23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a notice from Linebarger Attorneys at Law of a notice to collect on an unpaid traffic citation from XXXX XXXX XXXX California from a traffic citation on XX/XX/XXXX in the city of XXXX, California. 
Knowing that I have not been in the state of California since XXXX of XXXX. I knew this was a case of mistaken identity. I called and spoke to the representative assigned to my case and was told the would review the information received. 
On XX/XX/XXXX Linebarger Goggan Blair & Sampson representative, XXXX XXXX provided me a copy of the traffic citation. The citation shows the driver and registered owner of the vehicle involved in the traffic citation was a XXXX XXXX XXXX of XXXX, Washington. Upon both of us reviewing the traffic citation, XXXX XXXX and I agreed that it indeed was not me who generated the traffic citation and the requested funds garnishment would be submitted to be rescinded. 
On XX/XX/XXXX, my savings account was garnished {$480.00} with a note of state of California legal order. Upon speaking with the State of California representative, I was able to confirm that the {$480.00} was a legal order garnishment stemming from a XX/XX/XXXX unpaid traffic citation. This confirms that Linebarger Attorneys at Law did nothing with the detection and the information reviewed on the citation from the XX/XX/XXXX conversation with XXXX XXXX. 
I have made three calls to Linebarger Goggan Blair & Sampson requesting information as to why I was still garnished when it is clear case of mistaken identity and inaccurate reporting. Each call has been met with : " Your file is being reviewed by our review team and no timeline of resolution is available at this time. ''
Product: Debt collection

I have had on my credit for 2+ years a charge of XXXX. I have questioned this balance numerous times and my response from XXXX hospital is ; payment in full is required. XXXX hospital accepted a negotiated balance from the XXXX XXXX via XXXX. Original bill was XXXX, XXXX insurance pd XXXX hospital XXXX. XXXX hospital then turned the diffency balance over to a collection agency, named Healthcare collections loc. Per XXXX insurance, when a claim is negotiated the balance is a write off. I have called XXXX hospital, they have since removed the charge from my credit, but they have caused me great financial distress to obtain any type of credit for 2+ years. 
XXXX HOSPITAL # XXXX Healthcare collections LLC XXXX Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not showing the account number. therefore it is incorrect information and under the Fair Credit Reporting Act I need these removed from all of my credit reports.
Product: Credit card or prepaid card

I found a delinquency on my credit report on Aspire Mastercard. I called in and they could not find my account. 

I then received a call on a delinquent amount on my account. I told the customer service agent that I tried calling in and they could not find my account. I explained I closed this card and my name changed. I have no way of using the card or account and closed it and then disputed the charges. They were to have someone call me back. No one called. 

I received another call. I then put in an online complaint ( e-mail attached ). I feel like I have been very clear on this. I closed the card, my name changed, I do not owe them any money, I have not made any purchases. Their response is very generic and they just say I can't get a new card. I do not want a new card. I need the charges researched. I think these may be fees from them not completing the closing of my account.
Product: Credit card

XX/XX/2022 XXXX, XXXX JPMCB CARD POTENTIALLY NEGATIVE I am looking to get this removed out my credit report, I paid this off and will like for it to be removed so my credit can go up. I am a hard worker, and I am trying to buy a house. Please remove this out my credit report. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted The XXXX  XXXX more than one also contact the consumer reporting agency to get the issue resolved. Bank of America Is reporting statements and addresses that are causing me serve distress preventing me of employment, banking and also defamation of character. It embarrassing to have such a statement written about me. Ive never committed any fraud with anyone nor do I owe any balance. Ive contacted Bank of American multiple times asking for validation of this this so called account. Ive attached both what the XXXX  XXXX has written about me and also the response of Bank of America. They only send me Bank Statement that clearly has an address that doesn't belong to me nor am I associated with it. The XXXX  XXXX removed this Account over a year ago than turn around months later and resubmitted it to there reporting system. 

Bank of America is violation of 15 USC 1692 for reporting inaccurate information and also sending their logo via communications. 

The XXXX  XXXX is also in violation of 15 USC 1692 for sharing my private information in which I never gave consent to and also sharing misleading and inaccurate information. 

attached is proof of my address, identity and also Exhibit A XXXX  XXXX reporting wrong information Exhibit B Bank of America proof of violation 15 USC 1692 ( B ) ( 2 )
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened?

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Numbe
r XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me.

Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General.

Sincerely XXXX XXXX
Product: Checking or savings account

I received my bank of America monthly statement. I used to be a bank of America employee. I never use this account and the closest banking center is 45 miles from my home. Bank of America never notified me of any changes that would take place to my account and now I am being charged with a XXXX service fee. My balance was {$5.00} It was opened in XXXX of 2016. I  never received a fee prior to this. I called the customer service line and told them to close the account and waive the fee. After 30 minutes on the phone I was transferred to the collections department who informed me I will continue to accrue a XXXX a month fee and they are unable to close my account until I pay the negative balance of XXXX. She also stated I will receive another XXXX fee on my next billing cycle. I have no transaction history on this account. had they notified me that I would accrue a monthly charge I would have closed it earlier. I received no correspondence from Bank of America.
Product: Credit reporting or other personal consumer reports

I '' am writing you this letter regarding payments that were marked late by XXXX for the following accounts on the following dates.. XXXX XXXX XXXX XXXX... It is my understanding that per 15 u.s.c 1681 ( A ) ( 2 ) ( A ) ( 1 ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report payment history and late payments associated with payment history negatively impact, my consumer report and are considered as part of my transactions and experiences between me and your company..

Furthermore, I '' am requesting that you provide me with in writing the reasonable procedures { according to 15 u.s.c. 1666 ( B ) } That you have adopted to ensure that each period statement is mailed to me ( the consumer ) no later than 21 days before the payment due date, include all the information required by section 1637 ( B ) of title 15...

You have 30 day from the date that you receive this latter, to provide me with this information in the allotted time given.. That i will assume that you can not verify the late payment on that date spacifled above..

Lacking reasonable to ensure this accuracy of my account and i would therefore request consumer reporting agency ( XXXX, XXXX & Experian ) or all that apply and updated the account to positives and remove the late payment from my account..
Product: Mortgage

On XX/XX/23 Select Portfolio Servicing drafted a false document. The document is identified as a Escrow Closing Letter. They indicated on the letter that I requested to close my escrow account and ask that I respond, to the letter, before XX/XX/23. 

SPS action are in retaliation to my claim filed with the Consumer Financial Protection Bureau. 

On XX/XX/23, I drafted an email to SPS at XXXX indicating that I never request the removal of my escrow account and the claim is false. I made a follow up call on XX/XX/23 at XXXX. On this call, I spoke with XXXX ( XXXX ). I informed her that I NEVER requested to remove the escrow account and and I did NOT desire for it to be removed. My request was for my account to be noted and reflected as such. She advised that the escrow is scheduled to be included for the Month of XXXX. 

On XX/XX/23, SPS issued my monthly statement that reflected a balance due of {$3800.00}. The current balance for the Month of XXXX was {$1900.00}. The statement also reflected a special account contribution in the amount of {$670.00} for the Month of XXXX, but there was still no reporting of my escrow payment for the Month of XXXX. 

On XX/XX/23, I submitted my payment online in the amount of {$1900.00}, for the Month of XXXX. This payment posted to my account applying {$1000.00} towards principal and interest and {$740.00} towards the escrow account. Based on my calculations there is {$170.00} unaccounted for and misallocated. 

On XX/XX/23, I accessed my SPS account to see that they had removed the escrow for the Month of XXXX. The account reflects a balance due for XXXX in the amount of {$1000.00}. 

Because my account has not been updated to reflect the escrow payment for the Month of XXXX. ( {$670.00} ) Also, because my transaction were made electronically, I am requesting that SPS be reported to the FTC for an internal investigation. Due to the falsification of a legal document, and the removal of my escrow account, by SPS on XX/XX/23, I am request DOJ perform an internal investigation into all legal transactions. 

The actions of SPS have caused me mental and physical injury. I have lost time from work to seek out mental and physical support to deal with my XXXX XXXX  and XXXX XXXX XXXX I am requesting that SPS issue pain and suffering compensation to me in the amount of {$2500.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Transunion, XXXX, XXXX Dispute of Charge-Off Entry on Credit Report To Whom It May Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements XXXX 

The inaccurate entry is as follows : Creditor Name : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. 

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Student loan

I called three times and was on hold for ~20 minutes each. The first time I did not have the information available to complete the update, the next time the line dropped when the agent was about to finally help, and the 3rd time the agent hung up shortly after answering.
Product: Credit reporting or other personal consumer reports

I have unauthorized fraud inquiries from company XXXX XXXX XXXX XXXX XXXX account id ) on my credit report that I would like to get removed I did not authorize this inquiry on XX/XX/XXXX I also have a unauthorized fraud inquiry from XXXX XXXX XXXX XXXX for XX/XX/XXXX I did not authorize this inquiry on my transunion report I also have a fraud inquiry from XXXX XXXX XXXX on XX/XX/XXXX that I did not authorize and would liked removed
Product: Credit reporting, credit repair services, or other personal consumer reports

For more than two years, I have submitted documentation several times to XXXX with information that substantially proves The XXXX  XXXX, in fact, did not close my loan, it was not included in my chapter XXXX and that I am still paying on this loan that began in XXXX of 2016. 

I was involved in Chapter XXXX, I am not a lawyer, my lawyer advised me that a reaffirmation was not needed, even though she used one for my home water softener and filtration system. ( see enclosed ) Since Chapter XXXX, XXXX XXXX XXXX stop reporting my payments and I am not getting the benefit of ownership. My credit score is really bad considering I have not failed to pay monthly. 

The credit reports reflect that the loan is closed and was part of Chapter XXXX. I find this erroneous because the account number is the same since payment one, the same on the credit report, the same on monthly payments, escrow, Tax, and Interest statements, all communication sent by XXXX  XXXX XXXX. 

I am not a lawyer, she did not file one, however, this loan is not closed, every month payment is made. How does this company get to take my money, not report and I get no credit for owning a home, and my credit does not improve? 

The reaffirmation is an excuse not to report, in my loan modification I signed a promissory note to The XXXX XXXX to pay $ XXXX for the next thirty years and a second note for a balloon payment at the end of that for another XXXX and if all fails on my part they are guaranteed to get the house ; which is why I fail to see why it is necessary for this kind of retribution.
Product: Credit card

I had a 0 % interest rate on a Discover Card, which expired on XXXX/XXXX/16. There is an existing 0 % rate, which expires on XXXX The card has never been used for purchases since I obtained these rates ; thus the only balances on the card are the expired rate, currently in the amount of {$7100.00} at 15.24 % and {$3600.00} at the 0 % rate. I have consistently paid well above the minimum payment due ; yet, the amount over the minimum rate has not been applied to the interest-bearing balance, most of which has been applied to the 0 % rate. 

Consequently, my 0 % balance has gone down, while the interest-bearing principal has remained at roughly the same amount or increased. This is contrary to similar situations on other cards ( XXXX XXXX, XXXX ) in which the interest-bearing amounts have gone down consistently, along, with the 0 % rates. I have consistently called Discover to inquire about this and have been told that interest is accruing on a daily basis and that the interest-bearing principal is consistently increasing. Again, I never use cards which have promotional rates for purchases and my interest-bearing principal on other cards with expired rates has shown marked decreases ( even those with higher interest rates ). 

My understanding is that anything paid above and beyond the 0 % rate is applied to the interest-bearing amount. Again, my other cards with expired rates show marked decreases in interest-bearing amounts, while Discover Card apparently applies a different protocol. I would appreciate having the CFPB look into this matter so that I can determine if I am mistaken or if DiscoverCard has found a way to keep the interest-bearing principal as high as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company MIDLAND CREDIT XXXXXXXX reported to XXXX XXXX and XXXX that I owe them the amount of {$3300.00}, which is false, I do not accept that debt and information that they tell the bureaus, harming my credit information and violating the FCRA credit reporting law. fair credits because they do not have any written or verbal documentation signed by me, I do not know who this company is that is violating the law because it does not demonstrate with evidence that I have a contract with them, in addition to harming me with the credit bureaus for For this reason, I request that if in 30 days they do not show documents that certify that I signed them, it be immediately deleted from the XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account for XXXX XXXX, XXXX ( collection agency ) along with the original account owner of XXXX XXXX XXXX  on my TransUnion credit report on XX/XX/2020. They reported that the information was correct and was verified as such, even though it is not. After filing a claim with the XXXX  XXXX   XXXX I received an email and postal mail response stating that these accounts are not correct and will be removed from my credit reports. However, TransUnion is still reporting both accounts.
Product: Credit reporting

Car dealership used many banks to find financing for my daughter without my permission.
Product: Credit card or prepaid card

On XX/XX/XXXX an amount of $XXXX was sent to my Direct Express debit card.
On XX/XX/XXXX an amount of $XXXX was used and on XX/XX/XXXX I checked my balance  and my balance  was only $XXXX.
 I have been trying to make contact via telephone to have the relevant state agency to cancel and replace my card immediately  but have been placed on hold and subsequently  disconnected.
Looking forward for your kind assistance.
Product: Debt collection

On XX/XX/2024 I discovered that I was being sued ( warrants of debt ) by XXXX XXXX XXXX for debt owed to One Main Financial. I was able to obtain this information by searching on the XXXX XXXX XXXX Information Website. On XX/XX/2024, I contacted XXXX XXXX XXXX to verify the debt. I was told by representative that the information had already been sent out to my old address. I explained that I had moved and I would like to have verification of debt sent to me at my new address. The representative declined and began to push me to make a payment. I explained that I wouldn't make any payment arrangement until the debt was verifiable and asked what type of payment arrangements could be made to settle debt. The representative said that the court lawsuit would continue unless debt amount was paid in full before court date and payment arrangements wouldn't stop the court proceedings. I again asked to verify debt and the representative declined. I hung up the phone. 
XXXX XXXX XXXX has illegally tried to collect the debt by not properly notifying me of the debt and refusing to verify debt information. The company has also filed a lawsuit in secret regarding a unverified debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Everyone have issue with Credit bureau I forbid the Credit bureau to follow, stalking or spy on me in any form or way, to gather information or anything about me. I have NO business with the Credit bureau and I don't owe them anything! They dare to steal and sale our information and lies about us! 
I forbid the Credit bureau to use my name, identity, intellectual property, or anything belonging to me or my associates. I also require that they delete any information they may have about me or any of my relatives, any information, third parties or anyone else! 
They have no right to deal with my life and business! They are database and personal information thieves!!! 
I see them responsible for any damage that may or may be caused to me! 
The Credit bureau are con artist who steal you identity, sale it and then try to sale you protraction from what they collect and steal from you! 
I damned them to leave me alone, stop ruin people life with wrong information and stop using my private information! 

I ask CFPB to use any enforcement authority and make them stop using my name, private info and ruin my life!