23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I request the removal of the following items from my credit report : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are inaccurate and violate the Fair Credit Reporting Act ( [ 15 USC 1681e ] ( b ) ). Your agency must ensure the information you report is correct.

Additionally, under [ 15 USC 1681b ] ( a ) ( 2 ), you have shared my confidential information without my permission, breaching my privacy rights as per [ 15 USC 1681 ] ( a ) ( 4 ).
Product: Credit card or prepaid card

Between XXXX XXXX and XX/XX/XXXX there were multiple fraudulent " rubber checks/payments '' and charges made to my credit card during the time my identity was stolen. When Capital One 's " Credit Wise '' program alerted me in XX/XX/XXXX of the odd activity on my account, I immediately contacted Capital One claiming my account was hacked, that {$1300.00} in fraud charges were made and that my account needed to be locked. I cut up my credit cards, filed a local police report, and Capital One stated that their " FRAUD '' department was going to investigate. ... ... Well here we are 3 years later and in XX/XX/XXXX I get a letter from a collection company saying I owe {$3600.00} on this card, that CAPITAL ONE CLOSED, due to fraud. Even though I was making payments on the amount of money I personally owed on the account. Since XXXX I have spoken to number Capital One agents in both the Recovery Division and the Fraud department, and NOTHING as been done. Every time I call them to check the status, either no one knows what is going on, or they say my information has to be " RESUBMITTED ''!? Um, I thought it was submitted the last time we spoke?! I am trying to get a MORTGAGE and this is ruining my credit and the pre-approval amount I am allotted! This company is one of THE WORST CREDIT CARD COMPANIES EVER! I had this card opened since XXXX, and this was how I was treated! I would never suggest anyone use them! Not even their supervisors can ever do anything to help you! It's absolutely ridiculous! 3 YEARS OF FRAUD!!!! I received a call today XX/XX/XXXX from a fraud department agent stating that they were not going to change anything because my credit card had a chip on it and because I physically had the card with me, that it could not be fraud. Well sorry to break the news, but in XXXX chip readers were fairly new and not installed yet in all stores. Also, it is very easy for someone to steal your cards information and create a duplicate card, with a chip, and us it as if it were you! They will not do anything to help me at all. This agent apparently has no clue, or chooses to be naive about the fact that nowadays many people create fraudulent cards with real information, that they use for in-store purchases. I didnt know that was a thing I thought most fraud was either with ( physically ) stolen cards or online with card information which was jotted down. I didnt realize that people created fake cards with information from real cards.
Product: Mortgage

On XX/XX/XXXX, in a letter dated XX/XX/XXXX I received via US mail notice that our mortgage with XXXX XXXX  had been sold and transferred to Select Portfolio Servicing Inc effective XX/XX/XXXX. This means that we were not given the requisite 15 days notice of this transfer. Given our payment is already being transferred via autopay, we are unable to cancel payment tXXXX XXXX XXXX. I'm concerned that the company is already not respecting our rights with this blatant late notice of service transfer. I would like to ask for CFPB to evaluate if this transfer is legal.
Product: Debt collection

I have a XXXX XXXX card and it went into collections after I had some trouble with changing my account while I transitioning out the military. Any way I have been trying to resolve this debt for a while and even offered to pay month to month. One guy I offered that to denied the payment and said it wouldn't be enough. I believed I offered XXXX dollars a month since that was what I can offered at the moment. I then called back and tried to offer a settlement since they took around XXXX $ from my tax returns. When I get a notice in the mail and the statement shows how much I owe it is from XXXX XXXX and not from tsi. Tsi tells me its like XXXX-XXXX  more then the statement says when I try to pay them. I called tsi again just recently and tried to get information on all the options I have to handle this account and the operator quickly got disrespectful. She rushed me and said I can pay in full now or set up a payment plan and if I can't do that its nothing she wanted to talk about. I then just told her again I just wanted a little more information she then said she not arguing with me and then tried to hang up on me, she said goodbye. I then remained on the line and she came back on disrespectful again and I just said I was trying to have a real conversation so I could get this cleared up. I then asked for her managers number and she gave me this phony number that rung once and auto reply answered and replied I have reached an unassigned number TSI and hung up. Here is the number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax continue to report inaccurate information onto my consumer report. Equifax has not provided me with any documentation to prove I was indeed on late during these months that they are alleging I was late please take note the other XXXX credit bureaus are not reporting this account and the information but match across the bureaus. I would like to know who exactly Equifax spoken to to verify this debt. 

) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have audited and sent BANK OF AMERICA a billing error notice and a cease and desist and I have multiple open unresolved complaints with BANK OF AMERICA through the consumer financial protection bureau.they have just taken adverse action against me by reporting to credit reporting agencies XXXX, XXXX, and XXXX ; that I have not made a payment and that an alleged debt is owed.Pursuant to.12 CFR 1026.13 until a billing error is resolved adverse credit reporting is prohibited.They have fraudulently reported I missed a payment and that a false amount is owed.BANK OF AMERICA now subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of 12 CFR 1026.13. be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. This adverse action will forfeit BANK OF AMERICAS rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold them liable under 15 U.S.Code 1693m for the actual damage caused to I, as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to provide required documentary evidence as requested to clarify and revolve the previously addressed billing error. They have not provided the documentary evidence requested pursuant to 15 USC 44 and IRS publication 583 both journal and ledger including any and all accounts made using my intellectual property and signature associated with this account both public and private.They have not provided me a full full disclosure requested pursuant to 15 USC 1681g either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

It was completely shocking to see inaccurate accounts appear on my credit report today. I have no idea where these discrepancies came from, as I regularly check my credit report and never had issues before. I refreshed my browser, hoping it was just a glitch, but the wrong information remained. Because of this, Im requesting a thorough review of the documents Ive submitted to ensure I dont have to deal with this XXXX  again.
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute submissions regarding inaccuracies on my credit report to your agency, clearly outlining the accounts and violations observed. Despite repeated attempts, it has been over 30 days without any response from your end. 

Attached are copies of all previous correspondence for your reference. 

I urge immediate attention to rectify these discrepancies, as they are adversely affecting my financial standing. 

Thank you for your prompt action on this matter.
Product: Debt collection

This is my second attempt at getting a resolution with a Mobile bill that has been placed in collection. It was originally placed through XXXX XXXX XXXX when I reported it to your organization. XXXX response was that, " The account was placed in a disputed status and collection activity was suspended. On XX/XX/2022, we mailed you documents obtained from XXXXXXXX validating the balance they state is owed. In addition, you were also mailed a fraud packet. In an attempt to help you find resolution '' The above statement is false. I never received a packet, if I had I would have taken care of this issue. I do not want to waste your organizations time, but I need assistance with resolving this matter. I am asking that XXXX proved proof with my signature on a contract dated for the dates of service. I have requested this from XXXX and they have not been able to provide that information. I appreciate any and all support you can provide. I am retired and live on a fixed income and would like this matter resolved once and for all. Thank you so much.
Product: Credit card or prepaid card

XXXX XXXX I noticed that there were several unauthorized charges to my card and I notified Regions Bank and XXXX. I was told to allow the pending charges to clear and I could dispute them along with the other charges that totaled {$930.00}. I received specific instructions from Region how to handle a situation of this nature in XXXX and the next month when I became victim I followed all the procedures I contacted the bank the same day I noticed. All the transactions occurred between the XXXX and XXXX of XXXX I cancelled my card contacted XXXX and informed them of unauthorized charges which had happened for the third time with their company. I was told by Regions I would receive paperwork as to why my dispute was denied over 5 times and as of today XX/XX/XXXX I have yet to receive any evidence that an investigation was ever attempted. XXXX admitted my account may have jeopardized yet refused to refund my money. This whole situation was even publicized on the Alabama news stations and other banks vowed to refund customers their money. Regions has been dishonest and unprofessional and violated their own written polices and procedures.
Product: Checking or savings account

The South State Bank ( hereby referred to as " the bank '' ) withheld a payment ( car insurance ) that it was already showing as processed. The payment was made automatically and showed as paid in my account on XX/XX/2022. 
On XX/XX/2022 the bank somehow withdrew several smaller debit items ( enough to cause a negative balance ) that were made more than 1 day in advance, then claimed to " process '' the car insurance payment causing 2 overdraft fees. I am also signed up at the bank so that no payments will clear if there are not funds present. I am accusing the bank of fraudulent practices resulting in overdraft charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX XXXX XXXX, NC XXXX XXXX Reference # XXXX NOTICE OF DISPUTE To : JEFFERSON CAPITAL SYSTEMS LLC. , agents, representatives, & employees I, XXXX XXXX XXXX , a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME WITH VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSIST OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to non-affiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you an accomplice.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESNTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING!!! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 


Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint stating that there were inaccurate data being reported by the bureaus. They claimed it was verified. I requested that proof be provided from the bureaus showing their method of verification as well as any evidence to support this claim. I never received anything. I have attached copies of recent credit reports showing different information being reported between two bureaus for the same account. This is a blatant violation and proof that the information was not verified. I have given more than the time allowed by FCRA laws and will sue if I am left with no other alternative. This must be updated per my request to remove the late payments and reflect paid as agreed immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrating proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure that XXXX complies with the federal law and provides consumers with the necessary proof of investigation. This is the account that I have marked as inaccurate. 
Account : XXXX XXXX XXXX Account # XXXX
Product: Debt collection

XXXX XXXX performed a XXXX  test ordered by my doctor and submitted an insurance claim that did not contain the correct diagnosis codes ( these codes were provided by the doctor but quest failed to use them properly ). On attempt to resolve this, XXXX  refused to allow me to speak with a billiing representative and insisted that the claim was filed correctly ( XXXX XXXX XXXX XXXX XXXX XXXX  I can confirm they were not acting in good faith here ), and refused to correct or alter their claim. Knowing what the particular service is " worth '' ( based on public infomation provided by XXXX ), I made a payment to the collections agency with a " Final Settlement '' notation, knowing that I had paid over XXXX the reasonable value of the service ( though not the 1200 % charge amount they were attempting to collect ). They also refused outright to negotiate by even XXXX XXXX, when the representatives know very well that an insurance company would not ever consider paying over {$250.00} for a test valued under {$20.00}. This practice exists blatantly to take advantage of consumers and extort as much money out of them as possible. 

As most courts have historically upheld personal checks as binding contracts, the endorsement of the check marked Final Settlement by the collection agency represents a legal agreement by the debt collector as acceptance of the check amount ( XXXX ) as full and final settlement of the oustanding debt. There is no place for them to endorse ( aka, agree to the terms of ) a check and simply ignore SOME of the terms but not others indicatred on the front of the check. 

I have communicated repeatedly with XXXX XXXX and CCS ( the debt collector, " Credit Collection Services '' ) but neither corporation had any interest in resolving this matter with any sort of respect or understanding for the consumer/patient, nor were they in any way willing to admit that they are, in effect, price gouging and taking advantage of patients at their most vulnerable times, not even willing to provide any administrative relief ( ie., modifying an insurance claim to provide additional information that was initially omitted from the claim ), nevermind financial. 

All information/addresses/telephone numbers can be found on attached documents for XXXX XXXX and Credit Collection Services.
Product: Checking or savings account

I have several unauthorized charge to my savings account from XXXX XXXX of them is XX/XX/2021 for the amount of {$4200.00}. There are over {$12000.00} in charges. I have tried to dispute this charge with the Bank Manager at the XXXX XXXX XXXX Bank Of America I have proof that I did not make these charges and someone has been charging my account without my permission. The Bank has not refunded my money. The case got sent to the Bank Fraud department and they came back with no findings in my favor. Since I have reached out to XXXX and there are XXXX different names that have charged my account over {$12000.00}. My bank Bank Of America does not have my back on this and XXXX won't release the invoice to the bank because they are not in my name. The Bank Of America fraud department has taking this a sufficient answer to there fraud investigation and since has closed my account. I have proof I did not make these charges but neither XXXX XXXX team or Bank Or American Fraud team has help resolve this issue. They keep sending this case back and forth and has been going on for over a month with no change. Very frustrating. 
Both the policies at XXXX and Bank Of America are preventing me from gathering information on these charges to help my fraud case.
Product: Debt collection

On XXXX/XXXX/XXXX a collection agency called me trying to collect a debt from XX/XX/XXXX and XX/XX/XXXX in which was paid and I faxed a copy of the removal from my credit report. This agency is saying this is not enough information to prove this has been paid. In XX/XX/XXXX I was a XXXX, therefore that charge can not be on my credit..The debt from XX/XX/XXXX was paid in full and is on my credit report as being removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors