23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, i've relentlessly tried to get inaccuracies removed from my credit so that my children and i would have access to the basic necessities. Ive had some success as evidenced by the exhibits attached ; however the deliberate consumer abuse unfortunately continues. These companies ' negligence has caused such harm and distress to myself and my XXXX minor children. There are Acts put in place to protect the consumer ; and willingly and knowingly violating the laws have monetary, civil, and sometimes even criminal liability. National Credit Systems, after failing to ADEQUATELY and LAWFULLY validate any alleged debt, slightly followed protocol by the removal of this inaccurate and derogatory account from the XXXX consumer credit report. Sadly, they've knowingly committed fraud and inflicted harm by continuing to report this inaccurate account ( National Credit System Acct # XXXX ) to XXXX as " verified '' ; all while essentially admitting to the inaccuracy and fraud by the deletion from the other previously mentioned Bureau ( XXXX ). Please help me to understand how this account can be verified with one Bureau and be deleted/removed by another. Are other Bureaus, such as XXXX, held to a higher level of integrity and accountability than XXXX? Why is XXXX willing to assist these fraudulent companies in harming the consumer? What is the use of the Fair Credit Reporting Act or the Fair Debt Collection Practices Act, if it is not abided by ALL in commerce? What is the future of commerce if consumers are purposely oppressed by the entities designated to protect them? What is the future of commerce when criminals get to hide behind fictitious entities and bleed the natural person of their XXXX given rights. As I type this complaint, one of many, I literally have XXXX weeks to vacate an extended vacation home but am unable to, due to the inaccuracies on the consumer report causing the adverse action during the application process with leasing companies. This inaccuracy and fraudulent, unruly behavior on the behalf of the companies attached to this complaint ; has done far more than damage my credit worthiness, or my slander my reputation in commerce- these excessive and perpetual violations have ultimately infringed on my life, my liberty, and my ability to obtain even a rental property to call home for more than a couple of months. I need these inaccuracies PERMANENTLY and IMMEDIATELY deleted and blocked from ALL consumer credit reporting companies and bureaus, this includes XXXX, Corelogic and all other adjacent reporting companies which XXXX furnishes with this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX # XXXX is reporting erroneous lates to my account that I should not have. I made my payments but for some reason the payment was returned. My XXXX   account that I used to pay was valid and I had money in there, my bank drafted a letter for XXXX XXXX stating that there was no reason on their end or mine that the payment was returned. This was an issue with XXXX XXXX and I would like these lates removed off of my account.
Product: Debt collection

Dear Whom Is my concern, I am writing to request validation of the debt referenced in your correspondence dated [ insert date of the debt collector 's letter you received ], which claims that I owe an amount of [ insert amount ]. This request is made under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following information : 1. The amount of the debt you claim I owe.

2. The name of the original creditor.

3. Documentation that verifies I am indeed responsible for this debt.

4. A copy of any judgment ( if applicable ).

5. A detailed account of any fees or interest that are being added to the original debt.

6. Proof of your authority to collect this debt on behalf of the original creditor.

Until I receive this information, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. 

Please send the requested documentation to my address listed above within 30 days. If you are unable to provide verification of this debt, please inform me so that I can take appropriate next steps. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Bank account or service

Description of the complaint I had several transactions process overnight same time as my payroll deposited. XXXX transaction was a XXXX withdrawl it was XXXX transaction that was split into XXXX total debits as each item shipped. This resulted in a total of {$180.00} in fees for {$140.00} worth of purchases. My account was never in the negative that I saw as it all posted at the same time when I looked at my account in the morning this occured everything seemed fine. Later that morning {$180.00} in fees were pending. I called and spoke with XXXX who told me my direct deposit should negate the fees and cause them to fall from a pending state and no one could help me until they posted and that the manager would do everything to help me tomorrow. Called next day was told XXXX the manager would call me back in 15 minutes 3 hours later no call back i called him. he finally returned my call and said that they will only waive {$74.00} a year. I explained that XXXX of the charged were of the result of XXXX transaction offered to provide proof. he said it was out of his hands he didnt have authority he would have district manager call me. the next day XXXX called and said he was acting as rep. of the bank the district manager would not be calling me and they would not be waiving any fees. 1. How can they charge me {$37.00} 4 times on XXXX transaction, and refuse to even look at the documenttaion. 2. If a direct deposit and charges both post at midnight the account was never in the negative state. 3.Is there no limit as to what they can charge and under what circumstance? 3. additionaly while I am adressing issues they have been randonly charging me XXXX per account per month on what is suppossed to be free military accounts and i have called several times they waive and " fix '' it then randomly again I am charged these fees.
Product: Checking or savings account

My Bank, Bank of America will not release my funds which are free and clear. They had flagged my account due to what they had seen as a questionable payment towards my charge balance. The money in the account is what I need to live for food and my bills. Last Monday on XX/XX/XXXX, I requested my funds and was told they would respond in 1-5 business days. Today, XX/XX/XXXX I called and was told to try later this afternoon or tomorrow. There is currently {$5100.00} in my checking account. Furthermore, my pension check will be deposited on XX/XX/2022 Thursday. I need the money desperately.
Product: Mortgage

My complaint is in regard to Fay Servicing, ( FayServ ), a debt collector, who is handling my mortgage for XXXX. FayServ has been charging me late payment fees not in compliance with their late payment fee policy. 
FayServ 's policy, which is clearly noted on my monthly statement, says, " If payment is received after XXXX, {$150.00} late fee will be charged. ". However, the statement date is also displayed on the statement. Looking over all my statements in question, it shows that all statements, for subsequent months, are generated prior to the XXXX of the month, most often the XXXX or XXXX. The latest statement date, on my statements in question, was the XXXX. Therefor, even if payment is received by the XXXX or XXXX, it would indicate on the next months statement that the previous months payment was not received, therefor, adding a " PAST DUE '' and late fee amount to the next months statement.Therein lies the issue. The late fee is not returned. In my case this occurred four consecutive months, XX/XX/XXXX ( {$140.00} ), XX/XX/XXXX ( {$120.00} ), XX/XX/XXXX ( {$110.00} ) and XX/XX/XXXX ( {$110.00} ). That is a total of {$490.00}. of late fees that should not have been charged. All due to monthly statements being generated " prior '' to the XXXX of the month. 
I contacted my designated point of contact at FayServ each month this occured. She said she would look into it and " get back to me ''. However, she has never initiated contact with me with any resolve or explanation regarding this issue. The last time I managed to contact her, she said, if " they '' do n't get " my '' payment deposited by the XXXX, regardless of the date " they '' receive " my '' payment, " I '' will be charged a late fee. I was n't in agreement with her statement and asked to speak to her supervisor, she stated, " he is in a meeting and she would have him call me '', I have not heard from him. 
I have been sending my payments through my credit union bill pay service. A month or two after starting this method of payment, I noticed it took as much as 3-4 days, after the payment was transferred electronically, before the funds were deducted from the account. I contacted my credit union to discover that FayServ does not take direct payment, they only take electronic checks when the customer chooses this method of payment. My bank statements and bill pay records clearly show that the latest any payment has been sent this year is XXXX/XXXX/16. Typically, payments, for the months in question, XX/XX/XXXX-XX/XX/XXXX, are forwarded electronically, between the XXXX and XXXX with funds deducted form my account no later than the XXXX. Therefore, according to FayServ policy, I have not been " late '', but they still charge a late fee. 
So, my complaint in summery, FayServ is improperly charging late fees and not refunding them. FayServ inappropriately generates monthly statements prior to the XXXX of the month, negating compliance with their policy. FayServ does not credit my payment in an appropriate and timely manner. So, I would like FayServ to comply totheir policy and return my {$490.00}.
Product: Credit reporting or other personal consumer reports

Balance details Paid off - Balance - Balance updated - Original balance {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/year> Account type Secured Loan
Product: Credit reporting or other personal consumer reports

I received alerts to my cell phone about unknown inquiries. I am not liable for them. Please investigate and remove from my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Cease and Desist To Whom It May Concern, I am writing to formally request that your agency cease and desist all further communication with me regarding the account referenced below. 

Additionally, I request that you remove this collection account from my credit report in accordance with several provisions of federal credit laws. The account appears to be inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Inaccuracy and Completeness ( FCRA Section 611 ) : The information being reported is inaccurate and/or incomplete. Under Section 611 of the FCRA, I am entitled to a complete and accurate credit report. Please review and correct this information to ensure compliance. 

Verification of Debt ( FDCPA Section 809 ) : ** I request that you provide validation of this debt as required by Section 809 of the FDCPA. If you can not provide proper validation, you are obligated to cease reporting this debt to the credit bureaus. 

Inaccurate Reporting ( FCRA Section 623 ) : the debt is found to be inaccurately reported, Section 623 of the FCRA requires you to correct or delete the information from my credit report. 

Please confirm receipt of this letter and that you have ceased all collection activities and removed the account from my credit report. If you do not comply with these requests, I will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

We have taken home insurance from XXXX XXXX and there was damage to the roof due to hail we have raised a request for a XXXX  XXXX, and XXXX XXXX has issued the claim amount in multiple checks to the mortgage provider Select Portfolio Services, The contractor has completed 90 % of the work, and the mortgage provider is waiting for his payment. I raised a complaint on XXXX about the same on XX/XX/year> ( XXXX ) and the provider Select Portfolio Services has arranged for a home inspection for the work done and released the initial payment, now the final inspection from the mortgage provider Select Portfolio Services is completed and they are not releasing the final amount. I tried to reach them multiple times but no response the contracting company has spent over {$400000.00} for the repairs and waiting to get the money. and now the contracting company wants to take legal action and sent us a lien notice, we request you help me in getting the amount from our mortgage provider Select Portfolio Services. 

Your help will be appreciated on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a couple of bills in the mail stating that I needed to make a payment for a loan. I don't owe a loan. I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two loans and a couple of other fraudulent items that are not mine. I have never seen these items in my life. Please remove these items from my report. Thank you. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Debt collection

I tried to get this off my account numerous amount of times but the will not take it off.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a new XXXX XXXX card because of fear of compromise. On XX/XX/XXXX I checked my PayPal Account to ensure all cards had been deleted from the wallet section. To my surprise my new  XXXX XXXX card has been placed in the PayPal Account without my consent or knowledge. 

PayPal tells me that someone has access to my card. This is not true. No one has access to my card. Problem is : PayPal for some reason will not remove an old email and mobile that were hacked back in XX/XX/XXXX. One of their customer service reps and I recently changed the primary email and phone number on my account. But their automated system is still asking for an email to be sent to my old email address for verification of my identity and to reset the password. There customer service people do not have a clue as to how to fix this issue. Their actions are robotic. They do not have a clue of an issue of this magnitude and complexity. I have sent numerous emails to no avail. The executive offices will not respond. 

This lack of customer care is unacceptable for a company like PayPal. Needless to say, If I ever get this rectified, I will have nothing to do with PayPal. Companies do not understand the enormity of these issues until It is felt in the bottom line. 

In the final analysis : the hackers still have access to my initial email account and they are having a hay day on penetrating my accounts and all because PayPal is unwilling to do their diligence to protect my account information. The old information needs to be removed from their system. 

Each time they try to verify me via their automated system and I know the answers to the questions are correct, I can not be verified according to their system. They need to update their automated system with the correct information. I am at a cross roads. I need help in fixing this
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts and calling XXXX, I was told by a representative that the company is NOT going to obey the Laws under the FCRA. My information was exposed in the 2017 data breach. The company has refused to block fraudulent information on my credit report which has hindered my ability to obtain credit. They are in direct violation of 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ].
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and XXXX Hard Inquiries were made to 2 of my credit reports without my authorization or knowledge. I opened a dispute about these inquiries on XXXX, and the dispute was closed with Capital One stating they were " unable to find any inquiries that match the information you provided. '' In the letter I received from Capital One is an address that I've never lived at, or even recognize, so I'm quite sure they have me mixed up with someone with the same name.
Product: Bank account or service

Topic! 
Santander bank XXXX Pa. 
I had a checking account bal. of {$1600.00} on XXXX/XXXX/17 a check came in {$39.00} for payment from my account on XXXX/XXXX/17 That same morning XXXX I made a cash deposit of {$800.00} and check deposit of {$350.00} ... 
My account was charged a {$35.00} overdraft fee ..Santander bank has been doing this and charging these fees on a regular basis..at times the bank fee is correct in the overdraft charge ... but at this point with a cash deposit to cover the fee that same morning seems excessive and fraud to me ... 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit, and its my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts on my credit report as identity theft with XXXX  several times : XX/XX/XXXX and XX/XX/XXXX, XXXX and XXXX of 2020. The items reporting are for 2 AMEX accounts and a XXXX XXXX XXXX account that do not belong to me. These accounts are the results of identity theft. They have deleted XXXX XXXX XXXX whom AMEX hired to harass and sue me for these accounts yet will not remove the actually accounts on the same basis of identity theft. 

I have submitted a police report and other documents to XXXX, AMEX, and XXXX XXXX XXXX yet they refuse to delete these items from my credit report. They are causing damage to my credit and preventing me from obtaining housing and other credit based items. 

I have even contacted both AMEX and XXXX XXXX XXXX directly to request debt validation and yet none of them can provide with documents verifying these accounts are legitimately my accounts yet somehow XXXX  has said they have verified them as valid. The only documents AMEX sent me were statements which do not prove ownership. All 3 companies have repeatedly failed to protect the consumer. 

This entire ordeal has brought serious emotional distress and financial distress. My rights as a consumer and under the Fair Debt Collection Practices Act have been disregarded.
Product: Credit card

This is a simple dispute case that Capital One has been unable to resolve for nearly XXXX months. I cancelled an annual membership on XX/XX/XXXX but was still charged for it on my Capital One XXXX card. 

On XXXX, my Capital One card was charged {$60.00} for a XXXX membership. Customer service for XXXX informed me that I would not be receiving even a partial refund for this annual membership. So I have been charged {$60.00} for 12 months ' worth of a membership that I cancelled on XXXX and no longer have access to. 

I first disputed the charge with Capital One on XX/XX/XXXX, as soon as XXXX confirmed that they would not refund me. Capital One opened the dispute and refunded me an incorrect amount and closed the case. When I contacted them about that, they said I had entered the incorrect amount for the dispute and would have to reopen the case. So we did that and I supplied all requested documentation again. 

My case was again closed, with Capital One saying in a letter on XX/XX/XXXX that they'd already responded to the dispute and so were closing it again. I then called a representative, explained again that the refund they'd provided was for the incorrect amount, and we had to open the case for a third time. 

Here 's the timeline of what's happened since then : -- XX/XX/XXXX : I received a letter requesting more documentation. 
-- XX/XX/XXXX I called Capital One customer support to request a secure upload link to upload my documentation. 
-- XX/XX/XXXX : I received a letter requesting I fill out and upload additional forms, which I did. -- XXXX I received a letter saying they'd made a mistake and requested the incorrect documentation and to disregard that previous request. A second letter sent on XXXX said they had received my response but " it lacks all of the previously requested information to needed to validate your dispute ''. 

This indicates that for some reason, even though I spoke to a representative on XX/XX/XXXX and requested a secure upload link, that they no longer had access to the documentation I had previously uploaded. But instead of having a representative contact me and ask me for it and make sure they received and can access it, they've simply decided to just close the case and charge my card again.