23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Hi, Payment in full was made over the telephone the banking account info was entered incorrectly and the payment was reversed, once we we aware of this we called to make payment in full being told that because of the error the late fees would be adjusted, each month when we got our statement, the late fee was never adjusted so each month for the last 3 months we could call and they would apologize guarantee us the fee would be adjusted and we have a XXXX balance. This last month same thing happened account shows a balance which is the late fee, we do n't pay the late fee because we are told it was going to be adjusted because we dont pay this fee, we are hit with another fee on top of it, we call again to get our fee adjusted and this time we are told they are not adjusting any more fees. I explain had this been done correctly in the first place I would not be calling for the fourth time to rectify this situation. I then asked to speak to a manager, not sure if this was a manager or just one of the reps colleagues to explain Final outcome they would not adjust and told me they could not give me special treatment. I explain this is far from special treatment this is horrible treatment, I was only going by what I was told on 3 previous occasions, I would appreciate any help you may be able to offer. Thank you for your time
Product: Credit reporting or other personal consumer reports

I am writing to express profound dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the companies associated with the fraudulent accounts. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be expeditiously removed. It is noteworthy that both XXXX and XXXX have already expunged these accounts from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify these accounts when the aforementioned bureaus have already removed them. I urge you to delete these accounts from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 


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

I have been trying to dispute some inaccurate items on my Transunion report by mail and i keep getting notices stating that i am hiring a credit repair company to do so. I believe they are trying to stall the dispute process. I am legally allowed to dispute those items, and they are required to investigate in a timely manner.
Product: Mortgage

I took the forbearance with LOANCARE ( LoanCare, LLC., a ServiceLink Company and subsidiary of XXXX XXXX XXXX ) after the shutdown back in XXXX due to the COVID-19. After resuming work in XXXX, I paid back 3 months mortgage comprising of 2 payments for the forbearance and 1 for the ongoing month. After contacting LOANCARE XXXX XXXX XXXX, XX/XX/XXXX XXXX, VA, XXXX, to take me out the forbearance program and resume my auto-draft because I was back to work, LOANCARE went ahead and withdraw a month mortgage from my bank account even though I already paid. So I emailed them for reimbursement. They told me they will look into it. Until the end of XXXX, I have not heard back from LOANCARE. I called in again, and told them to use what LOANCARE owed for the incoming mortgage. We agreed on that until I receive a letter at the end of XXXX telling me that I was behind payment. I called back confused, LOANCARE told me that they sent me a check, therefore I need to pay them the same amount as they check they sent me. So I flatly told them that I could not pay them again until I received my check. 
Till today XX/XX/XXXX, I have not received any check ( {$2400.00} ), they are charging me fees, even though they promised not to do so till I receive my check. Since then, I called multiple times to hear excuses like " your check is delay by the post office due to the covid-19 '', " we are working on it ''. My wife and I are bombarded everyday with collection calls and all kind threaten ( credit report threat ) and stressful letters about losing my house from LOANCARE. My wife is stressed out, as she believes I'm the one at fault, as she can not understand any company will treat their customers like that. I've been trying to take advantage of the low rate since XXXX, but unfortunately they are keep me away from it, and I strongly believe that LOANCARE is trying to defraud me, because I expressly ask for the tracking number of the check they supposedly sent me since XXXX so I can trace it through the Post Office. LOANCARE told me they would forward it to me in 5 business day, later told me, that there was no tracking number. Normally, I will never do business with dubious " company '' like LOANCARE, unfortunately, they bought my mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.
Product: Credit card or prepaid card

Please refer to prior Case number : XXXX. 

In addition, the case was investigated by the FL Attorney General XXXX, who shuttered the fraudulent vendor XXXX XXXX Scheme XXXX XXXX  XXXXXXXX  XXXXXXXX XXXX XXXXXXXX, air, care XXXX County Clerk of Courts Office of the Attorney General Plaintiff vs. XXXX XXXX, et al Defendant XXXX XXXX  XXXX Case Number : XXXX The account was managed by XXXX XXXX XXXX & XXXX, XXXX XXXX on behalf of Bank of America. 

The Bank of America case as previously reported was represented by attorney XXXX XXXX XXXX XXXX XXXX, XXXX. The Attorney and record filed claims in the XXXX XXXX XXXX, FL Small Claims court CAPTIONED BANK OF AMERICA, N.A. V.  XXXX XXXX XXXX IN XXXX XXXX COUNTY COURT, CASE NO. XXXX ( COMPLAINT ). The Complaint alleged the Defendant became indebted to XXXX and presently owes {$2800.00} ( the Allegations ) regarding the consumer credit account number ending in XXXX. 

Attorney XXXX XXXX XXXX XXXX XXXX, XXXX. handling Case No. XXXX ( Complaint ) terminated the case by voluntary dismal. 

However, the item in dispute continue to appear on my credit report with a status of KD - Key Derogatory ( Charge off ) on both my XXXX and XXXX credit files. 

I have contacted both XXXX and XXXX over a XXXX and XXXX of XXXX with the supporting documentation and documented stamped/validated by the XXXX XXXX XXXX Clerk of Court. 

Today XX/XX/XXXX, I spoke with a representative at XXXX told me on a recorded line who told that the Bank of America had instructed them ( XXXX ) to keep the KD - Key Derogatory ( Charge off ) status on my credit report. When asked if I could get a copy of that instructions communicated by Bank of America, I was told that it could only be obtained via court subpoena. 

I would like the Consumer Financial Protection Bureau to enforce the terms of the voluntary dismal as agreed and signed with Bank of America Attorney XXXX XXXX XXXX XXXX XXXX, XXXX. and have the Bank of America status of KD - Key Derogatory ( Charge off ) on both my credit files i.e. XXXX, XXXX, XXXX, XXXX, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and DELETE it immediately in my report : XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2022 Balance : {$310.00}
Product: Credit reporting or other personal consumer reports

I would like you to conduct an investigation for me to make certain that everything is accurate. 
XXXX ) XXXX XXXX account : XXXX * XXXX ) XXXX account XXXX XXXX ) XXXX  XXXX account XXXX XXXX ) XXXXXXXX XXXX  account XXXX ******* XXXX ) ** XXXX XXXX XXXX account XXXX XXXX ) XXXX account XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, Date of Last Activity and Date *** Reported is not accurate. And because not accurate with the FAIR CREDIT REPORTING you can not post on my credit report. 
*** DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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, credit repair services, or other personal consumer reports

Shared personal data with other companies
Product: Credit reporting or other personal consumer reports

Dear Experian, I hope this message finds you well. I am writing to request verification regarding the manner in which my recent credit dispute was handled. The details of my dispute are as follows : Dispute Reference Number : [ XXXX ] Date Submitted : [ XX/XX/year> ] Item in Question : I would appreciate it if you could provide the following information for my records : Confirmation of the actions taken to investigate the dispute. 
The source or verification used to validate the information in question. 
A summary of the findings and the decision made. 
Any updates or corrections made to my credit report as a result of the dispute? 

As a consumer, I am entitled to transparency in the resolution process under the Fair Credit Reporting Act ( FCRA ). Therefore, I kindly request a prompt response to ensure clarity on the matter. 
Please feel free to contact me via email at [ your email address ] or by phone at [ your phone number ] if further details or clarification are needed. 
Thank you for your attention to this matter. I look forward to your timely response.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I already submitted a dispute to the other credit bureaus regarding this issue, and they have already removed it from their records. They found an error and were able to verify it. I'm confused how you've verified this account while the other bureaus have already removed it. Please delete this account from my file. It is inaccurate, erroneous, incomplete, or unverifiable. I was the victim of identity theft, and I'm not sure why the credit reporting agency is not complying with the law. The other bureaus have followed suit. I'm very confused why this one seems to ignore my requests. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$6400.00} and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8900.00}.
Product: Debt collection

I saw my credit score was down in my XXXX  XXXX account {$960.00} debt for phoenix financial service.But I dont recognize it.I never get any money or service for anybody.It maybe a name similarity or somone used my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : not mine Also known as XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

I let them know I owe no debt to them, I was unaware of any debt pertaining or owed to them and also sent cease and desist letter citing usc 1692c ( c ) and asked them to remove their company from my credit report and also to refrain from contacting me.
Product: Credit reporting

Pre viously deleted items where added back onto my credit report without prior written notification. Per FRCA Section 666, all items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Refused to validate this account there for remove it at once They stated I file a fraud report with the police that would be fraud on my part SO I will not. In there documents sent to me is a summery of a bill no signature no contract because they do not have one
Product: Debt collection

Request to Remove All Delinquents Credit Reporting With Judges MANDATE From United States Court of Appeals for the Second Circuit Today with Sufficient Supporting Proof In XXXX XXXX favor against United States Department of the Treasury. Social security check garnished every month and bad faith collection not following FTC guidelines by Coast Professional inc collection company and neglect. 

To Remove All late payments for XXXX for the past three years because I was in school and Administrative Waiver under Federal law timely file. I was also granted as a matter of law and Sovereign Immunity. 

XXXX XXXX XXXX is desperately collecting and reporting incorrect XXXX XXXX  XXXX XXXX  prepaid card with out proper full disclosure of Truth In Billing Reconciling all payments activities and Federal Truth In Billing Disclosure Act for closed paid initial account paid in full for {$300.00} reported as {$3500.00}. No proof provided just frivolous comments with no bank statements.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

add my XXXX card from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute in writing to XXXX, XXXX and Transunion asking for an investigation into an inaccurate debt collection account. 
( I have attached details of the account in question. ) The 3 bureaus have not only failed to respond within 30 days, they are also continuing to report inaccurate information on my report regarding this account. I demand that this account be removed immediately.
Product: Checking or savings account

I had to close account. Kept getting overcharged. N.money took
Product: Payday loan, title loan, or personal loan

I do n't believe my " customery fee '' was fairly explained ( legal? ) in the documents I e-signed. My principle was supposed to be reduced but of a XXXX payment, only XXXX was applied.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello On XX/XX/XXXX and XX/XX/XXXX XXXX was deducted from my account. There was an issue of the seller being fraud-lent. Notified pay pal on several occasions they did not help me. Attempted to contact seller but was blocked from communication. Could you please assist me with this matter? Thanks in advance.
Product: Debt collection

AMERICOLLECT INC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXX XXXX XXXX XXXX All creditors above have 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 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 and 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

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX