23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXXXXXX : {$12000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00}, XXXX XXXX XXXXXXXX : {$14000.00}, XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXXXXXX : {$14000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$25000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired onXXXX XXXX XXXXXXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX
Product: Credit card

Hello, I hope you are doing well! 
I contacted Capital One on XX/XX/XXXX to file a dispute for a purchase I made on XX/XX/XXXX. The amount was {$280.00}. Capital One replied on XX/XX/XXXX and said the merchant provided evidence. I bought a cologne and the quality is defective because it lasted 2 hours on me, I also asked people around me to smell and they didn't smell anything. My friend has the same one but it lasts much longer. I'm not sure what the merchant provided that the item is good. On XX/XX/XXXX, I provided Capital One with my evidence, stating how people talked about the cologne, how is the service of the merchant, and how they were not replying to my email, I already said to the merchant I would send back the item and I want my money back but no reply. On the same day ( XX/XX/XXXX ), Capital One said my response lacked so they couldn't assist me with the claim anymore.
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} Late Payment : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated XXXX XXXXXXXX XXXX XXXX XXXX was properly investigated however this can't be possible if the open date is inaccurate. The date last active is incorrect and the date reported is also untrue. These circumstances are ground for removal. 

Furthermore, the bureaus have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. My rights were also violated under 15 U.S.C 1681 Section 11 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me when they receives any of my disputes. 

Moreover, the credit bureaus have continued to violate my rights under 15 U.S.C Section 611 ( 5 ) ( a ) ( l ) ( ii ). The states if items are found to be documented falsely or can not be confirmed the consumer reporting shall promptly delete the information from the file of the consumer My last name has legally been XXXX since 2012 I have paid my mortgage in full to XXXX XXXX ( Mortgage ID XXXX ( Credit Limit ) {$63000.00} I have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My name is properly spelled XXXX not XXXX Please delete IMEDDIATLEY
Product: Debt collection

Exeter Financed called several times each day for several weeks looking for someone that is not attached to my phone number. I had asked very nicely several times to stop calling that they were calling a company cell phone. The calls did not stop. I would receive up to 8 calls in one business day. I spoke with a manager on XXXX occasions and the calls have not stopped. They are trying to collect a debt from someone, but will not accept that person is not me.
Product: Mortgage

I have a conventional mortgage with Pennymac Loan Services. My mortgage balance had fallen below 78 % more than 3 months ago but I am still being required to pay the PMI. 

Loan origination date : XX/XX/XXXX Original LTV : 81.8 % Current LTV : XXXX The estimated scheduled date to reach 78 % is XX/XX/XXXX Current on payments ( never late ) I made some extra payments to my principal after a call with the mortgage company on XX/XX/XXXX after they told me that payment will terminate the PMI, which it did not. 

I contacted the company 's Escrow department today and was told that according to the closing disclosure 's projected payment section, I will need to pay PMI for three years in total. The 78 % or originally scheduled date for 78 % LTV will not terminate my PMI.

One option I was given was to pay a one-time fee of {$100.00} to perform an appraisal to check if I qualify for PMI deletion. They mentioned that appraisal will cost between $ XXXX $ XXXX.
Product: Money transfer, virtual currency, or money service

I got a text message in my XXXX saying that " VenmoAlert : You recently attached your checking account to Venmo for a transaction of {$720.00}. Contact Customer Care XXXX if not initiated by you. I called the number and they got access to my banking account.
Product: Debt collection

I received a " Settlement Opportunity '' letter from " Credit Collection Services '' for a debt of {$480.00} from  XXXX   XXXX , offering to " Settle your past-due account at a discount ''. My account is up to date with  XXXX  and I do not owe any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My dad passed away in XX/XX/year>. At the time I went to XXXX  bank and had all the accounts transferred to trust or benefices or so I thought. 

A few months ago, the State of XXXX  saying there was still an IRA with XXXX bank in my dad 's name. Shocking since I still bank with XXXX bank. Somehow the State of XXXX  found me but XXXX bank could not. 

I have sent my dad 's death certificate and my marriage certificate to XXXX  bank even though I did this when he died originally. Still they have not released the funds. They even told my brother he too had to send my dad 's death certificate. Ironically I was told by XXXX Bank that they have a copy of my dad 's trust on file. 

I want them to do the right thing and release the funds.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unfair Late Payment Reporting by Bank of America Dear CFPB, I am filing this complaint regarding an unfair negative remark on my credit report caused by Bank of Americas failure to process my account closure request properly. Despite multiple attempts to resolve this matter with the bank and XXXX, the issue remains unresolved, and I am requesting your assistance in addressing this violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue In XX/XX/year>, I requested the closure of my Bank of America account via a phone call. At the time of my request, the account balance was XXXX. I was assured that the account would be closed. However, due to the bank 's failure to process my closure request, the account remained open, and I was subsequently charged two {$15.00} fees. These fees resulted in late payments being reported to the credit bureaus, unfairly damaging my otherwise exceptional payment history. 

I have disputed these late payments with XXXX, requesting verification of their accuracy. XXXX has responded, claiming the information is accurate. However, the negative remarks on my credit report are the direct result of Bank of Americas failure to process my account closure request as promised, making this reporting unfair and inaccurate. 

Impact These unfairly reported late payments have caused a significant drop in my credit score and tarnished my impeccable credit history. This is unjust, given that the fees and subsequent late payments resulted solely from the banks error in failing to close my account as instructed. 

What I Am Requesting I request the CFPBs assistance to : 1Investigate this matter with Bank of America and XXXX. 
2Require Bank of America to remove the late payment reports from my credit history across all major credit bureaus. 
3Ensure compliance with the FCRA and prevent further harm to my creditworthiness. 

Supporting Documentation I have attached : A summary of my account history, including the timeline of the account closure request. 
Copies of correspondence with XXXX regarding the dispute. 
My XXXX  credit report showing the late payment remarks. 

Conclusion I believe this issue stems from Bank of Americas error and failure to act on my account closure request, making the late payments unjust and inaccurate. I appreciate the CFPBs attention to this matter and look forward to a resolution that restores the accuracy of my credit report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Debt collection

I have Filed Bankruptcy on this loan, And have refused to take it off XXXX XXXX. I have this Right to have this Removed, Please help Thanks.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX Date XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Opened : XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX Original XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Opened : XX/XX/XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Opened : XX/XX/XXXX Balance Owed : {$6300.00} Collection -v.n XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I purchased goods using my cashapp account. The goods were not as expected. I requested a return per the company 's policy, via email. I was given an address to send the items back for refund. The company ( XXXX XXXX XXXX XXXX tried to tell me they wanted to give me a credit towards another purchase. I refused and stood my ground asking for a refund. The company told me to send the items. In the email, I asked them to clarify that I would get a refund, to which they then agreed stating " We will refund you! '' I sent the items to the address XXXX was given, and provided the company with the tracking number. I paid to ship the items on XX/XX/2024 and usps confirmed delivery of the return on XX/XX/2024. 

I followed up multiple times to ask when the refund would be issued. I have yet to recieve a follow up with that that information. 

I then disputed the transaction 2ltwice with cashapp and it has been denied rwice stating the PURCHASE was not in error. I provided both screenshots of the company agreeing to a refund as well as the tracking number and dates. 

I believe this is fraud fro. A XXXX company.
Product: Credit reporting

I called and spoke with an manager and he stated that he would call me back so that I can make an arrangement to pay the car off but he never returned my calls or messages.
Product: Debt collection

Around XX/XX/XXXX I got a call from convergent collection agency stating that I owed an {$800.00} debt to XXXX, and they were pressuring me into paying over the phone at that time, so I told them I would call back, and I reached out to XXXX, seeing as how I am a current customer with them and have never missed a payment. The representative that I spoke to checked my current account that I had joined with my husband, and didnt find any descrepancies. From there he attempted to check the account we had closed out in store, when me and my husband merged phone plans. He stated he was locked out of the account since it was closed and I never set up a pin for it, but that it did not come up as flagged as delinquent nor did it flag as being sent to a collection agency. On XX/XX/XXXX I checked my credit report which I do quite often, and it showed a delinquent mark/ debt collection from XXXX. I called XXXX and after allot of being sent back and forth they were finally able to retrieve my closed account, and then confirmed that I had an {$830.00} bill that they had sent to collections. My complaint and what I would like to fight is that I closed my account and added a new one, The same day in store. And would have payed any balance I had if I were told. But not only did the in store manager not inform us of that there was anything unresolved with the account, we never got any bill, or any communication from XXXX saying that I had owed them anything. I closed that account out in XX/XX/XXXX, but was still a customer with them, in good standing, and it took 2 years for a debt collector to reach out to me about the balance, that XXXX representives could not verify until a few days ago. Now my credit report is damaged, and I would like to fight this. I would pay what money I am found to owe, but I would like this expunged from my credit
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 has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate.According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

My auto loan through ally XXXX XXXX is in good standing and when I make my payments every month I get no credit score increase for making on-time payments.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX RE : Collector Disclosure Statement Account Number : XXXX To whom it may concern : I am inquiring about my credit report and I have questions and I would like honest answers please. 

How do I know I owe the amount $ {$260.00}? 

How do I the natural person owe the amount {$260.00}? 

What are the terms for this assignment for Account XXXX? You may attach facts of any records related to such terms. 

Have any insurance claims been made by any creditors regarding the assignment on Account XXXX 

Has the reported balance {$260.00} of this account been used by any tax deduction claims? 

Please list the products and services sold by the collector to the debtor and the dollar amount each? 

Upon failure of collector to validate collection action, collector agrees to wave all claims against the debtor named herein and paid debtor for all cost and attorney fees regarding legal action. 

Thank you very much. 

Best Regards, ___________________________________________________________ By : XXXX XXXX XXXX XXXX XXXX Without Prejudice
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated FDCPA in multiple ways : - They contacted my employer more than once, on XX/XX/XXXX and on XX/XX/XXXX- They contacted a relative and left a message, then disclosed that they are attempting collect a debt.
Product: Student loan

In XX/XX/2012 I received student loans of various types. At the time, with all of the information being provided to me, I was told that the loans would be low payments and I would have a Public Safety Loan Forgiveness set up. Following the end of school, I set up a payment plan with XXXX. The payments were manageable and were being paid. 

Since the conclusion of school, I have been required to reapply for payment plans, PSLF, as well as payment increased to over {$600.00} a month by companies. When changing loan companies, to lower payments and better customer service, I have been given contracts for payment that are manageable, with the PSLF. The contracts are then bought by FedLoan and then I am forced to reapply and/or the payment is higher. As well, a lot of the time, their apps don't work to make payment and service is horrible. 

At this time, I am back in school, so payments have ceased.
Product: Money transfer, virtual currency, or money service

We keep getting arbitrarily harassed by XXXX XXXX and their merchant services affiliate FISERV - like for today for example we woke up to try and login to our XXXX XXXX  account ( a feature created by FISERV to access our credit card deposits/chargebacks/etc ) and the " password didn't work. '' So then after we changed the password by authenticating ourselves a few times via email, and were able to log in, the entire data for merchant account ending in XXXX was completely and totally deleted, we think in retaliation for filing so many bona fide legitimate complaints against these XXXX entities with the CFPB and the XXXX XXXX. Please urgently investigate and advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I would like for you to know that I am not a credit repair company. My name is XXXX XXXX and with this complaint I will upload a copy of my License, social security card and a bank statement. I am filing this complaint because I am a victim of Identity theft. XXXX, XXXX, and Equifax all furnished my consumer report without my consent. I sent several disputes to these companies requesting a written agreement/ contract, or any written instruction with my signature allowing them to furnish my consumer report. Each time they failed to disclose these documents which is a violation of the FCRA 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports.Their failure to disclose these documents forced me to file a FTC complaint, and my next step will be to file a lawsuit against each of the companies if the accounts below are not deleted from my consumer report immediately. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I tried disputing a transaction that I have made which was a total of {$54.00} purchase which was the date of XX/XX/2020 at XXXX. The Name of the company is XXXX. 

another thing is unemployment had put in my money for the month of XX/XX/XXXX and the money was never on my card and i called XXXX and they never answered the phone
Product: Debt collection

Hunter-Warfield does not own this debt and this debt is invalid. Hunter-Warfield was persuing an alleged debt for XXXX XXXX XXXX XXXX in the amount of {$3300.00}. I have already had two attempted lawsuit 's, in the wrong state which had to be thrown out. Also, the amount of the debt is outrageously invalid. As of now, a law firm- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . are persuing legal action with an alleged balance of {$2700.00} for XXXX XXXX XXXX XXXX. This debt is not owed and is not my debt. This debt needs to be removed from my credit report. Thank You
Product: Debt collection

I keep receiving letters from Frost Arnett about a debt I dont owe. The latest one was on XX/XX/XXXX after several attempts before that. I did send a letter indicated that the information of my debt is invalid and also called the company ( Frost-Arnett ) to explain that i never received any service from their client ( XXXX XXXX XXXX ) so that is impossible for me to owe them any money.