23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spot with the very rude company about a letter I have got in the mail about an American Express debt amount at the time with American Express the amount was {$2000.00} that is the amount I owe each time I would call American express would not want to take payment. And stated to call this law firm out of Florida where I live in the state of California, This company has harassed me reach out to sue me to garnish my wages when I would call I tried to resolve the issue with an pay the amount they gave me attitude stated oh you can try this is what it is very rude as if they did not want to fix the situation but keep it going. I want them to be removed, and I would like to fix the situation with American Express this is fraud and threats by a collection agency. The account will be involved in litigation. I do not owe the amount that is shown of {$3800.00}, and they told me they will increase the amount which is illigal I tried to fix this account with this fraudlant company now i do wish for them to leave me alone. I have sent a cease-and-desist letter also, The Fair Debt Collection Practices Act ( FDCPA ) sets rules on how and when debt collectors can contact you they have broke these rules, my rights are being broken under the FDCPA and inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Equifax, a global data, analytics, and technology company, who play an essential role in the economy by helping companies in diverse industries such as automotive, communications, utilities, financial services, fintech, healthcare, insurance, mortgage, professional services, retail, e-commerce, and government agencies, make critical decisions with greater confidence. Equifax who also collects personal information from XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) is a provider of bankruptcy information to Equifax. In my case, my Bankruptcy was obtained unethically because, I was an Uninformed Consumer during this Transaction and you have defamed my character and has affected my Livelihood. You stated that you obtained my bankruptcy from XXXX XXXX however, XXXX XXXX has removed the bankruptcy due to FCRA Laws not being followed. Please see Supporting Documents.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account and Request for Information Under FCRA Dear XXXX, I have been disputing this since 2022. 

I am writing to dispute the presence of a fraudulent account listed on my credit report. This account, associated with XXXX XXXX, does not belong to me, and I have never authorized or engaged in any transactions with XXXX. I believe this account to be the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ), and Section 611 ( 15 U.S.C. 1681i ), I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with this account, and documentation that you have that shows my alleged agreement to open this account. 

Additionally, pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I request the immediate blocking of this fraudulent account from my credit report since it results from identity theft. Attached, please find a copy of the Identity Theft Report and proof of my identity, which support my claim. 

Please take the following actions as required by law : 1. Conduct a thorough investigation into the disputed account.

2. Remove or block this fraudulent account from my credit report if it can not be verified as mine.

3. Provide me with the documentation as requested above.

4. Send me a written confirmation of the removal or blocking of this account from my credit report. 

I expect these actions to be completed within the statutory timeframe provided by the FCRA, and I ask to be kept informed of the progress of your investigation. Failure to comply with federal law may result in my seeking legal advice and taking further action as necessary. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution of this issue. Please contact me at [ Your Phone Number ] or [ Your Email Address ] should you require further information or documentation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS REPORTING MY CREDIT CARD ACCOUNT TO TEH BUREAUS AS A DUPLICATE AND HAVE NOT REMEDIED THE PROBLEM AFTER SEVERAL REQUESTS.
Product: Debt collection

United collections have damaged my credit by falsely claiming that I owed money to XXXX XXXX XXXXXXXX XXXX in XXXX nd. I have proven that this debt they claim i owe is false infact there actions are illegal in the state of North Dakota. As i can not be charged twice for the same debt. Now because of this illegal acts my personal credit has suffered and r This has caused a significant unjustified hardship on my personal life
Product: Payday loan, title loan, or personal loan

The account is showing as a closed/changed off and is still reporting late payments and balances increase
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX has violated my rights 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$340.00} There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Product: Checking or savings account

Wells Fargo charged overdraft fees and took funds from my account. There is a law suit with Wells Fargo. I have been a member from XXXX to XXXX. I have attached a bank statement to show my account information for the class action law XXXX XXXX 

More than XXXX XXXX people are owed some serious cash from Wells Fargo. If you happened to be a customer of the banking institution during the period of XXXX to XXXX, this could apply to you, according to XXXX. 

The Consumer Financial Protection Bureau filed proceedings against the financial giant for breaking federal consumer protection laws that apply to financial products, and the bank has now finalized a settlement to the tune of {$3.00} billion. In addition to {$1.00} billion that will go towards a victims relief fund, per the CFPB, that leaves {$2.00} billion that is owed in direct payments to the banks customers who may have been subject to erroneous overdraft checking account fees, misapplied payments and foreclosures in regards to mortgages and auto loans. 


Wells Fargo XXXX Account Customers Any customer who was charged incorrect fees may be eligible for the damages payment. This includes anyone who had a surprise overdraft fee for debit card purchases, checks or ATM withdrawals when their account had enough funds to cover the transaction. It also includes anyone who had a monthly fee that shouldnt have been applied. Banking clients may receive up to {$100.00} in damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to un-freeze my credit report with Equifax. 
I logged in to my Equifax account online. 
I found to option to manage my freeze / unfreeze status. 
The website indicated the following : " You have temporarily lifted your Equifax credit report freeze until XX/XX/2019 .... '' I was unable to manage my credit report freeze by way of the website. 
I then called Equifax customer support and was successful in going through the automated process of un-freezing my credit report, but at the end of my call, I indicated that I wanted to speak with an agent. 
I was put in touch with a person and explained my problem, and they indicated that my credit report had been unfrozen, but that there was not a date present to re-freeze my report. 
The person indicated that they were having problems with their system and would not forward my call to technical support. 
This situation does not make me feel comfortable with them holding on to my credit information.
Product: Checking or savings account

On XX/XX/XXXX merrill lynch closed my account and said the funds settled and i would be set a check now they are tryingto say i owe them which is not true i only deposited 1 check that cleared and they will not give my funds to me they are my funds and they weren't suppose to send any funds to XXXX which they did not do they are rude and thieves and my statements show what and when they took out my money but they wont give it to me. They violated my rights and their contract aggreements.And they are still holding my money.now they said i owed them and that is letting me know they still have my funds.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15usc1681 section 602 states I have a right to privacy 15usc1681 sec 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card under and open a consumer credit plan as late for any purpose And the company is citizenpay
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted multiple disputes with Transunion on regards to. Debt validated letter received from XXXX stating they were unable to locate any account information for me in regards to the accounts placed on my credit report. I have sent in the paperwork sent to me twice and the accounts have been removed and replaced. When I call no one can give me a valid answer as to how this is being handled or why it is not been deleted or how it was validated if the creditor sent me a letter stating they didnt know who I was. I have requested a report for findings on the investigation and have not received one as well.
Product: Mortgage

When we refinanced our mortgage. A man came to our home and talked to my husband about the mortgage. He was from Village Capitol, we previously had XXXX, I believe. He promised our rate would never go up. He gave us an interest rate of 2.25 or something like that. My husband passed away in 2019 and my interest rate has gone up the past 2 years. I tried calling them and they said our interest rate was only locked in for 3 years. I am a surviving spouse whose income has dramatically reduced since my husbands passing.
Product: Credit reporting, credit repair services, or other personal consumer reports

ILLEGAL REPORTING. 

Equifax Report : XXXX XXXX Collection {$2300.00} XXXX  Report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$2300.00} XXXX Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$2300.00} I initially disputed the debt and requested validation of a debt becuase I know that the debt should not be on credit report, yet it keeps being reported. Despite sending them multiple letters, plus proof from the court that this is not a valid debt they are reporting, theyc ontinue to report it and refuse to pull this account off my credit report. 

I am now escalating this complaint higher because they are continuing to allow illegal reporting of a debt that the courts have determined is not valid. 

I am not responsible for the account/collection that is showing up on my credit report. I have never done business with this company. They lied and said I had. Then they sued me and didn't show up to court. I showed up. The judge ruled in my favor because of this. 

I have repeatedly asked them to delete this account immediately, as keeping this there violates my rights and allows this company to post and claim I owe them money when I do not. This is a problem because the credit bureaus are assisting them with violating the law by not removing this faulty debt that does not belong to me.
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 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance {$400.00} XXXX  XXXX Balance {$0.00} 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

To whom it may concern, I have reported a few unauthorized charges on my paypal. In regards to their response they still insisted that there was no suspicious activity and that I was to be responsible for those charges I did not make which I think is very unreasonable. They have not provided me any information with regards to their investigation as to why was my claim denied. Again I will attach all the unauthorized charges I have reported.
Product: Credit card or prepaid card

On XXXX XXXX, Walmart transfered my Walmart card too capital one card services and said there will be no problems while this happens, we'll they lied, my card with Walmart I had with 10 years and 11 months with no missed payments at all. Once capital one received my account they closed my card and stated to me I had missed payments on my Walmart card and no payments at all, well I told them sorry that is wrong and is a lie, told them restore my account and they refused as I told them I checked my credit report and it shows no missued payments at all there company closed my account in good standings. Capital one transfered me to the fraud department and I said what fraud, they only fraud is going on is there agents that closed my account in good standings. Until now capital one still refuses to reopened my account as they have lied about missed payments on my Walmart card for 10 years and 11 months and there fraud department agreed with me fully too. This is very wrong of what capital one has done to me, I told them I will not pay on a closed account which they have done in the past to me and nothing has been resolved at all. I made disputes with the credit bureaus and they report things are resolved, nothing was resolved at all. Please call me for any information you need. Thank you XXXX XXXX XXXX note fully XXXX They discriminated against because I am XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

iI have reported diffrent things appearing on my credit that are dealing with identity theft i have told the XXXX XXXX, and transunion and sent in police reports and im not able to get items removed the people were using my identity for alot of diffrent things
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account off with XXXX XXXX XXXX and have never missed a payment. I paid them off on XX/XX/XXXX, and I made all credit bureaus aware of this once I noticed that this information was being reported incorrectly. I was dismayed to find out this information hasn't been reported correctly and even after providing proof to all credit bureaus of this they have failed to update this information even after being notified XX/XX/XXXX. Please assist.
Product: Debt collection

XXXX, XXXX and XXXX XXXX, sends out letters on company letter head as law firm, they are debt collectors who go to court for other companies. But how do they own the debt and why do they appear to the individual as the attorney for the Plaintiff when they are debt collectors. They sign each letter but if you read the end it states we are a debt collector any information will be used for that purpose they do not do Debt Validity. When you call you never get through, I was a victim of Identity theft. Yet I have to send that affidavit to an entirely different company that is not even on the Docket. It is very confusing. This company is practicing Unethical practices to try to Bank Levy or do Wage Garnishment. They can not be the attorney and the debt collector for the company who is suing. I have been through financial turmoil because of this company. I am not the only one, I believe they try to get all old debt and then go to court as the Attorney and the Debt collector. Who owns the debt the Plaintiff the law firm, XXXX XXXX XXXX XXXX should not accept these lawsuits or practices from this Firm as it is unethical.
Product: Credit card

I over-payed my card and I requested a credit card balance transfer on XXXX/XXXX/2016. American Express told me the credit transaction will be completed in 5-7 days. After 7 business days, I still have not gotten my over-payment transferred, and the customer representative has no solution but keep telling me to wait 48 hours.
Product: Checking or savings account

I am filing a complaint against capital one regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital One misrepresented the 360 Preformance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant losses for many, Breaching the Consumer Financial Protection Act and the Truth In Savings Act. I seek redress for the misleading practices related and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a US Bank Credit Card holder for 14 years. 
I have never missed a payment nor had a late payment till recently when I lost my job due to the Covid-19. 
In XX/XX/2020, There was a message form the US Bank XXXX, telling consumers that " US Bank Is there to help and there was a link and a phone number to call ''. 
I contacted that number and asked the rep to do a 90 days deferment for me, just like I did ask XXXX, XXXX XXXX   XXXX XXXX ... 
US bank was very vague and did not specifically say that they have a deferment program but mentioned reversal of Late fees. I mentioned that all my other Credit Card Companies offered the 90 day deferment and why wasn't US bank following their Lead ... There was no answer from the rep. 
Long Story Short, I get calls from US bank on XX/XX/XXXX & XX/XX/XXXX and they collect a payment from me, not enough to cover my minimum payment, I again mention to them about a deferment option and they are vague and do not give me a definite answer. 
Finally they call me XX/XX/XXXX & XX/XX/XXXX and collect all of their past due, then they put a 90 Days late on my credit, lowering my score XXXX points in 1 day. prior to this I had never had a late payment with any of my creditors and they ruined my 100 % payment history. 
I contacted them several times, and wrote to them, but they refuse to take these late payments from my credit stating that " The account information reported by US bank to CRA is accurate '' Another Ironic Twist ... 
Today I received an email from US bank giving us a message from their CEO ... 

" Banks are the cornerstones of communities and, in times of crisis, it is more important than ever for people to know they can count on us. We take that responsibility seriously. I wanted to let you know about some of the things we are doing to help minimize the impact XXXX has on you, our employees and the communities we serve '' This is almost comical, since they should say ... 
you can be a loyal Card Holder for 14 years, and Never miss a payment, but if you loose your job during the pandemic, tough luck ...
Product: Credit reporting 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 the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$970.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.