23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX CONTINUES TO AGGRESIVLY COLLECT ON THE DEBT THAT I DO NOT OWE. HARASMENTS, THREATS OR ARREST AND INAPPROPRIATE LANGUAGE ARE BEING USED, AND CALLS MADE TO ME AFTER WORK HOURS. EVEN AFTER SENDING THEM A COPY OF MY CREDIT REPORT SHOWING NON EXISTANCE OF CITI ACCOUNT ON MY REPORT AND SERVING THEM WITH CEASE AND DESIST NOTICE THEY CONTINUE TO IGNORE MY EFFORTS AND AGGRESSIVELY COLLECT ON THESE ACCOUNTS WITHOUT VALIDATION OF THESE ACCOUNTS.
Product: Bank account or service

I requested a charge back from a company that did not honor their return policy on XXXX/XXXX/15 with Chase Bank, they issued a temporary credit but I received a letter on XXXX/XXXX/15 stating that Chase is temporarily holding the credit due to the account being closed due to a balanced owed of {$210.00}. The closed account that they 're referring to was also closed on XXXX XXXX, 2015 when a credit was accepted & the balance of {$210.00} was taken care of & the remaining money was credited to my savings account without question or incident, so I do n't understand why this form of action was taken instead of how it was previously handled. It 's going on 2 months that this has been going on so why am I still waiting on a response from the merchant when I supplied the bank with the shipping receipt, an email showing correspondence of the return process & stated the fact that the company had no plans on rightfully returning my money although they received their merchandise back, their exact words were my bank, the XXXX nor the consumer protection bureau regulate their actions. The matter of the closed account for {$210.00} has been taken care of & considered as settled as of XXXX/XXXX/15, so this temporary hold dated a month after this matter was considered settled should n't have occured, it did n't happen with the first charge back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Bank account or service

On XXXX I purchased airline tickets from XXXX. It was myself, my wife, and XXXXyear old son. 

I traveled XXXX for two weeks in XXXX. None of my bags made it. The crucial piece of this my XXXXyear old baby 's bag was not available that had all his food and formula putting him at risk. XXXX being a XXXX, one has to be cautious with the foods. Also, my son requires special diapers that are organic and natural that were not available. He had just come off of a XXXX due to bad diapers. 

I contacted XXXX multiple times by phone and they were of no help. I emailed a formal complaint and no response. They just kept deferring me to the airport and they did not lose my luggage. I finally got my bags three days before the end of my trip. 

The airline breached their contract as one was entered into with them when I purchased the tickets and they did not deliver. They also but my baby boy at risk. I filed a formal complaint with the XXXX and they agree that I have standing here. 

I am demanding full credit back for the three charges described in the complaint immediately. My case # with the XXXX is XXXX for your reference. 

Per XXXX guidance, I paid for a service and did not receive the service. Wells Fargo is refusing to dispute the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle through Drive time, the vehicle lights came on a hour after purchasing, upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very Ill and was and still am in the XXXX.My sister reached out to Corporate and XXXX and was ignored.The date had been extended to XX/XX/XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX  or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX the ceo, the vp and several other executives..Drive time is owned by XXXX and I reached out to them also, the ceo at XXXX ( XXXX XXXX and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that XXXX, XXXX XXXX drive time have committed..
Product: Credit card or prepaid card

I noticed charges withdrawn from my bank account on XX/XX/2021 totaling {$7300.00}. Charges were made by Fortiva MC, a card I have never heard of nor applied for.
Product: Credit reporting or other personal consumer reports

This account self has verified in a previous dispute that it was reporting accurate and provide a timeline and more In the complaint and again VERIFIED it was accurate which I will provide below. Recently I pulled all three reports and it shows that SELF Is reporting inaccurate on all three. Since self verified they were reporting accurate on their end its fait to say this account already went under investigation as they responded and provided information in regards to their finings. I am requesting that this account be removed from credit reporting agencies. They are reporting different and inaccurate. They have ate on some days and other days they don't. I immediately went from current to XXXX ays late XXXX ays apart an other inaccuracies I can point out but again they verified to be reporting correctly ... which they have not. 
I was denied due to this account on a previous application I did and I am requesting statutory damages an other due to the unfair treatment provided by information they are reporting. They also failed to comply with the far law in regards to the inaccurate reporting and car law regarding late payments as I provided and requested removal. If any credit reporting agency or furnisher willfully fails to comply with the terms of the FCRA, it is liable to the consumer for actual damages or statutory damages between {$100.00} and {$1000.00}, punitive damages, and the consumers reasonable attorneys fees and costs. I am requesting this per inaccuracy found if not remove from my report. I will list ll three accounts an how they are reporting along with their response of the accuracy ..willfully knowing they reported inaccurate and showing different on three credit reporting agency report. Below you will fin XXXX reporting self, XXXX reporting self, an transunion, reporting self they all show different information,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX [ Your Phone Number ] [ Your Email Address ] Date : XX/XX/year> To Whom It May Concern, This letter serves as a formal, legally-binding demand under the Fair Credit Reporting Act ( FCRA ) and related federal statutes for verification and validation of certain debt entries and inquiries recently reported on my credit file with XXXX, Equifax, and XXXX. I dispute the validity of the following accounts and inquiries, which I did not apply for, authorize, or have any knowledge of : XXXX. XXXX XXXXXXXX XXXX  : XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX : XXXX, XXXX XXXX. XXXX XXXX XXXX : XXXX I dispute any legal or financial liability associated with these entries. Under the Fair Credit Reporting Act ( FCRA ) and additional applicable federal statutes, I am requesting full verification and validation of these accounts. The following legal provisions support my demand : FCRA 15 U.S.C. 1666b FCRA 15 U.S.C. 1601 FCRA 15 U.S.C. 1681b FCRA 15 U.S.C. 1692c FCRA 15 U.S.C. 1602p Additionally, under 15 U.S.C. 1681s-2, 15 U.S.C. 1681 ( 4 ), and 15 U.S.C. 1681 ( a ), I am entitled to obtain complete verification of the legitimacy of these debts.

I am disputing these accounts under my rights pursuant to the following FCRA statutes : 15 U.S.C. 1666b 15 U.S.C. 1601 15 U.S.C. 1681b 15 U.S.C. 1692c 15 U.S.C. 1602p
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX XXXX account numbers xxxxxx XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, Attorney General account numbers XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX account number XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX XXXX account number XXXX has violated my rights. 

In accordance with the Fair Credit Report Act XXXX XXXX account number xxxxxx XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Report Act XXXX XXXX XXXX account number XXXX has violated my rights In accordance with the Fair Credit Report Act, XXXX XXXX XXXX XXXX account number # XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX account number xxxxxxx XXXX has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Report ActXXXX XXXX XXXX  account XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 Section A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a Consumer Reporting Agency CAN NOT furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Dear Consumer Finance, I have 2 credit cards with Capital One. I made payments on time, but after my XX/XX/2019 payments, I had hardship. I miss some payments. On XX/XX/2019, I contact Capital One Credit and talk to a representative about my 2 credit cards trying to take them out of the red. Well, the representative helps me in the wrong way. Instead of me paying a {$180.00} to card ending XXXX  ( balance {$480.00} ) I have a {$17.00} available credit and can't use it. ( This card is in good standing ) Do you know how embarrassing that is in a store when you can use your credit card after paying {$180.00}? I should have paid that amount to card ending with XXXX along with the {$110.00} I paid into card ending XXXX. The card ending in XXXX would have gotten out of the red and I could have used that card to purchase XXXX dinner and caught the XXXX XXXX sale. But I can't use either card now. I can't go to XXXX  or Capital One Cafe to make payments on either card because of the lockout. That same day I made the {$180.00} payment on card ending XXXX my XXXX bill came out that same day so that the XXXX payment went toward the XXXX bill. Only if that representative would have a better look at my account more closely I would have made the account ending XXXX in good standing and would be able to use the funds on that card. Then I would have made arrangements to catch up on card ending XXXX. That {$300.00} that went down the drain. I have a due payment of {$65.00} on card ending XXXX  and due payment of {$140.00} on card ending XXXX I found out after trying to get this matter to solve we are having language barriers and some representative not explaining about other programs that Capital One has that could have saved me the trouble. I get phone calls every day from Capital One banks and today on XX/XX/2019, I call Capital One bank this very nice representative that I spoke to say that some of the past representatives that I encounter are not leaving notes. This is so heartbroken to me and my grandson. I'm a single grandmother raising my XXXX-year-old grandson and look like this year will not be any better than last year. I'm trying to bill my credit up so that my grandson can go to college without any problem. I can't keep putting money on the card and I'm lockout. Please help me. 

Sincerely yours,
Product: Mortgage

Problem has been going on for almost two years.

We pay our homeowners insurance, flood insurance and local directly and in full to our insurance providers and the local government taxing authority.

The loan servicing company incorrectly has billed us via an unauthorized escrow account for these payments that have been made directly, without any need of involvement with the loan servicing company.

To make matters worse, the loan servicing company has incorrectly assessed our loan late fees, penalties and interest on this unwarranted escrow account.

We have spoken with the company 25 times, written letters to this effect, sent via fax, email and US Mail, and to date have not been provided any specific detail as to when or why the escrow account was even initiated.

Recently, the loan servicing department just sent us a notice of installing forced place flood insurance, as we have had continuous flood insurance, the policycy has been sent to the loan company several times.

Failure to communicate requested information and continuosly mishandling our account is the reason for this complaint. Incorrect amount slandering my credit niow exists for over {$58000.00}. Absurd.

We have NEVER even been late with any mortgage principal or interest payment. Never!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian in reference to these Inquires, I advised them that I did not have any knowledge or approve of these inquires. I have since contacted Experian any several occasions and discuss my concerns with their phone representatives. I advised them that I have no knowledge of these inquires. The inquires I did n't authorize are as follow. I want these items removed from my credit report. Due to not being authorize XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is in reference the accounts of : XXXX XXXX XXXX which was closed XX/XX/XXXX with a balance of {$3600.00} and XXXX XXXX XXXX a collections account for {$3100.00} I had could not keep that account open during COVD and could not make any payments. I continued to receive calls and letters from the company even after i had expressed my situation. This was removed from my credit report and XXXX XXXX showed up with a different balance. I disputed this not knowing what it was and then XXXX XXXX showed back up on my credit reports again along with XXXX XXXX  that would not quit sending me letters until i had a 3rd party send a response. XXXX XXXX had was not reporting to all 3 bureaus until it was disputed and removed and now they are reporting again.

According to the law, my credit is supposed to be private I did not give either one of these companies permission to put this information on my credit and had a third party send a letter accordingly. The both reported that they meet the fair credit reporting act with no other response.

[ 15 U.S.C. 1681 ] 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. 
15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX XXXX was in communication with me and 3rd party letters when they sold this debt to XXXX. 

Again, i have given neither one of them permission verbal or written to share my information. All of my information and the letters of communication they sent is with Dispute my client. I forwarded it all to them, but they only work on things for 1yr. Meanwhile i still received calls from both of these companies but declined to answer. 
I can have all of these letters sent to you if needed, I can also pull my XXXX accounts from the last 2 years if needed. 
XXXX XXXX also shows on my XXXX report that I went from a {$3100.00} balance in XX/XX/XXXX to XXXX $ balance in XX/XX/XXXX. This is different from the other reports and different from the last time they reported. Which would state i had paid it. I did try to work with them during COVID, but was not able to comply to their terms since i had no job per the government. ( I am a massage therapist ). I had their insurance on my account that i paid for monthly for just such a situation, and they said that it would only a few months of payments and that they would still report me as bad credit.

IF you need stacks of documentation, too numerous to upload, I will have Dispute my credit send you my files.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Equifax notifying them of the reinsertion of XXXX XXXX XXXX account number XXXX and XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.

Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A checking account was fraudulently opened online with my information back in XX/XX/2019. I reached out to Bank if America right away to resolve and have closed. I sent an affidavit, proof of identity to them in XX/XX/XXXXand still have not received any response from them refarding the resolutiin other than them threatening to report negative information to XXXX XXXX and tge credit bureaus. They have been in receipt of my dispute since XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Chase Cashier check for XX/XX/XXXX was made to XXXX XXXX XXXX XXXX AMOUNT OF XXXX and another one was made on XX/XX/XXXX for the same amount. I have try calling my bank to find out why I not aware of fraudulent transaction. My back stated today they only are able to hep me it was reported in between the 60 days that the transaction was made I find out this information on XX/XX/XXXX the same day that I call my bank. I also have file police report.. And there is multiple lawsuits made against this company., So I dont understand why my bank did not stop my transaction to fraudulent company like they have done in the past. How is my back protecting my money???
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR THE PAST 8 MONTHS I HAVE BEEN TRYING TO RESOLVE THIS MATTER WITH THE BUREAU AND THEY ARE NOT COMPLETING THE INVESTIGATION, THEY ARE NOT PROVIDING SUFFICIENT EVIDENCE, AND I AM A VICTIM OF IDENTITY THEFT, I HAVE GIVEN MY POLICE REPORT MY FTC REPORT, I FILLED OUT THEIR REQUIRED AFFIDAVIT AS WELL AS WELL AS NOTARIZED THE DOCUMENT AND THEY REFUSE TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, I AM IN THE MIDDLE OF TRYING TO REFINANCE MY HOME AND THESE 2 ACCOUNTS THAT ARE REPORTING ON MY CREDIT REPORT ARE NOT BEING REMOVED WITH ALL THE CORRECT INFORMATION THEY HAVE RECEIVED. I HAVE TRIED SEVERAL ATTEMPTS AND THEY SIMPLY ARE NOT COOPERATING. WORST CUSTOMER SERVICES REPRESENTATIVES AND CUSTOMER SERVICE BY XXXX  AND EQUIFAX.