23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am being charged by XXXX XXXX and Jefferson Capital for a debt I did not own. I did not sign or authorize any of these accounts. I have been disputing these charges for the last 60 days with letters to the 3 bureaus and the creditor themselves. I was in XXXX XXXX from XXXX. This is fraud and someone uses my identity. This is not my debt. Please remove this from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an active installment account with XXXX 's Applicances for a furniture purchase since XXXX of XXXX and have since satisfied my account in full in XXXX of XXXX. My account has been in good standing the entire until XX/XX/XXXX. XXXX 's furniture inaccurately reported a XXXX, XXXX, XXXX, 120 day late payment to all three credit bureaus ( XXXX, XXXX, XXXX ) from XX/XX/XXXX- XX/XX/XXXX despite being enrolled in XXXX. I contacted them and the first reason I was given was that auto pay only last for 6 months at a time, something I was not made aware of at the time of set-up. I also only called twice throughout the entire length of the loan to set-up autopay so this can not be accurate either. The second reason I was given by a second person was because my account was not in good standing in XXXX so they reported all the late fees in the end.The third reason I was given was I set up XXXX automatic payment with a representative in XXXX or XXXX to finish the life of the loan however XXXX 's claims to have received a payment for each month from XX/XX/XXXX - XX/XX/XXXX except for XX/XX/XXXX. I contacted my bank and they have no record of any such attempt for XXXX of XXXX. They also did not attempt to contact me in anyway in XXXX in XXXX or any time afterwards regarding any kind of late payment. The last communication I received from them regarding any kind of late payment was in XXXX of XXXX which prompted me to call them and set-up the final automatic payment arrangement. 

XXXX 's Applicances ' lack of centralization of records and communication forces their hand into predatory behavior of the consumer and credit reporting. They are not transparent about the duration of automatic payments, they do not consistently contact the consumer regard account issues and they report inaccurately to the credit bureaus. After speaking with them, providing bank statements and satisfying my account, they will not correct the inaccurate credit reporting.
Product: Credit reporting

I am making formal complaint against the all XXXX bureau who continue to report the same items on my credit report that are not accurate and were paid off prior to me closing the accounts. I am receiving collection notices in the mail from collection companies that violating my rights as a citizen and soldier. I writing you today to clear my credit report of these inaccuracies from all three bureaus. I have written all three bureau and they have sent me verification in the that was incorrect to knowledge and the companies that reported to these bureaus. I think I should receive a claim for the mistakes on my credit report. I have sent multiple letters and information attach to each credit report that states that the information was incorrect and should be deleted. I request that all item of inaccuracy be deleted from my credit report.
Product: Credit card

Was charge a late fee as we didn't receive a bill. contacted the company, paid over the phone and was told it would take XXXX weeks for the late charge to be removed. we're going on 3 months and the late fees are adding up and compounding due to the lack of action to remove the original charge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reporting late payments. See attached documents.
Product: Mortgage

I refinanced with Rocket Mortgage and they admittedly miscalculated a payoff amount and entered the wrong payoff on my closing disclosure. They sent a payoff to my existing mortgage company that was roughly {$700.00} short and every day interest is accruing on that remaining balance. Rocket Mortgage wants me to be solely responsible for their error in incorrectly entering a payoff amount on my closing disclosure when they had the correct payoff amount from my former mortgage company the whole time. They are saying that the compliance agreement I signed at closing protects them from any liability in errors they make or for money they fail collect at closing. However the agreement does not cover my specific situation, nor does it itemize incorrectly disclosed figures on the closing disclosure. Rocket mortgage offered to pay some of the payoff shortage ( less than half ) but this is not an error that I should be responsible for. I read over my closing disclosure and trusted that it was accurate. I trusted Rocket Mortgage to handle my refinance with care ; however, I am extremely disappointed and worried about the consumer harm I will experience if they do not correct this issue. Interest is accruing daily and this is resulting in a larger remaining balance on the mortgage that I refinanced through Rocket Mortgage.
Product: Checking or savings account

I had my daughter tax return check deposited in to my account as it came in I withdraw it, and then my tax return check was deposited in to my account at Chase bank and they took my money I dont own them a XXXX, they have no right to take my money. This situation has caused many problems in my life my truck was repossessed and I and my kids were homeless because of what Chase bank did to my tax return money, all I want is my tax return money every dollar of it .Thanks sincerely XXXX XXXX XXXX
Product: Mortgage

I received a letter dated XX/XX/2020. That my request was received and all foreclosures and collections activity wil Will cease doing this 30 day Review, But my house was sold on XX/XX/2020 And then I was told that the letter was not sent out but I have a letter in hand.
Product: Credit card

I was taken advantage of because I have a learning XXXX and a physical XXXX and now have to speak to this phone to write that someone has stolen and use my card to multiple place and I do not know who. Some people come to help me out sometimes to clean and to general help me out. all of the charges are not mine this is the second time and American Express is discriminating against me because of my learning XXXX and XXXX by refuse to help me. Please just help me. Im tired of people taken advantage of me. I didnt never authorize no one. The lady I speak did not even do anything to fix my balance
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX BALANCE {$27000.00} Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Dovenmuehle Mortgage , Inc. failed to apply our mortgage payment for XX/XX/XXXX from the prior mortgage company that we paid in XX/XX/XXXX. The prior company already transferred all payments to Dovenmuehle before the transfer happened. We've been in contact with both the prior company and Dovenmuehle since XX/XX/XXXX and this issue is still not resolved. Dovenmuehle keeps sending debt collection calls on us when we've already made our payment on time ( back in XX/XX/XXXX for the XX/XX/XXXX payment ). We've made multiple phone calls to Dovenmuehle, trying to resolve the issue since XX/XX/XXXX and Dovenmuehle still has not applied our payment back to our account. It is now end of XX/XX/XXXX and our mortgage has already been sold to a third mortgage company as of XX/XX/XXXX. Now, the new mortgage company is saying we're late for our payment, because our first payment was never transferred from Dovenmuehle. We're very frustrated because we did our part to make our payment on-time in XX/XX/XXXX for the XX/XX/XXXX payment after our house was refinanced to the first bank. Just because our loan was being transferred to Dovenmuehle, Dovenmuehle somehow failed to take the payment and applied to our monthly mortgage payment. It is sitting in their suspense account and none of the people we talked to was able to do anything about it.
Product: Checking or savings account

Purchase a puppy online and made {$400.00} deposit via XXXX payment through my Jp Morgan Chase checking account. Turned out it's fraudulent sale. Contacted my bank to stop or reverse money payment but informed that they can not do anything. Tried calling XXXX but won't accept my call, instructions said to call my bank. I am being given a run around to cancel or reverse transferred money.
Product: Debt collection

On XX/XX/2020 Someone fraudulently opened an account with Discover bank using my information resulting in a XXXX dollar debt that isnt mine
Product: Debt collection

Procollect hhas been placing, removing, and returning debts to credit report, doing damage to my credit. Company has been complained about by myself in the past ( Complaint XXXX ) but has done nothing but even use the CFPB complaint to try to collect the debt and did nothing to address my initial complaint. Company has failed to comply with FDCPA regulations relating to debt collection, including failing to provide proper validation as required under the FDCPA and XXXX XXXX of the Texas Finance Code, merely sending a copy of a statement instead of full information that authorizes them to collect the debt. 

Recent issue involves the reporting of debts. Procollect removed their debt from my XXXX report on or before XX/XX/XXXX, when such change was detected. Procollect returned the debt to my report on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The banking system relies on my consumer reports being fair and accurate to me, as stated in 15 usc 1681 ( a ) ( XXXX ). As a result of your carelessness and allowing inaccuracies to be furnished on my consumer reports, I have lost all confidence in the banking system, and I will no longer extend credit to anyone, nor will I allow you to furnish a report on my behalf. As a result, I'd like to officially terminate all business and services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 Someone wrote me a check and out bounced and XXXX  XXXX XXXX closed my account and reported it as fraud. I had all my documentation yet they wouldnt let me dispute it nor did they do a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureaus stated they investigated my report correctly and accurately which is inaccurate because for all of these accounts listed below i never gave any of them written instruction to furnish anything on my report also i have the right to privacy this grounds for removal. 

15 U.S.C 1681 Section 604 2 : the law clearly states a consumer reporting agency can not furnish a account without, y written instructions. 
I havent given these accounts permission to furnish these accounts on my report. 
15 U.S.C 1681e ( 5 ) information disputed by a consumer, if this information is investigated and still inaccurate it shall be removed by consumer reporting agency 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. 
ALSO THE REPORTING AGENCIES/ DEBT COLLECTORS/BUREAUS OBTAINED PERSONAL INFORMATION ILLEGALLY BECAUSE I NEVER DID IT THIS IS ALSO A DIRECT VIOLATION OF MY CONSUMER RIGHTS. 

THE ACCOUNTS AND OR NAMES BELOW SHALL BE REMOVED FOR DIRECT VIOLATION OF MY RIGHTS AS A CONSUMER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My issue was hard to define with the previous questions you asked. 

I have a credit card TJX Rewards/XXXX, previous credit line of {$5000.00}. After much usage previously but no immediate need over the last 12 months, they reduced the line from {$5000.00} to {$1000.00} without any previous call or notification to discuss their concerns and as a result forces me to either use their card or deal with the decrease in my credit score. Pure blackmail by requiring me to use their card and now ... considering what I have historically spent in their stores, damage my credit further by having an unhealthy percentage of credit usage on my card. 
They know exactly what they are doing. While my income and credit score has increased since originally securing this card, they have never dropped my interest rate. They claim they are simply following a process and in fact they probably are. A process created by scheming accountants and executives finding creative ways to pressure usage just like the cigarette companies prompted addiction to nicotine. 
I am a XXXX XXXX overwhelmed by regulation. How do you let these companies get away with this?
Product: Credit card

I was targeted for an American Express Platinum card. On XXXX XXXX, I logged into the cardmatch tool at XXXX and saw an offer for XXXX membership rewards points after spending {$3000.00} in three months. I applied and was approved automatically. When the card arrived three days later, I called American Express to activate my new card and inquire about my signup bonus. The rep whom I spoke to said my card comes with no signup bonus. Despite me having screenshots of the XXXX point offer and contacting many other associates and supervisors through the phone and online chat, American Express and I have not been able to solve the situation amicably. I have not used the card and will not be doing so if I 'm denied what 's due to me. They 've billed the annual fee to my card ( {$450.00} ) so I 'm calling for an immediate resolution to this situation so I know how to proceed.
Product: Debt collection

Portfolio Recovery, has continuously reported multiple accounts on my consumer file that are not mines & without my written consent. 
On XX/XX/2022 I notified Portfolio Recovery via email about two accounts they were wrongly reporting on my file. I demanded validation or deletion. They did not remove these accounts from my file while reinvestigating, they did not send me valid proof that I own these accounts. Instead theyve sent me a bunch of bills they alleging I owe with no valid proof attached & they continue to report these two accounts on my consumer file that are not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the creditor has violated my Rights. Under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 section 604 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT and INQUIRIE that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIES from my credit report. 
ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 instruction.
Product: Credit card or prepaid card

This is the second complaint to this company related to this case ( refer to XXXX ). 

Complaint was made regarding payments not being applied to account resulting in fees and revoked card. M & T claims they need a letter to resolve case and apply credit back to account, however the other bank ( XXXX XXXX see complaint ID : XXXX ) has no record of M & T 's claim of trying to collect payment. Bank records have already been provided and account/routing numbers have been confirmed. Please see attached both banks responses to complaints, M & T is inconsistent with XXXX XXXX claim. 

M & T is asking for evidence that can not be provided as they did not request funds per XXXX XXXX   letter ( attached ), this is unethical and seems to be a method to skirt responsibility.
Product: Student loan

There are TWO problems on my daughter 's FASFA account managed by MOHELA ( www.mohela.com ). ( 1 ) Payment {$1700.00} toward unsub. loan was NOT shown and the interest is adding up continuously although the payment went through her bank account ( attachment shown XX/XX/XXXX payment ). ( 2 ) should NOT have XXXX sub. loan that cancelled as of XXXX XXXX XXXX. I am very nervous about the significant discrepancy.
Product: Debt collection

There is a remark listed from a collection agency which is false information and inaccurate. I tried to dispute with no outcome please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXXXXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$380.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$160.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/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 XXXX XXXX XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

XXXX XXXX.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

5 days ago, I received a letter from a travel agency in XXXX DE ( see attachment ) that informed me that the {$20.00} check that I had sent them on XX/XX/year>, was denied for insufficient funds. This came as a surprise/shock to me, and I immediately called the XXXX office to apologize. I ended up paying the bill with a credit card and XXXX charged me a {$20.00} penalty for the 'bad ' check. 

Of course, I called Citi at XXXX and after a prolonged investigation, I was told that the check was rejected because Citi no longer allows checks to be written from my savings account ending in XXXX. For the past XXXX years, the account was classified as a Money Market account and I have written hundreds of checks from this account. 

It seems that, recently, Citi unilaterally changed the account from Money Market to Savings account, and invalidated all checks. I was never informed of this change, or at least, I wasn't aware that I could not write checks anymore. When this check was presented to Citi on two occasions, why didnt Citi at least call or communicate with me about the problem? They send me promotional material, but did not communicate with me on an important matter relating to a change in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Bank of America, branch at XXXX XXXX, XXXXXXXX XXXX XXXX, NJ, is running a racket. I used an ATM Card at XXXXXXXX XXXX, and at XXXXXXXX XXXX, after 5, minutes my vehicle was already hooked by tow truck, please see BOA withdrawal receipt & Towing time. The Tow truck driver harassed me to pay {$150.00}, otherwise, he would compound my vehicle and I would have to pay extra for overnight, so I called the police and Police officer stated it is a BOA Private parking, and police did not have any jurisdiction. I had no choice, so I offered the Tow truck driver to charge it on my credit card, but he insisted payment in cash, so I went back at BOA ATM and withdrew money to pay in Cash, {$150.00}. Therefore, I request that BOA, refund {$150.00}, and pay restitution fee. 
Thank you. 
Sincerely, XXXX XXXX & XXXX XXXX