23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hunter Warfield is attempting to collect a debt on behalf of XXXX XXXX  from me in the amount of {$4700.00}. I do not owe XXXX XXXX  {$4700.00}. I contacted Hunter Warfield on Wednesday  XX/XX/XXXX because XXXX advised me to. I reached out to XXXX to pay them for the court awarded judgement that they received for a balance that I owed in the amount of {$2100.00}. 
Hunter Warfield is in violation of the FCDPA. When I contacted them on XXXX they told me that they had some fees accrue and that I now owe the balance of {$4700.00}. This is inaccurate. 
The FairDebt CollectionPractices Act ( FDCPA ) prohibits theaddition ofany interest, services fees, collection costsor other expenses incidental to the originaldebtunless it is expressly authorized by the agreement creating thedebt I have expressed to XXXX XXXX  that I have the right to satisfy the court awarded judgement against me in the amount of {$2100.00} without being bullied into paying {$4700.00} because the court did not order that amount. Neither XXXX XXXX  or Hunter Warfield are cooperating with me. Both are withholding my right to satisfy the judgmentthat XXXX receivedagainst me by demanding me to pay more that what was court ordered by Judge XXXX XXXX, XXXX XXXX, place XXXX. 
Hunter Warfield is in violation of the FDCPA and the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX ) XXXX I applied for this card Not sure of date After having the card awhile I was " Offered '' to receive a Flower print card.. I filled out the form and a new card... NOT another card a new card came in mail. Balance was same. Because to start a New card You had to pay up front {$89.00}. the website is XXXX which You can see what is offered. The card has no amenities, ,NO chip, can only pay one way cant rent!! minimum {$300.00} and they charge {$8.00} plus interest every month. with a balance or not forever!!! As my credit got better Offers came in and I wanted to close the card eventually. 
What they did issued the new card and did not close the other.. as I paid the bill, I was informed after 60 days.. I was late!! I did not pay my other card. After them acknowledging the ERROR.. the information returned on my report and Ive Disputed it several times. I am holding these people accountable to this. I will go further with the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not protect my credit information and sensitive personal information was compromised in the hack. I need to pay money to freeze my credit reports for a mistake I did not make.
Product: Credit card or prepaid card

Chase credit card XXXX DE XXXX On XXXX someone has used my card at XXXX XXXX XXXX XXXX XXXX Ohio XXXX charging me XXXX while I was at XXXX XXXX library attending food drive organized by XXXX XXXX XXXX XXXX to pick up free produce. 
I Disputed first time on XXXX full credit was given for $ XXXX then i did not hear from them. So I thought matter is over. 
Again the charges appeared in my XXXX statement XXXX XXXX I disputed again I went to XXXX and received the receipt.Kind of food was ordered I do not eat that kind of food Dog food I do not have a dog at home chicken, fish, turkey I am vegetarian. I asked chase freedom card co. to give me credit I went to branch with XXXX receipt person said you they are working with XXXX, call customer service they say you just wait they are investigating. No one gives correct answer. I talked to my son who lives in California and he has business account with chase he calls manager for help XXXX arranges 3way call with dispute team i talked to lady over phone she said. credit was given that was temporary which never knew until XXXXthen she says card was used physicial by using chip I never knew that either. 
some criminals must have created duplicate card and used it, While I was waiting in line for my turn to come topickup free produce and card was with me in my wallet in my car If I knew credit was given was temporary I could have gone to XXXX to find out what is going on. manager could have shown me video to see who is at the check out if not me but I went in XX/XX/XXXX video was not available after 60 days they delete itXXXX AT Library I was attending food drive volunteer were taking everybody 's address, name driver 's license recording in her XXXX  was there between XXXX and XXXX I attended this food drive every Tuesday of the month. I could ask volunteer to varify my presence at library onXXXX in XXXX but XXXX was too late. program ended on XXXX XXXX XXXX XXXX XXXX was to late to verify any info. from XXXX or library.So I am asking chase to credit my account for $ XXXXchase to give me credit for {$140.00} I did not purchasepurchase that food
Product: Credit card or prepaid card

I obtained a secured credit card from First Progress Credit. I had a hardship and asked to close the card since it was secured with my own money. They never closed the card then started charging many fees. Then they charged it off and reported it on my credit as if I owe them {$200.00}. I secured the card with XXXX. First Progress continues to report negative remarks on my credit falsely. This is wrong.
Product: Credit card

On XX/XX/XXXX my bank 's Bill Pay feature sent {$230.00} to Synchrony Bank to pay the monthly balance on my BP Credit Card as I had scheduled. Synchrony had sold the BP Credit Card accounts to XXXX XXXX XXXX XXXX XXXX and I didn't realize that the Bill Pay account had not been updated. When XXXX sent me a message that the account was past due, I discovered the situation, paid the balance and they forgave the fees. I then called Synchrony to get my money back. My bank faxed them payment information on XX/XX/XXXX to XXXX and Synchrony said they would return my money. I never received it and called again. This time they said it would have to be a paper check and I should receive it in 10-14 days. It has been longer than that and I have never received it.

I have called multiple times, unsuccessfully, to find someone who can address this situation. I've even had first-line CSRs drop my call when I asked to talk with a supervisor at least 3
times. My last conversation with a supervisor was that the only avenue she had was to give me the BP Customer Service phone number, which is at XXXX. 
XXXX advised me to contact you to address this situation. I have copies of the fax my bank sent to Synchrony. Synchrony has my {$230.00} and although I have asked repeatedly to get it back, they will not send it to me. I'm extremely frustrated with their lack of customer service. Although they had a few very kind and helpful people, they do not have the systems in place to address customers ' concerns. They are holding my money. It is not theirs!
Product: Credit card

PNC bank is not responsive to customer service concerns. Therefore I wish to close my visa credit card. However when I made the request via their secure chat, I was locked out with a message saying " Online Banking SSO Exception Page Error - You are not authorized to access Online Banking. Please contact Support team. '' PNC has made the business decision to waste as much customer time as necessary in order to save on any points of human contact to resolve concerns. Their technology is bad. They are an inferior bank. 

I want to be done with this bad bank and the account closed for good.
Product: Credit card or prepaid card

I have called the company and asked when the bills are sent out, they state they send them down “to get mailed out” on the XX/XX/XXXX and the bill is due on the XX/XX/XXXXthe following month. This doesnt pass through my mail station u till the XX/XX/XXXX or XX/XX/XXXX. Mind you they know it takes “7-14” days for it to be delivered to a clients house. They say they allow 24 days for the payment cycle, yet in reality i only have about from  the XX/XX/XXXX to the XX/XX/XXXX of the following month which is roughly a total of 17 days. I put the payment in the say i put the mailbox in the mailbox on the XX/XX/XXXX and they dont receive it before the XX/XX/XXXX they are claiming it as a late and charging me $XXXX plus interest. According to the credit card act i have looked up on line they must give you a minimum of 21 days to pay the bill. All my mail gets scanned at the local post office before it reaches my door so i have at least 2 pictures to prove that the bill doesnt reach my house until those dates and it seams like they are aware of this and it may be happening to other
Product: Credit reporting or other personal consumer reports

The company '' XXXX XXXX '' refuses to provide proper documentation to validate the said debt. They continue to report inaccurate information to all XXXX credit agencies. The company refuses to send me original doumentation. They have XXXX accounts reporting improperly on my credit reports on all XXXX numerous inaccurate
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXXXXXX XXXX XXXXXXXX Account number : XXXX, please investigate and provide proof with statement showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$91.00} on XX/XX/XXXX ( Experian ), {$0.00} XX/XX/XXXX ( XXXX ) Account is over XXXX XXXX XXXX and still listed on XXXX and Experian as XXXX collection account with a balance. Was researched and found inaccurate, and deleted from XXXX THIS IS INACCURATE
Product: Debt collection

I sent a debt validation letter to Team Recovery Inc off in XX/XX/2022 which was received by them by XX/XX/XXXX. I did not get a 30 day response back to validate the {$730.00} they say I owe in medical debt. It is now XX/XX/2022 and I still have not received anything back in the mail that I check daily.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - XXXX on XX/XX/XXXXXXXX  Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am writing regarding the debt True accord collections agency claims I owe, referenced by account number [ # XXXX ] in the amount of {$310.00}. I am formally disputing the validity of this debt under my rights granted by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g. 

Under this statute, I request that you provide written verification of the debt, including : 1. A detailed breakdown of the debt amount, including any fees and interest charges.

2. The name of the original creditor, along with any supporting documentation that verifies my obligation to pay.

3. Proof that your agency is legally authorized to collect on this debt. 4. Chain of assignments AL
SO, As outlined in 15 U.S.C. 1692g, I am exercising my right to request : 1. Written verification of the debt, including a complete breakdown of the debt amount, any fees, and interest charges.

2. The name of the original creditor, along with any supporting documentation verifying my obligation to pay.

3. Proof that your agency is legally authorized to collect on this debt.

Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I request prompt notification of the results of your investigation if you intend to report or have reported this debt to any credit reporting agency. Until you provide this information and debt is verified, please cease and delete all collection activities related to this account. This includes stopping any communication attempts with me regarding this debt, as well as any further reporting to credit bureaus. 

Please respond within 30 days of receiving this letter to ensure compliance with the FDCPA. I will retain a copy of this letter and your response for my records. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

i notified the credit companies and disputed fraud accounts on my credit report and nothing has changed since last year
Product: Credit card

My payment of XXXX for XXXX 2023, was received on XXXX XXXX, 2023. On XX/XX/XXXX, I had received a new bill for XXXX with a paymen due date of XXXX XXXX, 2023, Since I had made a payment on and received on XXXX XXXX, 2023, how is it possible that i received another bill with a due date of XXXX. It would appear that american express has figured out a way to get double  payments for the same month.
Product: Mortgage

In late XXXX, my family suffered a loss of income due to a change at my employer leading to a reduction in hours I spent doing side jobs. 
In late XXXX, Bank of America advised our line of credit mortgage payment would increase from $ XXXX/mo to $ XXXX/mo. This substantial increase in required payment, coupled with roughly a 30 % reduction in income resulted in a hardship. 
We contacted BofA and started the loan modification process. In XX/XX/XXXX I inquired into the loan mod status and was advised that the modification request was denied and closed. The representative could not tell me why. We reopened the case and began resubmitting documents. 
In roughly XXXX or XXXX of XXXX, we received notice that we had been approved for a modification. Bank of America was allowing us to make payments of $ XXXX/mo for three months to get caught up on our past due line of credit payments. If we could not afford $ XXXX/mo, how could we afford $ XXXX/mo? I contacted our customer relationship manager at that time and asked if there were any long term modifications available after the three month trial period where our payment had gone from {$180.00}, to {$580.00}, to {$1600.00}. I was told at that time that Bank of America had no programs available for our situation where the bank held only the second mortgage on the home and not the first mortgage ( XXXX services the first mortgage, Bank of America had sold or transferred the mortgage to XXXX within the previous year ). Had Bank of America told us from the start that our situation ( XXXX note held by another bank, only XXXX note was held by BofA ) did not fit their criteria, we would have taken a different route, XXXX that would have allowed us to refinance some time in the near future ( we have a short sale on our credit within the last year and were told that made us ineligible to refinance with Bank of America or any other lender at that time ). Unfortunately, we believed Bank of America would be modifying our loan and had become behind in payments at this point. Our credit suffered and we were more stuck than we were before.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant FCRA subsection 605B 15 USC subsection 1681C to that you the credit reporting agency block information appearing on my consumer credit report that is the results of identity, theft and fraud within four business days of you receiving this complaint, this fraudulence, inaccurate, and false information consists of four auto loans accounts open at XXXX XXXX on XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account account number XXXX, XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account number private. In addition 1 personal bank account loan XXXX XXXX XXXX XXXX account opened XX/XX/XXXX account number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, TX XXXX Dear Consumer Financial Protection Bureau, I am writing to address the severe distress caused by the findings of my recent investigation into my credit report. The discrepancies I uncovered have contributed significantly to my emotional distress and have highlighted the urgent need for accountability in the reporting practices of credit agencies. 

It has come to my attention that certain items on my credit report are unverifiable, invalidated, inaccurate, and highly questionable. Despite the mandates of the Fair Credit Reporting Act ( FCRA ), these discrepancies persist without proper resolution or rectification. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is unequivocally stipulated that all information reported on credit files must be 100 % accurate. The presence of these inaccuracies not only undermines the integrity of the credit reporting system but also directly impacts my financial well-being and peace of mind. 

It is imperative that the Consumer Financial Protection Bureau takes swift and decisive action to ensure that credit reporting agencies uphold their obligations to maintain accurate and verifiable information. By allowing such inaccuracies to persist unchecked, these agencies fail in their duty to consumers and perpetuate a system fraught with uncertainty and injustice. 

I implore the Consumer Financial Protection Bureau to investigate these matters thoroughly and to hold credit reporting agencies accountable for their failures to adhere to regulatory standards. Every consumer deserves the assurance that their credit report reflects an accurate and transparent representation of their financial history. 

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these concerns and restore confidence in the credit reporting process. 

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

Kindly remove these inquiries. I am not familiar with them, and the company proceeded without my permission.
Product: Credit card

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Yesterday, on XX/XX/24, I have received a notice from your branch addressed XXXX XXXX XXXX, XXXX, DE XXXX, regarding card ending XXXX with case number XXXX. After checking my banking account online a few days ago, I could not find out similar case number, I would like you to investigate this case number itself same as other case number C- XXXX. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX did n't send me my updated credit report with a courtesy credit score, so I can review and send the errors, unauthorize inquiries on my credit report. My name is XXXX XXXX XXXX, not the other names and information on my personal file.
Product: Debt collection

I reached out to this company several times, most recently XXXX XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, asking for proof of the debt and debt amount. I have received a statement from the collection agency each time that I send a letter, but not the original contract or itemized statement of amount owed from the original creditor. I have also disputed with the credit bureaus asking them to validate the debt, and it has remained the same each of the three times that I have disputed the validity and accuracy of the debt.
Product: Credit reporting

On my credit report the creditors that are reporting late payments have been submitted under the freedom debt relief program. The companies are continuing to report negatively when they know they have been contacted by this company for a debt settlement. If you would look at my credit report before the program which I started in XXXX, my credit for paying bills on time was 99 %. The creditors have also been contacted not to call me and but they continue to do so anyway. So my problem is very difficult for me when I have always paid on time but to see my credit score drop drastically as like it has is devestating. It 's an unfair practice for creditors to continue negative reporting when they know the circumstances of the consumer. It 's like they are trying their best to sabotage a consumer 's credit history. It should be something done so that they would not to continue to report negative reports when they know the consumer has contacted them concerning debt relief.