidence, they must remove the account immediately.
Product: Debt collection

Not sure who this is but they keep sending a recorded message to my job asking for me and reveling personal information.
Product: Credit reporting or other personal consumer reports

Im frustrated by the errors on my report that are unfairly dragging down my scores and limiting my opportunities. These mistakes have already caused setbacks that I shouldnt have to deal with.
Product: Checking or savings account

I used my debit card at a gas pump and pump was broken, i filled up my gas tank but, the gas pump meter continue to run and charge me money for gas i did not get. My car 's gas tank holds 12 gallons and the gas pump charged me close to a {$150.00} ( this is more gas than would fit in my gas tank ). i tried to fix with gas station but, they could not fix and they told me to call my bank. i filed an unauthorized charge for {$98.00} claim but, my claim was denied. I was charged XXXX but, did not recieve gas for XXXX i want my XXXX refunded back to me. I've filed complaints via email with my senator marco rubio, my congressman john rutherford. i also filed and submitted a consumer complaint form with florida attorney general 's office ashley moody.
Product: Credit card

I have been trying to request the application of SCRA benefits to XXXX closed Synchrony Bank accounts. I sent Synchrony a letter on XX/XX/year>, I called them numerous amounts of times and they gave me a phone number which was supposed to be the department that could help me, and it ended up being a spam phone number. Though these XXXX accounts are closed, I am able to receive the SCRA benefits for them due to my husband being an XXXX XXXX XXXX in the XXXX.
Product: Debt collection

XXXX has put me in collection and my debt was paid. I was not told I was going into collection as I was not aware of this at all. When I received the paper stating that I was in collections is when I paid the balance of {$430.00}. This was disputed and was suppose to be taken off my credit report as it is not. I just recently purchased a vehicle and it effected my monthly payment as it shows I am in collections. When I had fought this several years ago I was told it would be off and again it is n't and it is effecting anything I need to do in the future. I am not happy with this as XXXX is a big company and was paid with no problem. The collection name on my credit report is called GC Services on XXXX/XXXX/13. I would like this to come off my credit report so it does not effect me purchasing a house in the future, as stated it already has effected me purchasing a vehicle. I do not have any other debt on my accout as I pay everything on time and do not have anything out standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS 14 INQUIRIES THAT I HAVE NO IDEA WHERE OR WHY THEY ARE THERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Product: Checking or savings account

Trying to connect my PNC account connected to XXXX, There has been problems in the past connecting to other third party apps like XXXX, XXXX. ETC
Product: Student loan

I been trying resolve this issue multiple times they still calling me. First off I dont got a high school diploma or GED never been outside XXXX ny and for someone use this for student loan at XXXX XXXX XXXX is very ridiculous. I got a police sent it in want accepted it the person who got over $ XXXX is making payments back tho ED financial services but want send me who making these payments they stole my identity i need file lawsuit against the school and ED Financial Services
Product: Debt collection

I took a major pay cut from my job and had to switch jobs, I can't afford to pay any of my bills and I stopped paying. They continue to call me and all my references asking me to pay and threatening to sue me. They call me at least six times a day from different numbers. My block list is long. I'm tired of vetting calls for real ones.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to XXXX XXXX where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for EXPERIAN, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit card

Well I was trying to make a payment and charged the wrong bank and they closed my account on the XXXX I believe I have capital one banking I had called to request an account reopening and they weren't very helpdul
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled as to why your company continues to report errors on my report. 90 days ago I sent in an FTC Report showing my claims along with several documents. I called back to follow up and was told that maybe my documents have gotten misplaced. This is how credit breaches are formed and just recently I found out that my information was leaked in a past breach. This current dispute is being sent to you as an internal dispute and as well as an affidavit. Well this isnt the first time that this has happened to me. Well Im hoping that this is reviewed by a supervisor and not some careless person or robotic computer. I have attached a few documents down below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this.
Product: Credit card or prepaid card

1 ) Citi Thank you preferred closed my credit card account with out any notice on XX/XX/XXXX. 

2 ) I reached out to citi credit card they said letter is sent on XX/XX/XXXX specifying reason to close my account. but letter should arrive in 7-10 business days. I am waiting for letter. 

3 ) There were more than XXXX $ in reward programs that card issuer owe me but i asked citi tXXXX XXXX on phone it says my rewards program money is forfeited as they decide to close my card. 

4 ) I have mostly paid all amounts in full and never went overdue for payment. 

5 ) They did not give notice in advanced to forfeit and robbed my XXXX $ money that i was trying to save as my rewards. 

6 ) For communication now card issuer is asking to complain or ask at card service support unit by mail that is so ridiculous in the world of internet. They want me to mail a complaint by letter which is rare. 

7 ) I received letter one month in advanced for checking/savings accounts closing so i could take actions properly and create another account with different bank. But that letter had nothing mentioned about credit card. Also i talked to citi credit card customer services they said closed checking/savings account will not affect to my credit card and i continued using citi card after that too. 

I am outstanding credit user and this is ridiculous from card issuer. I want justice and my money back without affecting my XXXXredit score. I have paid full balance + advanced interest charge too so that nothing can impact my credit score.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX 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

There is fraud information on my account for my living situations. I have never lived at these addresses. I believe it is Identity theft.
Product: Checking or savings account

I XXXX XXXX XXXX XXXX XXXX and Chase Bank is the financial institution that the company account is set up with. On XX/XX/2024 a check was deposited into the account. The check was made out to the beneficiary of the XXXX XXXX XXXX XXXX XXXX XXXX It's normal procedure for a payee to sign the bank check and the XXXX XXXX to deposit the signed check into the XXXX XXXX  account. This has been done many times before without any inconvenience to the business or the payee. The check was put on a 7 day hold and once the 7 days were up the check was cleared Into the business account. I received a message from Chase Bank informing me that I needed to contact customer service support. Once contacting them I was told there was a restriction placed on the account and all funds were frozen. I can't even access funds not associated with the check! Customer support stated that a verification process was needed to release the freeze on the account and the ONLY way to do this was by phone verification. I provided the bank with the check holders phone number and I was told that the number provided wasn't an identifiable number for the check holder. Due to the sensitivity of there being a deceased person involved, this verification process should've been done prior to cashing their check which would've been easier to return and at least the family could make other arrangements for providing payment to the XXXX XXXX  instead of tying up their funds. When a person passes away an insurance company doesn't just issue a check to the beneficiary, there is an extensive verification process between the XXXX XXXX  and the insurance company ( social security number, date of birth, signature, address, full name and notarization ). I was confident that the requested information was and should be identifiable as there were no issues with the insurance company to verify with the funeral home and issue the payment to the beneficiary. Now we have a deceased person in our care and because the phone number isn't identifiable to the check holder I can't even return the check to the family to move forward with purchasing merchandise and services for the deceased. Everything is at a standstill while their deceased XXXX XXXX XXXX XXXX Please help!
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX XXXX I am writing because I am a victim of Identity theft, and I need the inaccurate information to be deleted OFF my report as soon as possible. My reputation is being affected by this inconvenience please HELP.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. 
I kindly request that you block this XXXX XXXX XXXX Account number XXXX information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681i ( a ) Reinvestigation of disputed ( I ) Reinvestigation information Notice is of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than b business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency, ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) - ( 1 ) a statement that the reinvestigation is completed ; ( li ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( li ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information/contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. " XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : US Bankruptcy Court # XXXX Accounts : XXXX XXXX company # XXXX Accounts : XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX  XXXX Accounts : XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

We refinance our loan with Loan Depot in XXXX of XXXX. Our loan representative was XXXX XXXX. My wife and myself advised her numerous times during closing that we live in a rural area and do not receive mail at our physical address. All our mail is delivered to our po box at the post office. Attached is an email dated XX/XX/XXXX to XXXX XXXX regarding the XXXX XXXX XXXX. 

After our loan closed, I set up recurring direct deposits with my bank using the Loan number XXXX that was provided on the closing documents. On XX/XX/XXXX I received a delinquent notice from Loan Depot claiming that they had not received XXXX and XXXX payments. I immediately contacted my bank and was told that Loan Depot had refused our payments and returned them. I contacted Loan Depot and was told that my loan number had been changed to XXXX and my loan was moved to Loan Depots servicing center in XXXX XXXX New Jersey XXXX I explained to the Loan Depot representative that I did not receive any kind of notification that my loan number had changed or moved to a different address. The representative then told me that my statements and notifications were mailed to my physical address and not my po box . Even though my XXXX and XXXX payments were received on time they returned the payments to my bank and reported the payments as late to the credit reporting companies, thus damaging my credit score. I tried resolving this issue with our loan representative XXXX XXXX only to be told by her manager that all complaints must go through their Customer Care Department. Ive written numerous letters to the Customer Care Department explaining what happened and to remove the delinquent reporting on my credit report. Each time I received the same form letter that they were unable to accommodate my request. I then contacted the XXXX and received the response below from Loan Depot dated XX/XX/XXXX. 

It was determined that XXXX XXXX did advise his loan officer that all mailing should be sent to his XXXX XXXX XXXXXXXX address at the post office as he does not receive mail delivery at the physical property address of XXXX XXXX XXXX XXXX, XXXX AZ XXXX. As a result, he did not receive the servicing transfer notices dated XX/XX/XXXX, or the notices dated XX/XX/XXXX and XX/XX/XXXX advising the monthly payments were sent to the incorrect payment address and forwarded on his behalf. 

Loan Depot refuses to acknowledge their employee XXXX XXXX was negligent in her duties and responsibilities and did not follow my written instructions to correct our address. Her lack of attention to detail created the chain of events. I was never afforded the same courtesy as other Loan Depot customers of receiving the servicing transfer notices that my loan number and servicing center had been changed. If I did this never would have happened. 

Im asking that Loan Depot accept responsibility for their employees actions to which they have admitted in their XXXX  response above and remove the delinquent reporting on my credit report. 

Sincerely, XXXX XXXX