23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Im writing to Dispute a Billing Error in the full statement balance of {$8000.00} Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. 


Sincerely, XXXX
Product: Debt collection

We have been receiving robo collection calls at our business number everyday at between XXXX XXXX and XXXX XXXX. This has been going on for several months. The recorded messages gives the name of a person and states this is Monarch Recovery and they are trying to collect a debt from the named person and instructs the person answering to press a dial pad number to be connected. We have spoke to people at this collection agency several several times to explain that we do not know this person nor has this person ever been employed by us, yet the calls continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00}
Product: Mortgage

I had a Covid relief forbearance. I was approved for a modification when that ended. I have the final notarized copy of the modification from SPS and have made two payments. My first payment was due before XX/XX/22, I made a {$1100.00} on XX/XX/22 for that payment. Watching the status of my account online I noticed after XXXX that payment was not posted and applied to my account. On XX/XX/22 when my account still showed a XXXX payment due I made another payment of {$970.00} so my account wouldn't be past due and jeopardize the modification. SPS posted the {$970.00} payment to my account but have not posted the {$1100.00}. I have called SPS four times regarding this and the only response I get is " they haven't processed my modification yet ''. I spoke to a supervisor who sent an escalation to Cashiering to have my payment processed. According to the statement I've received it is still " not applied ''. I'm sure SPS is making interest on my {$1100.00} they have been holding since XX/XX/22. I should be paid the interest. Also, had my {$1100.00} payment posted when I paid it, it would have reduced my principal and saving me some interest for the next month. I called again on XX/XX/22, still no updates, the representative was rude and unhelpful. I called to set up reoccurring monthly payments and she talked in circles asking me what I wanted to do. I explained reoccurring payments. I got nowhere with her. I asked for a supervisor. She placed me on hold for at least 14 mins and came back to tell me she and her manager looked at my account and couldn't set up a reoccurring payment until a code was removed. She avoided letting me speak to a supervisor or manager. But she told me a reoccurring payment was set up but I needed to call in monthly for 6 months to pay by phone. I asked for the manager and after on hold several more minutes I hung up. Yesterday I spent 30 mins on the phone with SPS and accomplished nothing! Just like all the other calls!
Product: Credit reporting, credit repair services, or other personal consumer reports

I MADE AN UNINFORMED DECISION ON XX/XX/XXXX AND XX/XX/XXXX WHEN I ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH XXXX XXXX WHERE I EXTENDED CREDIT TO XXXX XXXX FOR THE FOLLOWING ACCOUNT # XXXX AND ACCOUNT # XXXX. 

THERE WAS NO EVIDENCE OF INDEBTEDNESS. THE ONLY EVIDENCE OF INDEBTEDNESS WAS THE AGREEMENT. BUT BECAUSE OF THE UNINFORMED DECISION THAT AGREEMENT IS NULL AND VOID BECAUSE I DID NOT UNDERSTAND AND KNOW WHAT WAS IN THE AGREEMENT. THE AGREEMENT WAS NOT CLEAR AND CONSPICUOUS AND I WAS UNAWARE OF WHAT I WAS AGREEING TO. 

VIOLATION OF THE FOLLOWING LAWS : 15 USC 1602 ( p ) 15 USC 1602 ( k ) 15 USC 1601 ( a ) Please see attached dispute letter to XXXX  XXXX. 
A complaint has also been filed with the ATTORNEY GENERAL of State.
Product: Checking or savings account

I am currently on XXXX and receiving funds from the state of California. the Process requires the monies be deposited to Bank Of America XXXX Pre-Paid Cards. My Issues Is with Bank Of America and how they Manage the account. More Specificly the fact that they are restricting access to funds for an additional day from the date of the deposit is issued by California XXXX, additionally may Pre-Paid Card had expired and they didn't not send the replacement in a timely manner causing an additional delay of 10 day to gain access to my funds as they do not allow for transfer to another financial institution with out a valid debt card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a XXXX XXXX XXXX XXXX XXXX. However Card Denied. reasons : 1. Serious delinquency, and public record or collection filed-Provide proof? 

2. Number of accounts with delinquency- Provide account names? 

3. Time since delinquency is too recent or unknown- Provide time and dates : 4. Length of time accounts have been established- Provide length time names? 

Please provide insufficient requested information as stated above.
Product: Credit reporting or other personal consumer reports

Multiple phones calls to the credit bureaus asking for help to delete false and unauthorized inquiries. Insisting that I did not give my written or verbal consent for such actions. The inquiries are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note ; My son and I both share the same first, middle, and last name. He is a XXXX and I a XXXX. The above inquiries should not be on my credit report. This is a violation of *15 U.S. CODE 1602
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXXXX/XX/year> Transunion LLC XXXX XXXX XXXX XXXX, pa XXXX Request for removal of unauthorized hard inquiry Dear TRANSUNION LLC I am writing to disputXXXX a hard inquiry that appears on my credit report, as I believe it was conducted without my authorization. I recently obtained a Copy of my credit report and noticed the inquiry listed below : Inquiry date XXXX  Creditor name : XXXXXXXX XXXX I do no recall authorizing this inquiry or having any business dealings With [ Creditor name }, as a result, I am requesting the removal of this hard inquiry from my credit report I understand that hard inquiry can have an impact on my credit score And I believe this inquiry is inaccurate. according to the fair credit reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports I kindly request that you invesgate this matter and, if the inquiry is found To be unauthorized, promptly remove it from my credit report. I also Request that you provide me with written confirmation of the removal Thank you for attention to this matter. I appreciate your prompt Resolution of this dispute Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX at XXXXXXXX XXXX. XXXX ( XXXX at XXXX ) denied me my rights under the FCRA and CCRA to file a dispute of a Hard Inquiry placed on my credit report/file by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. A inquiry that I did not apply for to receive a hard inquiry. The Manager at XXXX stated to me directly that XXXX XXXX XXXX is bigger than FCRA and CCRA, that the Sections of the FCRA 604 ( b ) ( 3 ) ( F ), 609 ( a ) ( 3 ) ( F ), 611 ( a ) ( 1 ) ( B ), 623 ( a ) ( 1 ) ( C ), 611 ( a ) ( 1 ) ( A ), 609 ( a ) ( 3 ) ( A ), 605B, and FDCPA 809 ( b ) means nothing because our internal protocol out way all the sections you are stating. Now, by me being a victim of Identity Theft my claim nor my disputed should been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received an alert on my credit report and noticed an account I've never had or opened. The name of the account is listed as LVNV Funding. I have been is dispute with the credit bureaus over the past several months in regards to fraudulent accounts appearing on my credit file due to identity theft. Most of the accounts have been blocked from the bureaus but for some reason this account is now showing up on my report. I never received any initial 5 day notice in the mail as per the Fair Debt Collection Practice Act requires. At this point LVNV Funding is in violation and this account must be removed immediately from my credit file. I've never received any goods, services, or money in relation to this account from LVNV Funding or XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the inquiries listed on my TransUnion credit report below are fraudulent. 

TransUnion fraudulent inquiries XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 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 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. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information
Product: Mortgage

I purchased my home in XXXX and financed with Wells Fargo. I refinanced my mortgage loan with Wells Fargo in XXXX, but I did not escrow. My mortgage payment was {$1900.00}. I requested that my mortgage be escrowed on or about XXXX. My mortgage increased to {$2600.00}. That was a substantial increase. However, in XXXX, my mortgage increased to {$2800.00} due to an increase in my mortgage insurance from approximated $ XXXX {$3000.00} up to over {$4000.00}. The increase caused a hardship. I got behind on my payments by 3 month due to the {$200.00} increase. I paid 2 late payments and I now I have to pay one more. However, Wells Fargo sent a projected shortage in escrow of {$29000.00}! I have no idea of how they calculated such a huge shortage. Wells Fargo projected my mortgage insurance will increase to {$15000.00}, but my mortgage insurance is {$3800.00}. Wells Fargo also has calculate an escrow shortage of {$7900.00} and added that to the insurance and property taxes. I have no idea of why there is such a huge shortage. Well Fargo wants to increase my mortgage is {$4600.00}. There is no way I can afford to pay an additional {$1700.00} each month. I have never seen a mortgage increase from {$1900.00} to {$4600.00}. I have a fixed interest rate of approximately 6.5 %.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to reset my XXXX password. XXXX is not emailing me a link to reset my password and I am un able to use my previous password. I have emailed them multiple timesand have filed a complaint with them and they only respond with an automated email. They have not resolved the issue are are not allowing me access to my funds or tax information. They have no live support and I need access to my money and funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from

AMEX on BOTH my XXXX nad XXXX  credit report that i did not AUTHORIZED. I spoke with the AMEX Fraud department by phone once i was notified of these unauthorized hard inquires.

after being asked security questions by Amex i was told they will contact the Credit bureaus and have those Hard Inquiry 's removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by AMEX.

They did not remove those unauthorized hard inquires from XXXX and XXXX but allowed it to stay to intentionally hurt my credit score.

I contacted both XXXX  and XXXX on XX/XX/2018 and was told AMEX never contacted them.
Product: Checking or savings account

At XXXX on XX/XX/XXXX, my father and I went to the Bank of America branch to withdraw a cashier 's check $ XXXXWe were met with unreasonable demands from bank XXXX XXXX 's induced questioning and bank manager XXXX XXXX! same time I called Bank of America to complain ! The end result was that all of our family 's Bank of America accounts were closed on XX/XX/XXXX cant withdraw money
Product: Credit reporting or other personal consumer reports

I filed a dispute on XX/XX/XXXX about an erroneous negative and duplicated account on my Experian credit Report. The investigation was completed on XX/XX/XXXX and it came back validated and updated as a charge off. This account is from XXXX and the last date that it was active varies on both duplicated XXXX XXXX accounts. They have the same account number but different dates on account activity and payment histories.and balances. One of the duplicated accounts has a last payment date of XXXX and the other comes a date of XXXX. Either way its over seven years and it is reporting unlawfully according to the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 60 days, and I have not received a response. I feel like Im being taken advantage of and being ignored for the dispute I requested. 

Section 611 ( a ), It is plainly stated : If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as XXXX  ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

It has been over 60 days. The inaccurate information/accounts should be deleted immediately, or I will file a litigation due to the stress it has cause me. My information was also impacted by the Equifax Data Breach and may have got into the hand of the wrong person.
Product: Credit reporting, credit repair services, 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 USC1681. 

XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXXXXXX XXXX XXXX # XXXX has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT ISN'T MINE, I AM NOT RESPONSIBLE OF THIS ACCOUNT. I AM A VICTIM OF ID THEFT. PEOPLE HAVE USED MY INFORMATION TO OPEN IT. 
XXXX XXXX -Opened XXXX {$73.00}
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently created or affected due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

I opened a credit card account with Aspire. I normally paid the balance I owed in full at the end of each month. Because I no longer wanted to pay the excessive fees and high interest rate, I paid the full balance and chose to " Lock '' my account on XX/XX/XXXX. 

Later that day, I received an email from Aspire stating that my account was " Closed '' and that " All future authorization requests will be declined. '' However, when I checked my account a week later, it appeared that I still owed {$210.00}. So I immediately paid that amount on XX/XX/XXXX, which caused an overpayment in that amount. 

I contacted the company on XX/XX/XXXX ( the day this charge appeared as an ach debit on my bank account ). I was told that they could not reverse the charge, even though it was made the day before and a refund would take 7-10 business days to process. 

I contacted them again today and was told that " it takes 7-10 business days for internal processing and an additional 10 business days for me to receive a refund check. '' I was further told that " a refund check was not processed. '' The card was issued by The XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2019 i switched bank accounts and forgot i had to add my new debit card information to my credit account and missed a month and halfs time of payments. once realized i quickly resolved the issue and have been paying on time like usual ever since. i would like to have the late payment removed for my reporting history
Product: Debt collection

This complaint is in regar ds to National Enterprise Systems , Inc tr ying to collect {$1500.00} for a debt to  XXXX  that I have settled on  XXXX   XXXX ,  2017 .  XXXX  responded to a complaint through CFPB with a letter stating that they would accept my settlement offer and report that the account is settled in full. This is not a fair practice.
Product: Mortgage

Thank you for not providing all documents to us on this matter and we are n't fighting your judgement just saying thank you for that judgement