23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, we went to court as the company who purchased my debt ( Atlantic Credit ) obtained legal respresentation ( XXXX XXXX XXXX ). I, did not have an attorney representing me. The attorney for XXXX XXXX XXXX had me sign the judgement form ( outside the courtroom in the hallway ) stating it was proof I showed up for court. I advised him that I did not want to and that I wanted to see if I could obtain an attorney ( as I was completely unfamiliar with the situation ), I also wanted to discuss my options with the judge. The XXXX XXXX XXXX attorney stated the the debt was valid because I signed for the credit card. 

In XXXX, I made two written requests that included payments ( {$200.00} and {$20.00} ) via money order to them and requested they send me in detail a list of the alleged charges and fees. However, they failed to respond and provide anything I requested. 

In XX/XX/XXXX, my wages began to be garnished without me ever being formally served or notified. I have only attended one court hearing and were not notified of any other proceedings. 

My wage garnishment were 25 % for the total {$1900.00}. 

On XX/XX/XXXX, it was reported to be my final wage garnishment, however, when I called XXXX XXXX XXXX they advised that it was not my final payment ( although the judgement stated so for the final amount paid ) and that it was still accumulating interest. I advised them that the order was already set and payment was sent for the balance. The advised that I still owed interest as it was accumulating although my wages were being garnished. I requested the debt collector information who hired them so that I may contact them directly and they stated they had no such information. When questioned how they could not have this information they were not able to formulate an answer. I then asked for the attorney who was handling my file and they reported there was no attorney handling my file. 

Furthermore, I was not informed of the garnishment until I received my paycheck in which the initial deduction was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  acct # XXXX, has violated my rights. 

15 U.S.C1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft. The information listed in attachments below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It may be the result of identity theft. Please block and remove them, pursuant to section 605B of the Fair Credit Reporting Act. 

Please see the attached
Product: Debt collection

I missed a call from XXXX ( XXXX ) XXXX. I returned the call stating it was a lady named XXXX  XXXX. She stated I owed a payday loan ( continued to state they are illegal ) and that if I didnt pay my name and information would be turned over to the original county. There would be a nationwide search for me and I would be facing 2 felonies -defraud a bank and something about providing false information. She said they could make a payment arrangement over next 3 months but it had to be handled or I could go to jail. She said she had a daughter my age and wanted to help. She kept saying she wasnt a debt collector she worked for a lawyers office. She kept giving me different 1800 # to call and speak to XXXX to pay off the debt. She said I would have to call friends and family to avoid being arrested. They sent me a DocuSign agreement for repayment-I was suspicious bc it didnt state anything about a loan and said it was debt collection and had lawyers address. She only had an old email address I used over 15 years ago when I was young dumb and in college. If this was a debt it would have went on my credit report so I did not return her calls after the first day.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the numerous unsuccessful attempts to remove unauthorized inquiries from my credit report. Despite my persistent efforts and multiple communications with your institution, these unauthorized inquiries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution and the credit reporting agencies to dispute and request the removal of these unauthorized inquiries. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the unauthorized inquiries remain unresolved. 

It is deeply concerning and distressing to see that despite my repeated attempts and persistence, the unauthorized inquiries continue to negatively impact my credit report. These unauthorized inquiries not only affect my credit score but also raise concerns about potential identity theft or fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution and the credit reporting agencies in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of unauthorized inquiries on my credit report have left me feeling frustrated and disillusioned. 

As a consumer, I have the right to expect accurate and up-to-date reporting of information on my credit report. The repeated failures to address this issue not only undermine my confidence in your institution 's ability to handle consumer concerns but also reflect poorly on your commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all unauthorized inquiries be promptly and permanently removed from my credit report, and that measures be implemented to prevent any recurrence of such unauthorized inquiries in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the unauthorized inquiries on my credit report. I trust that you will prioritize this matter and take the necessary steps to restore my confidence in your institution and the accuracy of my credit report. I am asking for your assisstance to remove these unauthorized inquiries in my credit file : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 

XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$50000.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX XXXX Balance : {$4400.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Dear Sirs, My name is XXXX XXXX XXXX, I have a Citibank XXXX XXXX XXXX credit card and in XX/XX/XXXX I received an offer that if I opened a checking account at XXXX I would receive XXXX bonus miles from XXXX XXXX XXXX program. 
So I did- account number XXXX routing number XXXX Citi Priority XXXX XXXX XXXX XXXX XXXX 

In order to have the miles credited in 4 months, there would be some rules ; Keep a certain amount of money for 3 months in the account, spend {$800.00} dollars in the first month using the debit card, register payments to the account, etc. 

I did all the steps and to really understand the rules I also called 3 different times Citibank and spoke to different agents about the promotion, asked questions, if I was doing everything right and all agents that I spoke to confirmed that everything was correct. If the calls are recorded, there is proof of the questions and answers. In XX/XX/XXXX the miles should have been credited in my account. 

Yesterday, XX/XX/XXXX, I called again because the miles werent credited and for the first time the person who assisted me let me know that the step that I had to pay bills through Citibank should be done through a Citibank channel, not only add payments thought XXXX, click pay, my insurance company etc so the miles wouldnt be credited at all because I missed this step!!!! 

I was very upset with this information, of course. I was misinformed in all my calls to Citibank, I just open the account because of the promotion, I went to a Citibank agency to speak in person to a banker, he said that because I opened the account online he couldnt help me, I had to talk over the phone. 

I had to pay a {$30.00} dollars fee per month in order to maintain the account, so this promotion only took my money, my time over the phone, mislead me with wrong informations and in the end no miles, just disappointment. 

If you would check the calls and the steps in my account towards the promotion you will see what I am talking about. 
I hope someone cares, I hope Citibank honors the promotion on my behalf and share the responsibility for the step I did wrong because everybody I talked over the phone made me believe that everything was correct. 

Please, I would like your help to know how do I proceeded in order to open a Claim about this matter. 

Thank you, XXXX XXXX. 
Phone : XXXX XXXX Email : XXXX XXXX
Product: Checking or savings account

At XXXX XXXX  on XX/XX/year>, I received an email announcing " Your XXXX XXXX application is almost complete! ". 

At XXXX XXXX  on XX/XX/year>, I received a text message telling me " Your Chime account is ready! '' and to download the app to access it. 

At XXXX on XX/XX/year>, I received another email with the subject line " Welcome to Chime! Lets dive in. '' I immediately called the Contact Us phone number listed on the Chime site, as I had NOT applied/opened an account with them today ( or ever ). The representative was able to tell me that the account had been opened around XXXX XXXX  on XX/XX/year>, and then transferred me to the fraud department. 

I let the fraud representative know that I had not created this account and request immediate closure of the account. The representative closed the account and I received confirmation of the account closure via email. 

As the two emails I received indicated that a debit card was being mailed to me, I also requested to know what address was listed on the account, but the representative was unable to provide that information. She said she would send another email with a link to request account statements that would include that information, but so far I have not received that additional email.
Product: Checking or savings account

My account was falsely accused of suspicious activity and has currently been frozen for 16 days and counting ( Start date XX/XX/23 ). Having called the bank on. XX/XX/23 after realizing the account was not able to be used for anything. I was told the account in question was under investigation and would have a resolution within XXXX days. While the funds in the account are secondary to everything, since this false accusation was started I have been unable to send/receive anything in relation to the account. Today ( XX/XX/23 ), I began the process of calling the bank for a resolution and was told the account was still in question/investigation and now it would take up to 90 days to receive results. As I stated I would like to just close the account entirely, I was told that can not happen until the investigation was through.
Product: Debt collection

Today a medical collections account and new billing address for me showed up on my XXXX credit report. I have never heard of this company or the original creditor, nor have I ever heard of the new billing address reported for me. I called the company to tell them this debt does not belong to me. The debt reported is {$900.00} to a pediatrician in XXXX XXXX, TX. I have never been to this town, nor do I have a minor child, nor have I ever heard of or resided on XXXX XXXX. 

I contacted the original creditor listed, XXXX 's XXXX XXXX, and they have no record of me or this address in their system, and said they don't know who RS Clark & Associates is
Product: Credit reporting or other personal consumer reports

I have previously sent disputes regarding this issue numerous times. This issue is really causing me to have significant XXXX XXXX. Equifax Information Services LLC is failing to truly investigate and validate the information that's in my consumer report. It is illegal for the bureaus to report an active payment history when the alleged account is a charged off account. This inaccurate information falsely manipulates the statute of limitations. Their negligence has violated my rights. I AM DEMANDING A DELETION IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  #  XXXX  bod  XXXX / XXXX /    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX      XXXX   and Experian will not update my correct credit limit on my  XXXX   XXXX   XXXX  credit card account the correct limit is {$2200.00} with balance of  XXXX  correct my balance and credit limit
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, XXXX, and XXXX consistently reponds 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts reported inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Account Name : XXXX XXXX  XXXX Account Number : XXXX Account was opened : XX/XX/2017 Account Balance : {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX XXXX XXXX report attached is inaccurately and falsely alleging XXXX judgement evictions against my credibility without providing any notice for me to validate any debt as per XXXX XXXX XXXX. Pursuant to 15 USC 1681 ( a ) ( XXXX ) A Consumer, Natural Person has the right to Accuracy and fairness of credit/consumer reporting. I have never heard of this Consumer reporting agency so clearly they have never validated if these alleged evictions ( judgements ) are valid and not fraudulent or sustaining from Identity theft in which I am a victim of. In fact all consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.Inaccurate, incomplete or unverifiable information must be removed or corrected, as pursuant to 15 USC 1681cXXXX XXXX of information resulting from Identity theft. I have never been in court regarding these allegations nor are they reporting on any other of my Consumer Reports therefore I demand to know the validity and whom the Original Creditors are and the Investigation results that led to this inaccurate, abusive and deceptive reporting. Pursuant to 15 USC 1692 ( g ) ( a ) as a consumer I have the right to obtain a Notice of debt ; contents and have the right to dispute its validity if I am not in-fact the original creditor, however XXXX Reports violated the federal law and willfully disregarded 15 USC 1692 ( g ) ( c ) which states that failure to respond especially without prior notice of this debt because its fraudulent does not constitute liability ; in-fact according to section ( c ) Admission of liability it reads The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I, therefore request that these Fraudulent Evictions that are effecting my credibility and creditworthiness as well as debilitating my ability to extend credit and receive housing makes XXXX reporting guilty of violating several Federal Laws and I am willing to prosecute to gain remedy for the injury and defamation of my character. Pursuant to 15USC1681 CXXXX all fraudulent reporting deriving from Identity theft should be immediately and permanently removed from all the Consumer Reporting Agencies .
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.

( Pub. L. 90321, title VI, 616, as added Pub. L. 91508, title VI, 601, XXXX XXXX XXXX XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, XXXX. A, title XXXX, XXXX ( a ) ( c ), ( XXXX ) ( XXXX ), XXXX XXXX XXXX  XXXX XXXX. XXXX ; Pub. L. XXXX, XXXX ( a ), XX/XX/XXXXXXXX XXXX XXXX22 Stat. 1566. )
Product: Credit card

Fnbo bank his black ball me by saying my information is fraudulent and denying me credit whenever I apply with them
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent account number has violated my rights. 15 U.S.C 1681 Section 602 a period states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Subsection 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I demand the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I demand the removal of the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I demand the removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX XXXX XXXX cancelled my mortgage policy and XXXX XXXX enrolled me as a customer. The change to XXXX was an increase in the annual premium. XXXX sent an endorsement statement in XXXX, the statement said, Premium Waived. I contact XXXX and their " rep '' assured me that there was no issue for me until the following year. 
Because I do not monitor my mortgage statements monthly, I missed that Ocwen made a premium payment to XXXX in XXXX XXXX. Despite the fact that a negative balance now existed on my escrow account, despite the fact that Ocwen knew that the premium had increased, no changes were made in the amount that was collected for escrow each month. I was convinced, based on my conversation with XXXX, that no increase was expected until renewal in XXXX. 
Surprise, surprise, in XXXX XXXX I received an report from Ocwen that my mortgage would increase by nearly {$250.00}. Of course no one wants to accept the negligence or lack of customer service. 
So, I will admit and have learn to look at every statement that comes to me from this point forward. But, it seems to me that this practice has set into motion the very conditions RESPA was meant to deter. I am not sure if this would be considered a genuine compliant, but I thought someone should be aware that this practice is being enacted by mortgage companies. 
Why did n't the negative escrow balance set certain safe guards in motion. Although I missed it, why did n't Ocwen/XXXX immediately increase the escrow to offset the debit on the account. Ocwen 's justification and answer is, " they only do escrow analysis once a year ''. But that defeats the consumer and company protection established through RESPA, does it not? 
I have already complained to XXXX about their wording. It should have read, Premium amount will not increase, not Premium waived. Even the XXXX " rep '' I spoke with recently, had to research to find the meaning of " Premium waived ''. I wish the " rep '' last year had bothered to do the same. 
I am not working, have not since XXXX XXXX. It will be a faith filled moment to see each month how the bills are paid. Thank XXXX he is always faithful, offers the most magnificence customer service, and loves me.