23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX i received a Insurance Check ( XXXX XXXX  ) to pay for repairs to my home because of the storm. I endorsed the check and submitted it to Bank Of America. The repairs never got done because the ( 5 ) contracting Companies I called all said it wasn't enough to cover the work. Since then I became XXXX and my home went into foreclosure and was sold at auction in XXXX. Bank Of America was the servicer but the home was owned by XXXX XXXX  I asked Bank Of America about the check and the Rep at the time told me they were gon na send to to XXXX XXXX. Throughout the foreclosure process I was dealing with a XXXX XXXX  Representative that came to my home every month who at the time told me that the check belongs to me because it came from my insurance Co and XXXX XXXX couldn't touch it they just want the home. I called Bank Of America a 2nd time and the next Rep told me they would send it to whoever purchased the home. I politely to them that the home was sold at Auction as is and the purchaser could not receiver additional funds. I called back a 3rd time and that Rep told me they were going to send the check back to my Insurance Co. I stopped calling about it because i knew i wasn't going to get the issue resolved. I recently thought about the check and decided to contact XXXX XXXX on XX/XX/XXXX. I explained the situation and i was told that they have no records of Bank Of America sending them the check. Unfortunately since the don't own the property anymore they could not escalate the matter. they advised me to contact Consumer Financial Protection Bureau. On the same day XX/XX/XXXX I also contacted my Insurance Co. at the time and they also said they have no records of Bank Of America sending them the check. They went on to say that they couldn't believe this happened and that the check belongs to me. I have the letter from Bank Of America dated XX/XX/XXXX that they have the Money in an account. I also have a copy of the check that the Insurance Co. recently sent to me showing that the check was cashed by Bank Of America on XX/XX/XXXX
Product: Debt collection

I had a membership with XXXX XXXX. When the annual renewal was charged to my XXXX XXXX, I called XXXX to complain as I had not been in the gym for most of the previous year, despite paying monthly. They refused to waive the annual fee, insisting that I had to have provided 30 days notice. 

I disputed the charge with XXXX XXXX. They immediately reversed the charge and investigated. When I told XXXX about this, directing them to contact XXXX XXXX for further questions, they sent the debt to collections ( in violation of their merchant agreement with XXXX XXXX ). 

Ultimately, they sided with the merchant. The charged was re-applied to my card and the money sent to XXXX. 

But they refuse to acknowledge this and their debt collector continues to harrass me. They use automated calling from different phone numbers, so I'm unable to simply block the calls. When I have picked up, the recorded voice simply starts over if I speak. It doesn't connect me to a person. 

The debt collector, Aldous & Associates out of XXXX XXXX XXXX, has sent me a single written demand for payment. I sent it back, informing them the debt was already paid, and demanding written proof from them that the debt is valid. They have not responded. 

I want them to stop calling me, and to stop trying to collect money I do not owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert that I was reported " deceased '' by American Express on 2 accounts. I had 3 accounts with American Express. One of the 3 accounts is paid in full. 2 of the accounts, I was working towards a " settlement '' and then all of a sudden.. Poof.. you are deceased. I don't know if it was " retaliatory '' but it sure feels it. I reported that I was alive via a notarized letter. Yet, the investigation of XXXX  to American Express shows I am still deceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX has been using dark pattern on my credit reports to put damages on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to ask you to check these accounts. Because dates and information are incorrect. I sent already couple of letters but I am ignored completely. I contacted directly these companies and asked them to change and delete the accounts. I contacted Bureaus and asked them to stop poor reporting. Everywhere I am ignored. Please check these account sand delete wrong information. 

These are those accounts : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX Thank you! I hope this time it will work out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 ; I have filed numerous complaints regarding Equifax, XXXX, and XXXX unwillingness to DELETE erroneous activity found on my credit report. I am the victim of several data breaches, and have provided supporting documentation. To this very day, a few minor deletions have occurred. However, all of the major infractions have established a stronghold with zero intentions of departure. I have spent thousands of dollars adamantly attempting to resolve this matter, but all to no avail. My requests are simple : DELETE EVERY DEROGATORY ITEM IMMEDIATELY OR PAY ME {$1000.00} PER ITEM. To this very day, neither has transpired!!!
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel XXXX  accord and U.N.C.I.T.R.A.L Conventions.
Product: Debt collection

XXXX keeps saying i owe XXXX on a phone i bought in cash fir XXXX had service for three months and on the 4th month unlocked and left company they then tried to bill me fir service i was no longer using and gave been harassing me since messing up my credit on false charges
Product: Checking or savings account

I have been a customer with KeyBank over 25 years. Why was I a victim of fraud on XX/XX/2022? This was a KeyBank checking account for XXXX with a new debit card issued. Then on XX/XX/2022, I was frauded again on the same account for a purchase by XXXX and waiting for another new debit card issued. On XX/XX/XXXX and XX/XX/2022, with KeyBank knowing of these frauds supposedly did not protect my account and allowed unauthorized charges of over {$10000.00} between my KeyBank checking and savings accounts. All the fraudulent charges have added up to over {$30000.00} since XX/XX/2022. 
Where is your cybersecurity? KeyBank : you never texted or had the decency to " red flag '' or shut down my accounts when your organization knew of fraud activity on my accounts since XX/XX/2022. 
And I want to know who did this!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - Sent the following to the company via certified mail and have since recieved no response : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah, XXXX CapitalOne Representative- I spoke with a representative on XX/XX/XXXX who advise me that I need to send this document into your team as well as your Fraud Department XXXX 
Below is a snippet of my credit report that reflects someone elses account that I did not authorize to be added to. I was FRAUDULENTLY added to this account without my consent and wish to have this account removed from my CapitalOne profile ( if it is still attached ) and also removed from my credit profile. 

XXXX Account # XXXX High Balance {$1600.00} Last Verified XX/XX/XXXX Date of Last Activity XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Closed Date XX/XX/XXXX Account Rating Closed Account Description Account relationship terminated Dispute Status -- Creditor Type Banks and XXXX XXXX XXXX Account Status Closed Payment Status Paid or paying as agreed Creditor Remarks -- Original Creditor -- Payment Amount {$0.00} Last Payment -- Term Length -- Past Due Amount -- Account Type Revolving account Payment Frequency Monthly Credit Limit {$1500.00} XX/XX/XXXX I again sent the following document to the company via Certified mail and have since still recieved no response : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX CapitalOne Representative- I spoke with a representative on XX/XX/XXXX who advise me that I need to send this document into your team. 
Below is a snippet of my credit report that reflects someone elses account that I did not authorize to be added to. I was FRAUDULENTLY added to this account without my consent and wish to have this account removed from my CapitalOne profile ( if it is still attached ) and also removed from my credit profile. 

XXXX Account # XXXX High Balance {$1600.00} Last Verified XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Closed Date XX/XX/XXXX Account Rating Closed Account Description Account relationship terminated Dispute Status -- Creditor Type Banks and XXXX XXXX XXXX Account Status Closed Payment Status Paid or paying as agreed Creditor Remarks -- Original Creditor -- Payment Amount {$0.00} Last Payment -- Term Length -- Past Due Amount -- Account Type Revolving account Payment Frequency Monthly Credit Limit {$1500.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - my daughter in law is trying to help me get my deceased mothers XXXX XXXX XXXX bill transfered into my name. My deceased mother lived with me. When all information is given and XXXX goes to run it through the system, EXPERIAN says that my personal identity information is mismatched and I need to call them before aep can change the name over. 

I personally called them and how they explained was that it was my address so that was cleared up and they said everything was good. 

So daughter in law called aep back only to be told again that experian was not letting it go through for the same reason, that the personal identity info was mismatched. XXXX said maybe their system and experian system was not synced yet and to call back on XX/XX/XXXX. 

XX/XX/XXXX XXXX was called again, all info was given and Experian still is rejecting it even though they said all was good. 

All I am trying to get accomplished is to get the electric in my name. I will need to have assistance with the electric bill and I cant get assistance if I cant get it in my name. It is ridiculous! I am grieving over my loss and trying to deal with this XXXX! Experian should not have that much control over whether I have electric in my name! If I end up freezing because they cant seem to get it together, I will take legal actions against Experian. I do not have XXXX  days to wait! Hopefully this helps others that is having the same problem with experian.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX  XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX  XXXX XXXX Balance Owed : {$180.00} XXXX  XXXX XXXX Balance Owed : {$180.00} 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 XXXXXX/XX/year>
Product: Credit card

I have a Mastercard with USAA. USAA failed to send me any notice whatsoever that my payment was past due and immediately turned it in to all XXXX credit bureaus damaging my credit and by doing so violated the FDCPA. USAA refuses to remove the reports it illegally made to my credit reports.
Product: Credit reporting or other personal consumer reports

back in may I created accounts with each reporting agency to uploaded the signed document from court stating they do not report to them. I also mailed them the documents and letters. I have been denied financing because of these unauthorized reports.
Product: Debt collection

This account has been in collection since XXXX. With XXXX Collections Reference Number XXXX. TD Bank/Target Red Card. On the day of XX/XX/XXXX I contacted XXXX in regard to three accounts that they are in possession of., but in regards to this account. the morning of XX/XX/XXXX at appox. XXXX CST I called three times. the first I was referred to Target supposedly through this number XXXX. I was told there was no way to pay bill online four times, I asked to speak to a supervisor and was denied access. The CSR said she was an account manger not a supervisor. The CSR stated she would disconnect the call if I did not listen. So I did it for her. then Call The Federal Reserve who then placed me in contact with your Agency. I called your Agency at XXXX CST. and CSR REP gave information of how to file complaint I decided to file on line instead of over the phone. XXXX XXXX XXXX # XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

A collection account from National credit system reported inaccurate information. According to Law FRCA Section B, it is illegal to report information on my credit report with out my permission. I demand to see verifiable proof of ( an original consumer contract with my signature on it ) that you have a file for the account. The account with XXXX XXXXXXXX XXXX was dismissed. See attached, and remove Immediately. This is inaccurate and I did not give permission to report this alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan debt listed on my credit report should have been discharged in XXXX  under Bankruptcy Case # XXXX it has been on my credit report and no changes were made to remove it despite the many requests. this is unlawful and has impact my credit score tremendously. Additionally, when trying to refinance my mortgage, I was told there are 2 entries for student loan debt - ( 1 ) XXXX XXXXXXXX and ( 2 ) XXXX  XXXX basically destroying my debt to income ratio ; I never owed XXXX XXXXXXXX in student loan debt. Any and all student loan debt needs to be eradicated from my credit report based on the bankruptcy documents.
Product: Mortgage

I have a VA Mortgage Loan, which states in the loan contract that Late payments are considered after the XXXX of each month. To be specific, any payments on the XXXX of the month is considered late. In XXXX of 2017 I electronically made my monthly payment on the XXXX of the month, due to the banks processing system. However that payment was on time under the terms of the VA loan. Never the less Wells Fargo Charged me a late fee for the month of XXXX 2017 My payment for that month nor any months prior to that month was late.
Product: Credit reporting or other personal consumer reports

Subject : Non Response Letter. I submitted documentation for Equifax to remove all inquiries and XXXX XXXX XXXX because I did not signed a contract with them on XXXX XXXX. I received a letter from Equifax on XX/XX/2023, XXXX hours later stating that the reinvestigation was completed and everything will remain on my credit file. Equifax did not do a proper reinvestigation into the items I disputed. I have requested a method of verification documents under Section 611. I have requested a proper reinvestigation of the disputed items on my credit report. Under Section 609, I requested all information Equifax have on my file. Under Section 610, I have provided all the proper identification that is required for me to get the information. Under Section 609, I have requested copies of all documents that Equifax used to verify these accounts were accurate. I have respected to receive a response within 15 days of this notice I sent earlier this month. I never received a response from Equifax, which is a violation of my rights. I sent this letter by certified mail to all CRA 'S. There was no XXXX digit dispute code to reference what I am trying to dispute. My suffix name is not XXXX. Which is another violation, and wrong address. If accounts are still on my credit report, I will send a intent to sue on the violations of Section 609, 610, and 611.
Product: Debt collection

Complaint AgainXXXX Zion Debt Holdings for Illegal Debt Collection Practices To Whom It May Concern, I am writing to formally file a complaint against Zion Debt Holdings, located at XXXX XXXX XXXX, XXXX XXXXXXXX, UT XXXX, and XXXX XXXX XXXX XXXX, XXXX, UT XXXX, for engaging in illegal debt collection practices in the state of Delaware. 

I have been contacted by Zion Debt Holdings regarding a debt that they claim I owe. However, I believe this debt is being collected illegally for the following reasons : 1. **Lack of Licensing** : I have reason to believe that Zion Debt Holdings is not properly licensed to collect debts in Delaware. Under Delaware law, all debt collectors must be licensed to operate in the state, and I request that the CFPB investigate their licensing status.

2. **Failure to Validate Debt** : I have requested validation of the debt, including an original contract between myself and Zion Debt Holdings XXXX As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive this validation. Despite my requests, I have not received any documentation proving that I owe this debt or that Zion Debt Holdings has the right to collect it. 

3. **Cease and Desist** : I hereby request that Zion Debt Holdings cease all collection activities until they provide the requested validation. If they continue to pursue this debt without providing proof, I will consider this harassment and a violation of my rights under the FDCPA.

4. **Removal from Credit Report** : Additionally, I request that any accounts related to this alleged debt be removed from my credit report. Since I have not received validation of this debt, it should not be reported as accurate or valid.

5. **Legal Action** : I would like to inform you that if this matter is not resolved promptly, I will take legal action against Zion Debt Holdings for their unlawful practices, including but not limited to failure to validate the debt and potential violations of state and federal debt collection laws.

I kindly request that the CFPB investigate this matter and take appropriate action against Zion Debt Holdings to ensure compliance with debt collection laws. Please confirm receipt of this complaint and keep me informed of any actions taken.

Thank you for your attention to this serious matter.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX
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.

Account name : # XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : # XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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: Credit reporting or other personal consumer reports

Same issue but now pushing credit cards even harder. Experian show on my Experian account that my credit score is XXXX while on the first progress credit card it shows XXXX which is in line with the 2 other reporting services. They keep showing me the XXXX to hope I will accept more credit cards and personal loans
Product: Checking or savings account

We were recently the victims of a scammer who posed as a usaa agent trying to set up protections in our account to prevent unauthorized transactions. The scammer used accounts attached to our usaa account to make fraudulent transfers from accounts that had insufficient funds to do so. They then called and told us there had been attempts to move money from our account to someone elses XXXX XXXX account and that in order to prevent future unauthorized transactions they needed me to make dummy transactions from my account to XXXXXXXX XXXX, and then transfer those funds from XXXX XXXX back to usaa. I figured out too late this was not usaa having me move funds around. I filed our dispute in the XXXX and no not only are we missing over {$400.00} of our paycheck that was taken by these transactions, but my husbands entire va XXXX check was eaten up by the overdrafts resulting from these fraudulent charges. I have talked to over XXXX agents, no one can issue my credit, their attempts to escalate my case have not helped, I am unable to speak to a supervisor or anyone who can do anything more for me. I am in danger now of having ly utilities shut off, my XXXX XXXX, my XXXX XXXX taken multiple hits as a result of not being able to pay loans etc and I dunno how I am going to feed our XXXX children XXXX days before XXXX and all they do is tell me to wait patiently.