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

I am writing to express my disappointment regarding these accounts reporting negatively on my credit report. I believe they were not reported with maximum accuracy and it's affecting me and my XXXX XXXX I need you to fix this problem right away because my scores are also being affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled in XXXX of 2020. At the time of the accident, I owed {$13000.00} on my vehicle. The full amount of {$13000.00} was paid by my insurance company ( see attached the settlement statement ). I pulled my credit report recently to find a charge-off balance of {$2100.00} from XXXX XXXX XXXX XXXX with late payments. This false information has been on my report for two years and has no doubt caused me to be denied for credit and to have high interest rates on credit that was extended. Attached is proof of the settlement breakdown, a screenshot of all 3 credit reports, and snapshot of the check number issued from the XXXX XXXX coverage. Please resolve this matter immediately. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against [ Name of Credit Bureau, such as EXPERIAN and the associated information furnisher for inaccurately reporting late payments on my XXXX XXXX XXXX account with account number XXXX. 
This incorrect information in my credit report violates several regulations, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Protection Against Non-Payment of Obligations Act ( PAANL ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).

1. FCRA : The credit bureau and the information furnisher have failed to ensure the accuracy of the data in my report, and the incorrect information continues to appear despite my request for a manual and thorough verification, as required by the FCRA. The lack of manual investigation, as well as possible reliance on the automated E-Oscar system, constitutes a violation of 15 U.S.C. 1681i and 1681s-2.

2. TILA : I have not received periodic billing statements within the legal timeframe of 21 days before the payment due date, which has resulted in the incorrect reporting of late payments. I request the provision of records demonstrating compliance with TILA requirements, specifically 15 U.S.C. 1637 ( b ) and 12 CFR 1026.5. 
XXXX. XXXX : The inaccurate information regarding my late payments affects my credit score and may mislead potential creditors. I believe this constitutes a deceptive practice under XXXX regulations overseen by the CFPB.
Product: Debt collection

XXXX XXXX , Inc. has repeatly tried to collect money on an old debt that was discharged over 8 years ago with XXXX Bank. The amount is more than doubel the amount that was discharged and written off. 

I tried to call and explain to them they are doing something that is illegal rying to collect on a debt that was closed out over 8 years ago, but they were unreasonable andwoudl onlt accept payment. 

They sent me a offer letter to collect 60 %. Their letter states that they do not have legal recourse against me because it is an old debt and said they will continue to report an upaid balance to the credit rpeorting agencies. To me, this is extortion. They are reporting this a as a recent default and are ruining my credit. This is true text book backmail to get moeny out of me. I have contacted the attorney general 's office in California, the reporting agencies to dispute their claims and if need be, I will retain an attorney and sue them. Their parent company, XXXX XXXX XXXX has had numerous lawsuites against them for using illegal collection tactics, committing fraud by signing on behalf of the defendants they are trying to sue in court and filing false clains of having served leagl documenst on these ppeople they are trying to collect. 

I have a copy of the consent order file # 2015-CFPB-XXXX with United Stated of America Consumer Financial Protection Bureau where they were fined and had to pay damages for breaking many collection laws and unlawfully collecting fees from ovrstated interest rates, more than doubling and tripling the original debt and using extortion tactics to collect. They falsley filed with courts by deceiving the courts with inaccurate records. 

I am requesting that your agency look into this matter and do whatever is in yor power to penalize these crooked people who have ruined my credit and are tryingt o balckmail me to pay them for a debt that was over 8 years old, discjarged and amount more than tripled the orginal debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, an unauthorized wire transfer {$32000.00} appeared on my saving account. I noticed XXXX around on XXXX and immediately went to local Chase branch to report this. 
On XX/XX/year>, I reported to local police in XXXX, IL with police report attached. 
According to police report, this unauthorized wire transfer was initiated in person in a branch in XXXX IL. 
According to Chase employee, someone with my fake ID went to one of Chase branch and initiated this wire transfer. 
I called Chase on XX/XX/year>. The claim department said they are still investigating the case and can not provide any timeline of when I can get results or my money back. It has been more than 35 days since Chase received my notice. However, Chase neither completes the investigation nor credits my account so far. This is a clear violation of CFR Part 1005 ( Regulation E ) 1005.11 Procedures for resolving errors ( c ) Time limits and extent of investigation Official interpretation of 11 ( c ) Time Limits and Extent of Investigation ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred.

( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. An institution need not provisionally credit the consumer 's account if : ( A ) The institution requires but does not receive written confirmation within 10 business days of an oral notice of error ; or ( B ) The alleged error involves an account that is subject to Regulation T of the Board of Governors of the Federal Reserve System ( Securities Credit by Brokers and Dealers, 12 CFR part 220 ) ;
Product: Debt collection

I keep receiving calls from Medical revenue services from phone number XXXX asking for someone else. I have told them that the numbee they are calling does not belong to that person and they have continued to call. I was called on XXXX at XXXX, on XXXX at XXXX, and XXXX at XXXX. When I told them to quit calling this last time or I would report them, the woman on the phone said " Who are you going to report us to? There is no one. Bye '' and hung up.
Product: Credit card

My credit card company, barclaycardus.com, immediately shows charges when I purchase something. However, I made XXXX huge payments yesterday from my bank account directly to barclaycardus.com. Yet neither payment has been posted, nor has my balance been lowered to the much lower " balance '' to which I pay interest on. It 's an electronic payment, just like the charges I make to the card. Why does n't my payment reflect immediately as well? I 'm paying interest on a " balance '' that is incorrect.
Product: Student loan

I attended XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. I was total would be approximately {$30000.00} and my total tuition was {$65000.00}. I was lied to about the assistance I would be given in obtaining field work, which I never got. I was also lied to about the jobs that were available to me after obtaining my degree. I was not ale to work for over a year after graduation, because I could not find employment with this degree and NOT EVEN XXXX XXXX  would hire me after I applied there! They lied about the classes I needed to take to graduate, which cost me more money and more time. All of my evidence has been submitted to FSA as required.

I am only one of thousands of defrauded students and alumni who attended XXXX XXXX. I am urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted.

The Department of Education has already found significant evidence of misconduct by XXXX XXXX  in the case of XXXX et al. v. XXXX XXXX, XXXX et al. The lawsuit claimed that XXXX misled students about the time and cost of completing their program, and that XXXX 's enrollment advisers gave students false information about the program. 

The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

Delaying action only prolongs the harm caused by this
predatory institution, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays.
Product: Credit reporting or other personal consumer reports

I disputed an account for XXXX XXXX on my credit report that is reporting an incorrect balance and an incorrect and incomplete payment history. I requested documentation to prove this information and did not receive anything. Yet, the credit bureau is still reporting this account with incorrect, incomplete and unverified information on my credit report. This goes against the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Capital One says I owe for a credit card that was open to an address that I never even lived at I never took out or had a Capital One card this isn't even my address where it was taken out please have Capital One delete this from my XXXX and XXXX credit reports
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX I am writing to formally dispute the late payment ( XXXX ) reported on my credit report for my account XXXX. According to my records, the following late payment ( XXXX ) were reported for the months of XX/XX/year>, XX/XX/year> and XX/XX/year>. I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. Please respond to this request within 30 days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.
Product: Debt collection

In the years XXXX to XXXX, Bank of America has been charging me for a Safety Deposit Box I have never used when I signed up for it when I was an employee in XXXX. It was free at the time till I XXXX XXXX. I got noticed that I had to pay in XXXX {$63.00} a year. I tried to close out account in XXXX XXXX branch and attempted several times to close it and no one could help me. I attempted to schedule time to meet with locksmith cause that was the procedure to open box first since I lost the key but no one ever contacted me. I have called the branch several times to resolve this and they keep giving me numbers where I can reach no one. I visited the branch and no one was able to help me. 
This has been ongoing for 6 years and I just want to close out this safety deposit box and not get charge {$63.00} every year that is taken automatically out of my account. I have payed {$440.00} for 7 years and have never used this service. Could you please help me get this resolved. I just need to be paid back what they owe me for all these year and close out account. Also I never authorized for this to be taken out automatically from my account. Thank You.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, using XXXX XXXX as the credit servicer, claims my husband and I have a credit card under our names, XXXX and XXXX XXXX, opened in XXXX. 

The account ends in XXXX. We did not open this card or make any purchases on it. 

In XXXX, I opened a single XXXX XXXX account and purchased garden supplies for approximately {$120.00}. The clerk was to put this purchase on my XXXX XXXX card. I am told the account ending in XXXX, which we did not know of, is 120 days past due. 

We have disputed this with the company and requested an investigation of the account and purchase. First, we were told that legally, we could not dispute an account, which is incorrect. We also asked for the original credit documents of the account from the time of opening and purchase but were refused these. Currently, the only document we have received on the account in question is a letter requesting we call to settle the account. 

We believe XXXX XXXX XXXX has made an error in this card being opened and the purchase and would like this removed from our credit report asap! 

Thank you, XXXX and XXXX XXXX
Product: Debt collection

I received a letter from Hunter Warfield stating that I owed them a debt. They sent me a statement with an account number with a balance amount that included interest. I requested verification of this debt and requested addition information from them as proof that I owe them this debt. This letter was dated XX/XX/2023 and sent by certified mail. The response received only included a copy of a signed rent contract. The contract was reviewed, and it did not include any agreement to pay interest on debt. Another certified letter was sent to Hunter Warfield questioning the reason for the interest since it was never agreed upon in the signed contract. They did not provide any validation for the interest charge and refuse to remove it from the requested debt amount. I am also not sure if they legally own this debt, or if they are authorized to collect in my state because they never provided me with this information that I previously requested.
Product: Payday loan

Credit Shop said my interest rate was 32.25 %. I have made XXXX payments so far as follows : Date payed Principal Interest XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What happened to 32.25 %? I would have never agreed to this type of loan! I am being ripped off.
Product: Debt collection

This is not my debt. I have no knowledge of it. It says its a medical bill. I have no contract with this company and medical information is a clear violation of HIPPA laws.
Product: Debt collection

The number XXXX has called my cell phone multiple times daily since XXXX XXXX 2015. Any attempt to answer the call results in an immediate hang-up. XXXX time a person came on the line asking for another individual, but did not provide any other information and hung-up. They continue to call relentlessly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off and closed in XX/XX/XXXX. In XXXX of XXXX, for some reason, a XXXX $ balance was reported delinquent, giving my credit a big ugly dent. 

I spoke with XXXX, who agreed to provide a goodwill adjustment letter. 

Then, I contacted XXXX, Equifax, and XXXX  and submitted disputes asking them to update and correct the negative information. 

So far, only XXXX  has actually been able to fix it, which they did with no hassle ( See attached documents ). They contacted XXXX  and confirmed the account was paid off, closed, and never late. 

Equifax did respond to my dispute with what seemed like a summary of the correct the information. And on my XXXX XXXX report, the late payment was gone. But then, the next month, it was right back on there. 

Please fix it - permanently this time! Thank you.
Product: Payday loan, title loan, or personal loan

My account was debited on XX/XX/2022, without my permission. I have always went into the store location and paid on my loan. I have NEVER given ACE permission to debit my account. That was also marked on their application. I wasnt notified prior to them debiting my account and I have never missed a payment as scheduled. I do not understand why they went into my in the first place. I contacted my bank and they have stopped the card used with ACE, and are seeking a reversal of fees from them. I just want this all stopped and all fees I owed ended
Product: Credit reporting or other personal consumer reports

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

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 XXXXXXXX and list of Inquiries XXXX5 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 if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Vehicle loan or lease

The sales person that sold me the car didn't disclose to the TILA act, he lie about the interest rate ( he said it was 1.7or 8 %, it turned out to be 24 % ), he lied about the term of the loan ( he said it was for 3yrs, it turned out to 6 or 7yrs ), He extorted from me by lying about the initial amount that I needed to put down, in cash ( he first said, {$1000.00}, then later an additional {$1000.00} ). In the very beginning, I explained to him that this was my first time buying a car from a dealership ( I've always bought and paid cash for cars from private owners ), and I knew nothing about interest rates, finance charges, and I ask him if he'd explain the contract to me word for word. Later, I discovered that he gave me the " readers digest '' version of the contract, he left out important information and much more. The way I found out about all of the above, was after a year and eleven months, I got an email from the dealership informing me that I now qualify for an " up-grade. '' So, I called and made an appointment to come in and checkout a newer model car, XXXX  XXXX XXXX. The GM ran my credit report twice, and chose the lowest report and told me that I don't qualify for an up-grade ; my credit score wasn't that good when they found a bank to finance me, and sold me the vehicle in the very beginning. While I was there ( the dealership ), I asked to speak to the sales person that sold me the car ; and was told by another sales person that he was released/fired, because he did some very bad things to customers. And I was one of his victims. I wrote them a email letter detailing all of my complaints about everything, but disregarded my complaint and never responded to me.I would like to forward you the letter that I wrote to the GM and the  Manager of the Service Department.
Product: Checking or savings account

The Bank of America has decided to close my account without giving me an appropriate response. I spoke to the Bank 's account closing department and they pointed to a customer agreement and they said they took a business decision to close the account and they are not required to provide any reason to me. 

I am operating this account as a joint holder along with my husband since XX/XX/1999. I have been the bank 's customer for over 20 years. I work with a reputed organization and earn annually $ XXXX. I also have a brokerage account with the bank 's brokerage arm ( XXXX XXXX ) with net funds invested over $ 300K. 

There was not a single incident of violation reported on my account from my side in last 20 years. I am a law-abiding permanent resident of the USA. Such an abrupt closing of my account without citing any reason makes me feel the bank has discriminated against me. 

Please look in to this as soon as possible. 

Thanks, XXXX XXXX
Product: Debt collection

I received a collection notice from Phoenix Financial Services for a debt I settled in XXXX. I settled the debt ( {$1400.00} ) for a lesser amount ( {$690.00} ). 

I received a collection letter dated XX/XX/XXXX for the remaining balance. I tried to email the address listed on the letter and it was invalid, forcing me to call. When I called, XXXX XXXX ( tag XXXX ) was very aggressive. He talked over me and told me that it was my burden to provide a receipt showing payment ( even though its not AND they already have those details as its listed on the bill. ) he said that my settlement wasnt valid unless I provided the receipt. 

I told him that I wanted the paperwork regarding my account, including a itemized list and ownership. He refused, stating he could only request and itemized receipt. He then continued to try and collect the debt. He only stopped after I asked if he was allowed to continue to try to collect after I asked for the paperwork. He, again, insisted that he could only request an itemized receipt. He told me that he could not request any other kind of document I requested, including documents around the previous settlement. He told me that he could not request they look into if the debt was settled. This is all WRONG in an attempt to intimidate me into paying the rest of the debt. 

Phoenix Financial Services - account # XXXX
Product: Debt collection

I took the loan foXXXX XXXX XXXX on XX/XX/2022. 
I made a manual payment of XXXX XXXX  on XX/XX/2022 which i got it reversed by my bank on XX/XX/2022 as i had paid that in error. 
The Lender Deducted the amount of XXXX on XX/XX/2022 as per the agreement and my account got paid in full as of XX/XX/2022. 
Now, i have started getting collection calls threatening me that they will block my checking account and block the funds in there. they will also send people to my home to collect the debt. 
i am very scared and hence i am writing to you to please help me. 
i have attached the screenshots of my bank statement showing that i paid both the amounts and one of the amount which is XXXX XXXX  manually paid by me was in error hence i asked my bank to reverse. 
My bank investigated the matter and then reversed the amount that i paid in error to the lender. 
thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX was opened XXXX XXXX, XXXX, ontime payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are all missing. 

I was on time XX/XX/XXXX but then it says i was 60 days past due XX/XX/XXXX. 

it goes from XXXX XXXX XXXX days pastdue, XXXX is blank then 150 days pass do in XX/XX/XXXX XXXX XXXX and XXXX of XXXX is also blank. 

I am missing half a year of on time payments. The past due dates are all incorrect.