23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX has reported me as a collection for equipment I turned in when I moved. They are also had been billing me for products and services they had never ordered. I did not receive an informed consent prior to charging me for any new services or equipment. XXXX has been sending my account to collections during the charge-dispute process. I receive calls from their customer service as late as XXXX XXXX and at least every other day. I had to block out each number they call from. I was told by the customer service agent that I owed for equipment I turned in, so I went to the same office I turned it at. Well, the customer service person told me I did not owe for equipment, but it was my last bill of XXXX? I do not recall my bill ever being that high. It is usually {$150.00} which I had paid prior to ending my service due to new location and they did not have service in that area.
Product: Debt collection

My name is XXXX XXXX XXXX I am filing a complaint against AWA Collections. I disputed the below medical account from my credit report, and it then updated showing " Account Information Disputed and that it meets the requirements of the Fair Debt Collection Practices Act. '' Which is absurd, and a violation of my consumer rights. Pursuant to 45 CFR 164.504 Use of Disclosure of Health Information which states that no such entity may disclose protected health information except as permitted or required pursuant to an authorization and agreement, which was not given. Pursuant to 15 U.S.C 6801 ( b ) ( 3 ) Protected against unauthorized Access or use. And pursuant to 15 U.S.C 6802 ( b ) ( A ) ( B ) ( C ) the right to opt-out. 

XXXX XXXX XXXX XXXX  I am demanding this account be deleted from my consumer report immediately.
Product: Checking or savings account

I had an XXXX  XXXX account with first republic bank in XXXX XXXX, CA that yielded around 4.7 % over a XXXX  month period. I had an arrangement with my rep that when it was about to mature, she would call me and go over my options. In XXXX of XXXX, I received a letter instead of the usual call notifying me of the impending expiration of the XXXX  with it stating : Unless we receive other instructions, your XXXX  will mature and automatically renew on XX/XX/year> for the same term and annual percentage yield published on the maturity date of that term. Since I was happy with the terms as I had originally agreed to, I took no action. XXXX XXXX was then acquired by chase. I have never received any correspondence from chase so I went to my local branch to check on my XXXX  and see if I could get a bank rep assigned to me. What I learned is that when the XXXX transferred from XXXX XXXX to chase, chase took it upon themselves to reassign my XXXX  from XXXX yielding approximately 4.7 % interest to another product offering just .01 %. Mind you, I never approved of this transfer. When I asked them to transfer it back to an account similar to the one I had at XXXX XXXX, I was told that I would incur a {$2500.00} penalty ( the XXXX has a value of approximately {$250000.00} ). I dont think I should be subject to this penalty since, apparently, I was the victim of the acquisition. can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been submitting several written pleas to XXXX regarding the fraudulent information being reported on my file. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with whole attachments of my personal information. This complaint is being submitted over the CFPB to notify the Credit Bureaus that I am a prey of identity theft and the accounts I am disputing do not relate to any business that I have made or approved neither did I established any profits as an outcome of the theft of my Individuality. This Complaint is to follow up my XXXX Complaints last XX/XX/XXXX. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are demanded to eradicate any account and information which were unlocked without my familiarity, approval or right within 4 business days with ( 1 ) suitable proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have once again attached my FTC report which I filed on their website and Police Report that I have filed on my local Police Department. The items listed below are the result of such crime and must be deleted immediately : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}
Product: Credit reporting or other personal consumer reports

I am formally demanding the IMMEDIATE REMOVAL of an unverified bankruptcy from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The credit bureaus have failed to provide proper verification of this bankruptcy, and LexisNexis has not provided any documentation proving its accuracy, in direct violation of my rights under federal law.

FCRA Violations & Legal Basis for Removal : 1. Failure to Verify ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The FCRA requires that any disputed information must be verified as accurate within 30 days, or it must be deleted immediately. Since LexisNexis has not verified this bankruptcy with supporting documentation, it must be removed immediately from my credit report.

2. Furnishing Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ) It is illegal for any entity to furnish information to credit bureaus that they can not verify as accurate. Since LexisNexis and the credit bureaus can not substantiate the bankruptcy, they are in direct violation of this law.

3. Failure to Provide Sources & Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) Under the FCRA, I have the right to request the method of verification used to report this bankruptcy. Since LexisNexis and the credit bureaus have not provided proof, they are failing to comply with federal law.

4. Negligent and Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) Knowingly reporting unverified or inaccurate information is a violation of my consumer rights, and I am prepared to take legal action for damages of up to {$1000.00} per violation, plus attorneys fees, if this issue is not resolved promptly.
Product: Credit card or prepaid card

I received an offer in the mail from American Express Co. ( AEX ) for XXXX XXXX XXXX  ) Credit Card in XX/XX/2022. The letter included a code to be used to apply for the card online or by mail, and outlined the XXXX  benefits in exchange for an annual maintenance fee of {$250.00}. I applied for the card online as I liked the benefits, primarily a credit of XXXX travel miles after spending {$3000.00} as charges to the card in the first 90 days. After receipt of the card with related information around XX/XX/XXXX, I called AEX to get explanation of certain benefits including the mileage. After getting satisfactory answers, I immediately started using the card, and charging over {$3000.00} within 90 days. At the end of the period, I called AEX to find out the status of my credit for my miles. At that time, they told me I had another AEX XXXX card, so I was not eligible for the credit. I told them that I was not aware of that, nor was ever informed about the clause. They assured me that they will investigate into the matter, and asked me to contact them after 2 weeks. After 2 weeks, they told me it was still under investigation, and asked me to call them after another week. Finally on XX/XX/XXXX, they told me they will not give the credit. 
I was never informed about AEX policies to start with, and I made it clear also when I first contacted them. When I got my first AEX XXXX XXXX, they gave me XXXX miles, to be fare they could reduce the offer to XXXX miles, but they won't buy that either. Request for justice in my case. Thanks.
Product: Student loan

I received notice to recertify my IDR plan on XX/XX/XXXX. My account has been on deferment for the past 2 years because of high repayment amounts. On XX/XX/XXXX I received notice of denial for my request for lower payments as my account had not entered repayment status as my deferment was not set to end until XX/XX/XXXX. I was told to resubmit the application which I did in XX/XX/XXXX. On XX/XX/XXXX, ( yes, 2 months later! ) I received another denial for my request for lower payments because I marked one box wrong on the application. I was again told to resubmit my application which I did immediately. I also had to apply for a forbearance because FedLoan sent me a bill for a standard repayment of almost {$600.00} due the beginning of XX/XX/XXXX, so I was granted a one month forbearance. In late XX/XX/XXXX, my application that I resubmitted on XX/XX/XXXX had still not been reviewed and I received yet another standard repayment bill due beginning of XX/XX/XXXX. I called FedLoan on  XX/XX/XXXX and was informed that they did not know why it was taking so long to review my application but that they would apply another forbearance until XX/XX/XXXX. On XX/XX/XXXX I received yet another denial for my application for request for lower payments because my account has not entered repayment! I am so sick of this back and forth! All I want to do is have my application reviewed and approved in a timely manner so that I do not have to keep requesting forbearance which then automatically denies my application since my account is not in repayment! This leads to me having to do the whole application process all over again! And for what reason! I am not at fault here! I do not understand why this company takes up to 2 months to review an IDR application! That is ridiculous and affects the consumers in a severely negative way! I have no idea what to do here but I need help to get this situation resolved!
Product: Debt collection

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX BANK XXXX XXXX XXXX / {$2000.00} / XX/XX/2022
Product: Debt collection

I sold my home in XXXX of XXXX and moved out of my home I notified the City of XXXX XXXX XXXX department that I was moving and asked them to close my account. I gave them my new mailing address. I paid the final bill and the check payment for the final bill was cashed in XXXX of XXXX. 

I recently discovered that after closing the account, the City charged me {$35.00} for a " late fee '' and then subsequently charged me {$35.00} late fees because the initial and subsequent late fees were not paid increasing the balance to {$120.00} when it was referred to a collection agency doing business as " CALIFORNIA ACCTS SVC '' .in XXXX XXXX. 

This billing practice was and is in violation of usury laws. 

I was never been contacted about the first or subsequent late fees ( by either the city or the collection agency ) but the collection agency submitted the balance to XXXX, a CRA / credit reporting agency. 

As of XXXX XXXX, the debt collector continues to age the balance due increasing the amount owed even though the statute of limitation has passed and even though they were made aware the amount information was incorrect when I disputed the debt through XXXX XXXX dispute service. In response to my request to validate the debt, they indicated only that the debt was validated and they again increased the balance due even though the original {$35.00} late fee amount was assessed more than four years ago. 

The debt collector 's legal name is XXXX XXXX XXXX XXXX, XXXX although they use an unregistered name CALIFORNIA ACCTS SVC to report incorrect information to CRAs. 

The State of California shows thir corporate information as : Corporation No. XXXX Name : XXXX XXXX XXXX XXXX  Registration Date : XX/XX/XXXX Jurisdiction : CALIFORNIA Entity Type : DOMESTIC STOCK Status : ACTIVE Agent for Service of Process : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Entity Address : XXXX XXXX XXXX XXXX XXXX CA XXXX Entity Mailing Address : XXXX XXXX  XXXX XXXX XXXX CA XXXX This company has been sued many times by consumers for deceptive collection practices.
Product: Credit card or prepaid card

XX/XX/ I received a letter from Usbank that my child support that was on their reliacard will be closing as Wyoming was not going to be using usbank any more. I was incarcerated in XXXX XXXX at the XXXX  XXXX XXXX XXXX. I had contacted them with my caseworker so i could see how to received my remaining funds, they told me a check would be issued 5-7 days. I had called after several weeks had gone by because i had not received by check from my remaining balance of {$280.00}, they said it may have went to my old address they would trace the check. I received a slip that the facility had received the check the same time i had talked to them about tracing the check. I contacted them the next day with my caseworker, they said have the facility cash the check which they deposited it. I received a second check a few days after that contacted Usbank with a casework on XX/XX/ they said yes both checks where cashed and i know owed them {$280.00}, so i contacted my casework and we called my daughter in law to send them a bank money order to usbank so i would be doing the right thing and returning them the money, my daughter in law went to the bank that same day and got a bank money order for {$280.00} and sent it certified mail, but a few days later the money was pulled back off my account for check number XXXX i have been contacting them right after XX/XX/ to get my payment back they tried to say the facility had it but the facility worked with me and gave me the stop payment letter from the bank. The bank refused to send me my money back. I have tracking where my money order to them was signed by their employee, i have the stop payment from their check. I have emailed copies of all this numerous times to usbank employees, called numerous times, went into the Usbank. I went into the pinnacle bank which is what the facility uses and they have gave me copies of the stop payment so i had paid them back from one that they stopped payment so i wouldn't owe them and they are kept my money and wont return it!!!!! They wont even trace it to see that they stopped payment even when i have gave them a copy several times of the stop payment, XXXX XXXX is saying that usbank stopped payment and that is why they pulled the money off my account and usbank saying they didnt stop payment so im out because they cant figure it out after i provided all the documents from them both! I just want my {$280.00} back that rightfully belongs to me 3 years waiting is to long especially after notarized letters i have sent and the numerous amounts i have sent them documentation.
Product: Credit reporting or other personal consumer reports

I received an email that I had a hard pull from 'JPMCB CARD SERVICES ' to my credit score on XXXX XXXX XXXX XXXX XXXX XXXX I started to received emails to an email that is not associated with my established credit card with Chase. That I had been " approved '' for a chase freedom flex credit card to expect my card in the mail " 5 to 7 business days ''. I immediately called Chase 's fraud department. The representative stated that it was only an application that had yet to be approved. I corrected her based off of the email I was sent. She verified the legitimacy of the receiving email address but denied the " approval ''. I requested all further application requests documentation to prevent this happening again. Representative stated she would put in a written request in my notes. The representative stated that she hauled the application and suggested I call Chase 's checking and savings fraud department as well. She stated there were two different frauds progressing. I called XXXX to put an alert on my credit score then called Chase checking/savings fraud department . After three different representatives stated I did not have an inquire related to my social and the others stating they would transfer me to someone who could help but did not. I finally reached a representative who stated the application for a Chase total checking account had already been denied. There was now another notification, I had a hard pull from 'JPMCB CARD SERVICES ' on my credit score as of XX/XX/2023. Representative stated to find further accounts my social security number would have to be in, " the account holders '', my legal name even though emails stated another name which was provided. She then stated she would send an identify theft package in the mail.
Product: Credit reporting or other personal consumer reports

I became aware that my personal information had been compromised and used without my authorization. As a result, I have identified several unauthorized accounts and fraudulent transactions linked to my identity. 

To assist in resolving this issue, I have taken the following steps : Reported the identity theft to the Federal Trade Commission ( FTC ) and obtained a copy of the Identity Theft Report. 
Filed a police report with my local law enforcement agency Placed a fraud alert on my credit reports with the major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent accounts : XXXX XXXX {$2500.00} XXXX XXXX {$850.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$2800.00}
Product: Credit card or prepaid card

Regarding my XXXX XXXX XXXX XXXX XXXX XXXX with Barclays Bank Deleware. 
I made a cash payment of {$1600.00} at XXXX XXXX XXXX  XXXX XX/XX/2021. Barclays Bank of Delaware shows receipt of the {$1600.00}. Barclays Bank website shows credit of the {$1600.00} However available credit is listed at {$110.00}. 
XXXX XX/XX/2021 I attempted to use my XXXX XXXX XXXX to make a utility payment of {$190.00} which was denied by Barclays Bank Delaware. 
I called Barclays Bank customer service XXXX XX/XX/2021 at XXXX XXXX. Supervisor XXXX told me the " system '' would not allow me access to the {$1600.00} cash payment until the hold on a {$350.00} payment from my XXXX XXXX XXXX XXXX cleared. XXXX XXXX XXXX show the {$350.00} payment cleared my XXXX XXXX account and went to Barclays Bank XXXX XX/XX/2021. XXXX at Barclays Customer service stated that Barclays Bank requires a 3 way call with customer and customer 's bank to verify funds have cleared the bank. XXXX  call XXXX XXXX and the XXXX XXXX  representative said they could not disclose third party information. The XXXX XXXX  representative said they could provide the information via fax. Barclays Bank representative said they could not fax. When I asked if XXXX was telling me Barclays Bank did not have a fax machine, she said the fax would take 24 to 48 hours to prepare. 
Barclays Bank Delaware is unreasonably withholding access to my {$1600.00} cash payment. 
Barclays Bank Delaware frequently places a hold of 7-10 days on payments on the XXXX XXXX XXXX XXXX 
Barclays Bank Delaware does not verify receipt of funds internally at Barclays Bank Delaware without requiring that customer call Barclays Bank of Delaware customer service and participate in a three way call to customer 's bank. Extremely bad faith and onerous policy. 
Barclays Bank of Delaware sytematically places holds on customers funds for 7-10 days and uses the funds to Barclays Bank Delaware benefit and detriment to the customer. 
Barclay 's Bank Delaware practices of placing lengthy and unneccesary holds on customer 's funds ; requiring customer to initiate a call to Barclay 's Bank Delaware customer service and participate in a three way call to customer 's bank to release the hold are extremely bad faith, harmful to customers, and highly unethical if not illegal. 
Accounting of Current Balance and Available Credit on Barclays Bank Delaware website are inaccurate 100 % of the time. Accounting of Current Balance and Available Credit at Barclays Bank Delaware website 100 % of the time do not match accounting of the XXXX at XXXX XXXX XXXX website. 
Barclays Bank Delaware reduces available credit by amounts of attempted charges on the XXXX even when the charges are denied by Barclays Bank Delaware.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Convergent outsourcing 15 U.S.C 1681 section 602 A. States I have 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: Credit reporting or other personal consumer reports

Public information being shared without my permission. 

This information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681b, there are strict guidelines regarding the permissible purposes for which a credit report can be accessed, ensuring that only entities with a legitimate need may review this sensitive information. Furthermore, 15 U.S.C. 1681 ( a ) ( 4 ) upholds my right to privacy, recognizing that consumer reports must only include accurate and necessary information, protecting individuals from undue harm or disclosure. Additionally, under 15 U.S.C. 1681c-2, there is a provision that mandates the blocking of information that is inaccurate, outdated, or otherwise incorrect in a consumer report. Given these statutory protections, I respectfully request that this erroneous bankruptcy information be investigated and removed from my credit report promptly. Thank you for your attention to this matter.