23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I relocated from XXXX XXXX XXXX on XX/XX/XXXX. A XXXX prior to my relocation, I called up XXXX / XXXX and requested the XXXX to disconnect my internet and tv service effective XX/XX/XXXX. At my new location in Indiana, XXXX / XXXX is not authorized to do business. I had established internet and tv service with XXXX at my new location. XXXX had sent me a bill for {$100.00} for the service period XX/XX/XXXX - XX/XX/XXXX even though I used its service only up until XX/XX/XXXX. I requested XXXX to send me a corrected bill and it refused to do so. I filed complaints against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. While said complaints were under scrutiny by said agencies, XXXX had instigated the XXXX XXXX Sunrise Credit Services , Inc. to harass me and collect {$100.00} which subsequently got changed by the Company to {$100.00}. It was unfair business practice on the part of XXXX to have engaged a XXXX XXXX while my complaints against the XXXX was under scrutiny by various enforcement agencies. Sunrise Credit Services Inc. had filed derogatory reports about me with the XXXX credit bureaus XXXX, XXXX XXXX XXXX. Under duress, I paid {$100.00} to XXXX and requested the XXXX for a receipt which it refused to provide. I requested XXXX to advise Sunrise Credit Services Inc. to cease and desist collection which XXXX refused to do. I requested XXXX to refund the excess amount it had collected from me in light of the fact that I should have been required to pay for only XXXX XXXX as opposed to XXXX XXXX which XXXX refused to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX XXXX  ( Bank ), XXXX  XXXX ( Bank ), XXXX ( Finance ), XXXX XXXX XXXX  ( Finance ), XXXX  XXXX ( Bank ), XXXX XXXX  XXXX ( Auto ), XXXX XXXX XXXXXXXX ( Bank ), XXXX XXXX ( Bank ) , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX XXXX ( Bank ), XXXXXXXX Card Services ( Bank ), XXXX XXXX XXXX  ( Bank ) , XXXX ( Bank ), XXXX XXXX XXXX and 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 a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the 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 information is inaccurate.
Product: Debt collection

I am writing to formally dispute incorrect entries listed on my credit report associated with XXXX XXXX XXXX, which I believe have been reported in error. The entries in question are listed with two distinct account numbers and balances as follows : 1. Account XXXX : XXXX with a balance of {$2500.00} XXXX. Account Number : XXXX with a balance of {$2000.00} I wish to bring to your attention that I have never owned or resided in an apartment associated with these accounts, and thus, I consider these entries to be inaccurate. The presence of these discrepancies has affected my credit score negatively, causing me undue stress and potential financial harm.
Product: Debt collection

Since XX/XX/XXXX I have been dealing with random things popping up on my credit report. I am a victim of identity theft. I was scammed back in XXXX I went through a realtor company to get an apartment. I was asked to send in my documents to get into the apartment. I sent all my info over and I did not get the apartment or I have not heard back from these individuals since XX/XX/XXXX. There are multiple companies on my credit report that when I look them up they show up as apartment buildings and I have not had my own apartment since XXXX back in Texas. During XXXX it was very hard for me to focus on my credit reports and scores because I was in XXXX XXXX XXXX XXXX XXXX. as of XX/XX/XXXX I have been trying to figure out how I have open accounts and debt collections to accounts that I have no idea about. I have been denied getting an apartment in my name because of this non sense. its been a hassle trying to prove that it was not me. I have contacted the credit bureaus over and over and have not gotten a response. I have disputed these collections and even the address that was on my profile because it was inaccurate. the address was removed from my report from the dispute, but the collection is still showing. This is extremely hard for me as a XXXX XXXX XXXX hard working tax paying individual. I would like to file this complaint today on XXXX, XXXX, and XXXX due to the lack of fully investigating claims. it would be best if we can get a full investigation and not some filtered computing system that should be rendered to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent identity theft report but they said they havent received I disputed multiple inquiries
Product: Debt collection

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] [ XX/XX/year> ] [ Midland Credit Management INC ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, MI, XXXX ] Subject : Notice of Code Violation Unlawful Debt Collection Activity in New York State Dear [ Midland Credit Management INC ] , I am writing to formally notify you of a violation of New York State debt collection laws and the Fair Debt Collection Practices Act ( FDCPA ), regarding your reporting or collection of a debt that is not permissible under New York State law . 

The debt in question, [ XXXX ], appears on my credit report. As per Section 380-j ( e ) of the New York General Business Law, certain debts are not collectible under New York State law , including those that have exceeded the statute of limitations or involve entities that are not licensed to collect debts within New York State . 

Additionally, under the FDCPA ( 15 U.S. Code 1692e ), debt collectors and credit reporting agencies are prohibited from using false, deceptive, or misleading practices in the collection or reporting of debts.

Specifically, I believe this violation includes the following : 1. [ Attempting to collect a debt after the statute of limitations expired. ] 2. [ Reporting a debt from an unlicensed debt collector. ] I demand that you : 1.Immediately cease reporting this debt on my credit report.

2.Provide written confirmation that this debt has been removed from my credit file.

3.Refrain from any further collection or reporting activities related to this debt.

Failure to comply with this notice may result in further action, including filing a formal complaint with the New York State Department of Financial Services, the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal remedies.

Please provide a written response within 30 days confirming your compliance. 

Thank you for your prompt attention to this matter. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX BANK Account # XXXX, XXXX  Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 instructions.
Product: Mortgage

I had a home equity loan with Discover Bank for {$75000.00}. In both the Loan Estimate and Closing Disclosure, it states under " Prepayment Penalty '' that there was none. I was also told this verbally. However, in a later set of documents it does describe a prepayment penalty if paid off within 36 months. I believe this discrepancy between the documents is deceptive. I believe I was lead to believe that there would not be a prepayment penalty and was surprised to find this {$420.00} penalty in my payoff letter. I spoke with a representative who agreed that it was misleading then a supervisor who noted that it was in another document which I signed. I told him I felt deceived but he was not willing to refund the prepayment penalty. I'm curious as to how many other people they are doing this to.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. According to FCRA laws you are refusing to comply with the information that you are reporting : 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1681 ( c ) 2 15 U.S. Code 1681 ( n ) Please follow the laws. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please follow the laws and block this information from my credit reports before I seek legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

LTD Financial Services XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Texas XXXX is reporting false information on my Credit Report. 
I also checked on the Texas Secretary of State website and according to Section 392.101 of the Texas Finance Code, it prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. LTD Financial Services is not listed. Why is this company breaking the law and ruining my credit? 
Please have them remove these negative listings on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am sending this to you today because I have pulled my most recent credit report and am extremely confused. It is very troubling as these items are reported as incorrect information. I would appreciate your assistance in solving these problems. I have done research at my end and as you and myself both aware, some laws guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported promptly. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the Federal Trade Commission. I must demand that you run a thorough investigation for every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXX - XX/XX/XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities XXXX XXXX  - XX/XX/XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities XXXX - XX/XX/XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities
Product: Credit reporting or other personal consumer reports

This is regarding the accounts listed above or in the pictures as proof which they claim is a collection of that I have with their companies. This is a formal notice that your claim is disputed, I am requesting validation may provide it to the fair debt collection practices at know that I am requesting validation that is competent evidence, bearing my signature showing that I have or ever had some contractual obligation to pay a.k.a. wet signature. Please also be aware that any negative marks found on my credit report, including Experian, XXXX XXXX, and XXXX from your company or any company that you represent for a debt that I dont owe is a validation of the fair debt collecting practices at FDCPA XXXX oh, XXXX XXXX XXXX XXXX ) therefore, if you can not validate the debt, you must request all the credit reporting agencies, delete the entry. pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could not be detrimental to any of my credit report. Where are you later to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local value. I will be seeking up to XXXX XXXX minute damages for defamation, XXXX negligence, enablement of identity, fraud violations of fair credit reporting act in fair debt collection, practices at you will be required to appear in court venue local to me since you are clearly doing business in my area for the purpose of 15 USC 1692 et seq. This notice has the same effect as a dispute to the validity of your claims please note this note is an attempt to correct your records, and any information receive from you will be collected as evidence should any further actions be collected as evidence should any further actions be necessary? This is a request for information only and is not a statement, elections or waivers of status.
Product: Credit card

I recently applied for a XXXX credit card with Bank of America, and it was not approved. The letter I received said " we were unable to approve the [ card ] you requested because the amount of credit extended to you by us and/or our affiliates is adequate. '' Since I did not have an interest in increasing the total amount of credit I had with Bank of America, but only in getting this credit card, I called Bank of America to ask if they could transfer some of my existing credit to the new card. I was told they could not, because the OCC does n't allow graduate students to have more than XXXX cards ( I think the implication was : does n't allow graduate students to have more than XXXX cards with the same lender ). I told Bank of America that I had previously talked with a Bank of America representative to specifically ask if having XXXX existing cards would prevent me from getting a XXXX card, and that the representative I talked with said that Bank of America does not have any policy that would specifically limit me to XXXX cards. The phone representative responded to this by saying that Bank of America does not have this policy, but that they are bound by the OCC policy. 

I asked the Bank of America representative if they could direct me to the OCC policy, but they said that they could not find it. However, they told me that it did exist and that I should be able to find it by googling, and that the only way for me to get the new card I wanted was to cancel one of my existing cards. I was unhappy about this, because the existing card I needed to cancel ( the one I was no longer using ) was my oldest line of credit, and I was concerned that it could hurt my credit rating. But the representative told me that canceling a card was my only option, so I eventually agreed. 

I have talked with Bank of America twice ( once by phone and once by chat ), and they have told me that they could not direct me to the OCC regulation, but that it does exist and apply to me. They suggested that I contact XXXX and the OCC if I wanted to see the regulation, but that I definitely needed to cancel my existing card to get the new card. I have since followed up with XXXX and the OCC, but both told me they could not help me. I also called CFPB, and the person on the phone could not find the regulation. 

Therefore, I am filing this complaint, because I feel that I may have been coerced into canceling my oldest credit card by being told that a regulation existed and applied to me, when I have so far not been able to find any evidence that it exists and applies to me. The primary resolution I am looking for is for evidence that this regulation does exist and does apply to me. If it does not exist or does not apply to me, that suggests that Bank of America coerced me into doing something that has negative financial repercussions for me by telling me something that was n't true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by an account representative that my missed payments on the Walmart Store Card, issued by Capitol One, would be forgiven and reported positively, indicating no missed payments for the entirety of my account. However, upon conducting further inquiries with the creditor, I discovered that this was not the case and that no action would be taken in my favor.
Product: Debt collection

The company that is attempting to collect from me is XXXX XXXX XXXX. After researching the company and inputting there information into the Department of Licensing and Regulatory Affairs website, I was informed that this is not a licensed company in the state of Michigan. After additional research I am now aware that they are not licensed to collect debt and I am requesting to have this removed from my credit report. In addition, they were unable to validate the debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Td bank texted me asking if I had purchased XXXX XXXX $ gift cards from XXXX. I did not. I disputed this transaction. I went to the bank the next day and got a new debt card. Waited for the transaction to clear then td bank deposited the XXXX $ in my account. A week later I recieved a letter saying that I had profited from the transaction and money was going to be taken out of my account. I called XXXX. They said my account was hacked. They gave me the name of the person who had recieved the gift cards. They sent me an email stating this. I went to a td bank branch with the letter from XXXX and the letter from the dispute department. They redisputed the claim. A week later I got another letter from the dispute department. Saying that I profited from the transaction. I lost XXXX $ out of my account and in NO WAY. profited from this. No one would help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a company on my credit report called XXXX and I don't know or never opened an account with this company
Product: Mortgage

XXXX is a nightmare. I was told at closing I could make XXXX payments of my mortgage but prior to the due date. First payment due XXXX. Thus, I sent XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. XX/XX/XXXX was returned. I spoke to XXXX who informed me they dont accept payments less than the amount of the mortgage. But she could stop the second half from being rejected. I re-payed the first half over the phone. I later received a voicemail that XX/XX/XXXX was returning too. I verified with XXXX that the XXXX payment was not returned. 

I called the next day and spoke to XXXX. Rude and unhelpful. She literally argued with me and cut me off. She then hung up on me. I called again and got the same person. She argued I did not hang up, I just stopped talking to you. Both times she refused to confirm where the XX/XX/XXXX payment was. 

Then, talked to XXXX. Gave him the right SSN but wrong loan number. He still found the account. XXXX the account was found, he proceeded to lecture me on the importance of the correct loan numbers for XXXX minutes. Also, he was still not able locate the XX/XX/XXXX payment. He did inform me that if I am a payment ahead, I can indeed pay in XXXX separate payments ( with a form completed ). 

To make matters worse- now EVERY time I call, I hear this is an attempt to collect a debt, any information will be used for that purpose message. 

Collect a debt?!?! I am attempting to pay a debt!! 

In short : Where are the XX/XX/XXXX funds? 

Also, Why is the customer service so ill-informed? And why is XXXX soooooooo argumentative and allowed to continue. I am literally JUST trying to pay my mortgage ( And find out where the XXXX payment is ). We have had many mortgages, banks, stocks, investments over these last 20 years. This bank is by FAR the worst in which I have ever dealt. And the worst part is we are stuck with them for at least a year before we can refinance.
Product: Credit reporting or other personal consumer reports

Under FCRA 611 ( 15 U.S.C. 1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit.

PLEASE SEE ATTACHED DOCUMENTS
Product: Student loan

Between the years of XXXX, XXXX engaged in unfair, deceptive, and illegal practices by implementing a scheme to misallocate my loan payments toward interest rather than toward paying off the loan principal, misdirect payments towards loans with lower interest rates, and improperly impose capitalized interest.