23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently reviewed my credit report using one of several free services. It was at this time that I observed that a collections account had been opened back on XX/XX/2020 on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. 

I was puzzled by this. 

I am aware that prior to XX/XX/XXXX of 2020 that my XXXX XXXX XXXX  XXXX account had been in collections, and I was given two different options at that time. I could pay an extremely large amount of money which reflected all of the past due service charges, any late fees from those billing statements not paid, plus the entire cost of the rented dispensers on account, plus charging for every single bottle in my possession.

Suffice it to say that was an astronomical amount of money. I was also given an offer to pay a much smaller amount of money to resume services. I selected the option to resume service, I provided my payment information over the phone, I then asked how I would go about restoring service, because DS Waters when I previously called them stating that I just wanted to pay them to get the account back current said I could not deal with them once it went to collections ... 

I was advised that someone from either the collections company or XXXX  XXXX XXXX XXXX would contact me to resume service. 

It's possible that phone calls/voicemails were missed. Not likely because I was actively expecting those calls. I was never contacted in writing by either party to resume service. 

I was never contacted by either party to indicate that billing and service had automatically resumed under the previous service conditions. 

I was never contacted to in writing to communicate that I needed to call someone to restore service. 

I was never contacted in writing to communicate that this account was sent to collections. 

I fail to see how I can be sent to collections, for something that I was never even billed for. 

I performed my responsibility which was to pay the amount communicated by the previous collection attempt. When I asked that representative about next steps, she never indicated that it was my responsibility to contact anyone, for any reason ... 

When skimming through complaint information about this collections company on your website, I observed that at least one other person had issues with a water delivery company. I must wonder where the problem truly lies, on the end of the water company, or the end of the collections company. In this situation however, I feel that both companies have committed multiple errors along the way.
Product: Checking or savings account

Tired to cash a check of {$5000.00} dollars with B.O.A.!! Customer since 1995. Due to relationship with the Bank I could not. Check needed to be deposited. ( I also have two direct deposit accounts ). Don't know if the " Bank '' is catering to the " rich '' or if " racial profiling '' is the issue. In any event I felt that I was being targeted or punished due to past relationship. Not really looking for resolution as much as wanting my issue to be heard. Ty XXXX
Product: Credit reporting or other personal consumer reports

My XXXX XXXX filed falsely for child support in the state of New York City and wasnt suppose to be obtaining any payments because my son doesnt reside with her at her residence or nor does she has legal custody which is documented in the family court legal system in the state of New York XXXX By the time newyork rectified the situation it still was a permanent charge off on my credit report after all these years I am process of buying a home and would like this to be immediately removed
Product: Money transfer, virtual currency, or money service

My account was overdrawn by {$80.00} and some change. I deposited a check for {$92.00} through the XXXX XXXX, the check had a post date for that day but wasnt reflecting in the available balance which has never happened with a check under {$100.00}. I called customer service to get them to check on the account to find out whether or not there was going to be a fee applied to my account. I explained I could not afford a fee on my account, I was not able to pay it, and Wells Fargo would not refund the fee if I received it. I asked if I needed to try and borrow money from someone to get my account in the positive or if the account would be in good standing by midnight. I was reassured that no fee would be put on my account and that the check would post for that day and put my account in positive standing. I was misinformed directly by the Wells Fargo employee that reassured me after checking with another department, there would be no fee put on my account and it would be fine. I received XXXX insufficient funds fees on my account for a total of {$70.00}. They are now refusing to refund those fees despite the fact I was directly misinformed by their employees, I was also told they were not responsible for misinformation from their staff, and it was not bank error, and it was not on the list of reasons as to why they could refund fees.
Product: Debt collection

I have asked Portfolio Recovery Associates for proof of debt in the way of the original documentation showing my signature or that I agreed to these credit card debts. I have only been provided statements again and again since XX/XX/XXXX and no contractual proof The last letter received from the is dated XX/XX/XXXX & XX/XX/XXXX XXXX XXXX
Product: Debt collection

I have contacted Sequio Financial services asking to validate the debt, but I have not received anything from them. 
I did not authorize this charge. This should not be on my account Account no. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have these accounts corrected : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan XXXX has shifted many mortgage companies hands since my husband and I took out the original loan XX/XX/XXXX. 

I thought sure we purchased Mortgage Protection Insurance in case of the death of either spouse. The original loan mortgage was sold to other lenders. 

I would like to have someone check on this since my husband passed on XX/XX/XXXX and I would like this balance paid off as I believe we signed up for this protection. 


XXXX XXXX XXXX XXXX XXXX CT XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of fraudulent accounts and inquiries from my credit report under the guidance provided by the Consumer Financial Protection Bureau ( CFPB ). I am a victim of XXXX XXXX  specifically XXXX XXXX  which is recognized under the XXXX XXXX Rule 1002.142 ( b ) ( 4 ) -5 through 1002.142 ( b ) ( 7 ). As per section 605C of the Fair Credit Reporting Act, I kindly ask that you block and delete the following accounts and associated inquiries from my credit report within four ( XXXX ) business days. These accounts and inquiries were not initiated by me and have resulted in fraudulent collections appearing on my consumer FICO credit report. The fraudulent accounts are as follows : 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 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 XXXXXX/XX/XXXX These accounts and inquiries were not opened, made, or initiated by me, and I do not recognize them as my own. I am requesting that you take immediate action to remove, block, and delete these fraudulent accounts and inquiries from my credit report. Please consider this letter as my formal dispute of the listed accounts and inquiries. I have attached a letter from an advocacy group assisting me as a XXXX XXXX survivor to support my claim. Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AK XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AK XXXX
Product: Mortgage

The company pulled my credit without any authorization and that company has a lot of reviews that says the same
Product: Credit reporting, credit repair services, or other personal consumer reports

It is common knowledge that CRAs do not investigate errors in the interest of the consumer, but rather err on the side of paid subscribers. It is a business and nothing more. a form letter with a typed name and no signature is NOT verification! 
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or haven't gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 us code 1681. The law clearly states 1. Accuracy and fairness of credit reporting. Congress makes the following findings : 2. 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 public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy Of Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. The company known as " XXXX XXXX XXXX '' is known to have a multitude of FCRA violations but can list with the 3 major CRAs without regard for consumer rights. This is a clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer.
Product: Student loan

I have requested of Navient multiple times a full accounting audit for my XXXX XXXX and Department of Education loans. Each time they have given me the run around and provided me the same incomplete or inaccurate information. The initial communication was in XXXX, and on XX/XX/XXXX I was provided an incomplete list of transactions, but no audit. Then on XX/XX/XXXX, I contacted XXXX where they provided on XX/XX/XXXX another list of transactions and referred us to studentaid.gov, but still not an audit. Studentaid.gov does not have any more or different information than what Navient has, so we still have no resolution or further insight. 

I believe a XXXX XXXX opened in XX/XX/05 has been improperly accounted for, inflating my current balance due. According to my records and credit reports, the amount was consolidated and closed ; however, I dont think it was cleared from their books and was re-consolidated causing it to be double counted. 

I request your support in resolving this issue.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts that are inaccurate are XXXX, XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is reporting inaccurate information about balances that I do not have. The following information is being reported and is inaccurate, {$2700.00} balance that includes but not limited to {$1100.00} reletting charge, {$810.00} carpet replacement, {$85.00} cleaning fee, as well as a {$75.00} late fee and additional interest when I do not have a contract with the collection agency in order to charge interest nor do I have an open account with them. I gave notice upon moving out so the reletting charge is invalid, carpet had no major stains or damages normal wear and tear and the tenant can not be charged full carpet replacement for normal wear and tear. I was not given a billing statement until after move out so I was unaware of amount to be paid in which I requested for amount and was not given a correct statement until I received a collection letter, therefore I will not pay a late fee for an error I did not cause. I have sent pictures and videos of the move out report proving no damages and the apartment was left in much better condition than when I moved in. This company has refused to do whats right for a XXXX and it affects me. I want a resolution as soon as possible as I have been fighting this for 2 years.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B This is a billing error. I always paid as agreed and on time. This is an error and this account is in violation - This is paid as agreed and should not be reporting negatively on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX the information on these accounts are wrong..All 3 credit bureaus is not verify everything on these accounts., I have the right to have accurate information on my credit report..I will provide you proof they are not verifying these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OR AMERICA IS REPORTING ME ON XXXX XXXX XXXX XXXX AS ATTEMPTING TO TRASACT AN ACCOUNT IN AN UNAUTHORIZED OR PROHIBITED MANOR SPOKE WITH XXXX SAID I OWE XXXX AND SENT ME A LETTER SAYING SHE COULD N'T HELP ME AND I CA N'T REOPEN A BANK ACCOUNT KNOW WHERE. I CALL THERE RECOVERY NUMBER SPOKE WITH XXXX  AND SHE SAID I DO N'T OWE ANY MONEY THE BALANCE WAS ADDED TO MY BANKRUPTCY. I ASK IT I CAN GET A LETTER SHOWING I DO N'T OWE NO FEE 'S IN IT WAS ADDED TO MY BANKRUPTCY SO I CAN CLEAR MY NAME WITH XXXX XXXX AND OPEN A BANK ACCOUNT I WAS TOLD NO. I FEEL BECAUSE I FILED BANKRUPTCY BANK OF AMERICA IS BLACK BALLING ME FROM OPENING AN ACCOUNT WITH ANY BANK ... PLEASE HELP ME
Product: Credit card

I believe the account is invalid. CAPITAL ONE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.CAPITAL ONE XXXX
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> I am filing a complaint against Monterey Collection SV, for violating the Fair Debt Collection Practices Act ( FDCPA ) and my rights under federal law. 

Specific Violations : Failure to Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency has not provided me with the written validation notice required by law. This notice details the debt, its creditor, and my rights to dispute it. 

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : Without receiving the validation notice, I haven't been given the chance to dispute the accuracy of the debt. 

False, Misleading, and Deceptive Practices ( 15 USC 1681-S 2 ( 7 ) ( A ) ) : By placing a collection account on my credit report without proper validation and dispute opportunity, the agency is using deceptive means to collect the debt. 

Unauthorized Furnishing of Information ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S 2 ( 7 ) ( A ) ) : The collection agency has no right to furnish this debt to credit reporting agencies without following the required legal disclosures. 

Additional Information I have not received any communication from the collection agency regarding this debt. 
If they attempted mail correspondence, they must provide a tracking number confirming deliver. 
Due to my current living situation, I can not receive mail at the address they may have on file. Therefore, any mailed communication likely wouldn't have reached me. They can not assume I received information they couldn't demonstrably deliver. 

Request : I request the CFPB to investigate these violations and take appropriate action against the collection agency. This may include : Ordering the agency to remove the collection account from my credit report. 
Requiring them to provide me with the proper validation notice and dispute process. 
Stopping them from using any further deceptive practices in collecting this debt. 

Thank you for your time and attention to this matter Sincerely, XXXX XXXX XXXX
Product: Prepaid card

On Sunday XX/XX/XXXX I purchased a bunch of {$200.00} mastercard gift cards at XXXX. When I tried to use them on XX/XX/XXXX, XXXX of them had been hacked. This is absolutely negligence on the part of US Bank. They know how easily their cards are to hack and this is not the first time this has happened to me. When you try to file a claim with them, they put the whole onus on you to prove that you didnt make the charge. I 've even figured out how they are being hacked and have offered to explain this to the bank but they do n't care. I should n't have to wait months for US Bank to repay me. Please help me ( the consumer ) not get taken advantage of by these banks!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I wrote XXXX to investigate hard inquiries on my credit report that are reporting with my consent or permission. I have never received a response back from them and my credit report was not corrected. I already contacted the companies and they said that I needed to get with the bureaus about them so that is what I have done. I never received a response back and the fraudulent inquiries still remain on my credit report. I need these off my credit report because I never gave those companies permission or my authorization to check my credit score. 

I also disputed the account XXXX XXXX XXXX  Account Number : XXXX for accuracy. This account was included in a bankruptcy. I would like this verified and removed due to no investigation/response ever occurred please.