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

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. This is a billing error under US Code Law 1666B. As a consumer by law these accounts on this letter must be updated or deleted immediately XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
2. This is a billing error under US Code Law 1666B. As a consumer by law these accounts on this letter must be updated or deleted immediately XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. This is a billing error under US Code Law 1666B. As a consumer by law these accounts on this letter must be updated or deleted immediately XXXX Account XXXX : XXXX Please remove it from my credit report. 
As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, XXXX XXXX
Product: Checking or savings account

On Friday, XX/XX/XXXX I attempted to close a checking account at Huntington Bank at XXXX XXXX XXXX XXXX, XXXX, IL XXXX of my decease brother, XXXX XXXX. I have a Small Estate Affidavit which was provided along with the Death Certificate, bank statements for XXXX and XX/XX/XXXX. Both states show a balance of {$2000.00}. 

I was serviced by XXXX XXXX, Customer Experience Banker which spoke with the banks back office/fraud department XXXX The bank refuses to turnover or close out the account and deliver the funds to me. The bank is claiming the funds have been on hold since XX/XX/XXXX and will not be release until XX/XX/XXXX. The bank claims the check deposit is second endorsed fraud. However, the bank has never sent any correspondence to support this. 

All bank statements show an available balance of {$2000.00} and show be issued as so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting for Equifax to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account 's information below : XXXX XXXX XXXX
Product: Checking or savings account

A few years back in 2013, my identity was stolen, I was out shopping with my mom for the holidays and someone swiped my wallet. Since then, the person that stole my wallet has opened accounts in my name with out my permission and now my credit is messed up, I am in the process of trying to fix my credit and this is not an easy task to do when I cant even open a simple second chance account. With me being in XXXX because of this I have to use third party banking like XXXX XXXX XXXX XXXX and thats not fair to me. I want to be able to go into a bank and speak with a banking professional when I have an issue but I cant do that with XXXX XXXX XXXX XXXX. If you are offering second chance banking without using XXXX then thats exactly what you should do. Instead of falsely advertising that then when people like me sign up, I get denied because you actually secretly used XXXX  to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America ( second lien holder ), XXXX,, and XXXX are reporting this mortgage account as open and late which is incorrect. This mortgage account was actually foreclosed and closed which occurred back in XX/XX/XXXX. Since that point, Bank of America has not reached out to me to remedy the situation. The loan was reported foreclosed and closed by Bank of America, XXXX, and XXXX. On XX/XX/XXXX, Bank of American purchased the home due to it being the second lien holder and sold the property at auction. On XX/XX/XXXX Bank of America began maliciously reporting the loan as a charge off. I filed a complaint with XXXX and they reported the account as valid which was incorrect. On XX/XX/XXXX Bank of America maliciously reported the account as open and being 180 days late which is incorrect. I filed a complaint with XXXX again and was told the reporting was valid. I contacted Bank of America and was not able to receive an explanation for the malicious reporting. This mortgage account was a second mortgage and was executed on the same day as the first mortgage. The first mortgage is closed and has the correct status. The execution date was XXXX XXXX, XXXX. This was a XXXX 80/20 loan product and was purchased entirely by Bank Of America in XXXX. Bank of America made itself the second lien holder in order to maliciously attack my credit file if this loan ever defaulted. This second mortgage loan was used to purchase the property and should have gone away like the first mortgage due to the property foreclosing. I want Bank of America to cease this malicious reporting practice and make this right.
Product: Debt collection

Midland took over a collection from XXXX XXXX XXXX. I have been having financial difficulties which is why I couldnt pay anymore. The most I could pay is {$5.00} a month. Im not paying theyre collection fees.
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX and XXXX. They ( FSTPROGRESS ) received that letter with certified returned receipt on XX/XX/year>. I received NO RESPONSE to both mailings. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted received on XX/XX/year> still with NO RESPONSE. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Money transfer, virtual currency, or money service

I opened a checking and saving account together with a credit card application on XX/XX/2018 at the XXXX XXXX XXXX Bank of America! Later I tried to apply for a XXXX XXXX brokerage account online, which didnt work as promised! So I went to the XXXX XXXX XXXX XXXX Bank of America on XX/XX/2018! Somebody in the building self-claimed a XXXX XXXX employee worked with me! When I asked why my online application didnt work as it should, he answered the application didnt go through the system! So I asked whether he will be able to open a brokerage account for me! He answered yes! When I asked him the relationship between Bank of America and XXXX XXXX, he told me they have the same CEO and why the Americans come inside the building to do business with them without question is the trust on the company! The XXXX XXXX brokerage account got open under his assurances! The next day when I tried to use the account and felt it didnt behave like a regular brokerage account as my others! Rather its more like a virtual account! So I called up the person to close the account! The answer is more resembling a person walked into a prison by mistake - hard to get out! He gave me a number to call to close the account and they told me the account is closed today! But when I login the account a while ago, its still there! Therefore I need your help and assistance to figure out the truth behind this XXXX XXXX brokerage Virtual account! How could a person inside a Bank of America office opened a virtual XXXX XXXX brokerage account for me? And whats the real motive behind this fraud? Thank you
Product: Debt collection

This letter serves as a formal request for validation of an alleged debt your agency has claimed to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and to ensure full compliance with my rights under federal and state laws, I am hereby requesting the following documentation : 1. Validation of the Original Debt : A complete statement identifying the original creditor, the debts initial amount, and an itemized breakdown of any fees or interest accrued since origination.

2. Proof of Collection Authority : Documentation confirming your agencys legal right to collect this debt, including any signed agreements and a complete chain of title tracing ownership from the original creditor to your agency.

3. Verification of Statute of Limitations : Confirmation that this debt remains within the applicable statute of limitations for collection within my state, as the collection of expired debts may constitute a violation of both federal and state laws.

4. Original Purchase Agreement : In compliance with the Uniform Commercial Code ( UCC ) 3-305, I request a copy of the original purchase agreement and assignment of debt, demonstrating your agencys legal authority to act as creditor.

As required by 15 U.S.C. 1692g ( b ), all collection and reporting activities to any credit bureaus must immediately cease until this debt has been fully validated. Failure to provide these documents will be understood as confirmation that no valid debt exists, and I will pursue all necessary legal remedies to enforce my rights. 

Thank you for your prompt and complete compliance with this demand.
Product: Credit card or prepaid card

I had been trying to make my monthly payment to my secure Capital One account, the payments were returned to me. I made several payments before the due date and Capital One returned my payment because I made the payment before the due date. I was finally able to make the payment on the due date which was the XXXX of XXXX, the credit due to the payment was not applied to my account to this date has not been applied yet. I thought it was but to my surprise it was not and I did not find out about this until I had to rent a vehicle and I found out the card did not go through. I made a payment on the XXXX the credit due to the payment has NOT been applied. please assist. Capital one is doing this in a way they are over charging customers. the best way to get a hold of me is via cell at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened without my knowledge with me as an authorized user. Its opening directly affected my credit score by -30 points.
Product: Debt collection

HEALTHCARE COLLECTIONS INC/HEALTHCARE COLLECTIONS LLC, ACCOUNT NO.    XXXX  has placed a negative report on at least  XXXX ,  XXXX  AND  XXXX   credit bureaus.They  are a collector for  XXXX   XXXX   XXXX  in  XXXX  CA.   At the time of emergency treatment there in  XXXX -2015, I was covered by both   XXXX    and  XXXX    XXXX   XXXX   h ealth plan.The hospital wa s aware of this coverage at the time of service.I should have no bill or collection for a bill whatsoever as I was covered by insurance at the time of service.
Product: Debt collection

My medical bill at XXXX XXXX Hospital was paid to the caregiver by my insurer but the hospital mistakenly reported the bill as unpaid and sent it to collections at Gold Key Credit, who refuse to remove this incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account from XX/XX/XXXX has been reopened and reported on credit report. After checking court docket for case - please find attached case believed to be reported. Wrong name/ amount / wrong address. This is not my debt. Case Summary XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Case Number XXXX Court Washington Superior Court Type CC - Civil Collection Filed XX/XX/XXXX Status XX/XX/XXXX, Decided Parties to the Case Show all party details Defendant XXXX, XXXX Plaintiff XXXX XXXX XXXX , XXXX Chronological Case Summary XX/XX/XXXX Case Opened as a New Filing XX/XX/XXXX Appearance Filed Attorney : XXXX, XXXX XXXX For Party : XXXX XXXX XXXX , XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Complaint/Equivalent Pleading Filed Against : XXXX, XXXX Filed By : XXXX XXXX XXXX , XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Service Issued by XXXX ( electronic receipt requested ) Serve To : XXXX, XXXX XX/XX/XXXX Service Returned Served Certified mail accepted. Party Served : XXXX, XXXX Date Served : XX/XX/XXXX XX/XX/XXXX Motion for Default Judgment Filed Motion for Default Judgment and Affidavit as to Military Service, Age and Competency Regarding XXXX XXXX filed. Filed By : XXXX, XXXX XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Affidavit Filed Affidavit of Debt and Affidavit of Non-Military Status filed. Filed By : XXXX, XXXX XXXX File Date : XX/XX/XXXX XX/XX/XXXX Order Granting Motion for Default Judgment RJO Served : XXXX, XXXX XXXX Served : XXXX, XXXX XXXX Signed : XX/XX/XXXX XX/XX/XXXX Default Judgment entered Judicial Officer XXXX, XXXX, XXXX. Monetary Award : Judgment : {$510.00} ; Status : Active ; Signed Date : XX/XX/XXXX Awarded to : XXXX XXXX XXXX , XXXX Awarded against : XXXX XXXX Judgment Book : XXXX, Page XXXX XX/XX/XXXX Automated Paper Notice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XXXX Financial Information Financial Balances reflected are current representations of transactions processed by the Clerks Office. Please note that any balance due does not reflect interest that has accrued if applicable since the last payment. For questions/concerns regarding balances shown, please contact the Clerks Office. XXXX, XXXX Defendant Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Restitution XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX XXXX XXXX XXXX , XXXX Plaintiff Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Court Costs and Filing Fees XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX XX/XX/XXXX Mail Payment ( XXXX )
Product: Credit reporting or other personal consumer reports

I purchased a vehicle in XX/XX/XXXX from XXXX XXXX. In XXXXXXXX XXXX the company ( XXXX XXXX ) was sold to Westlake Portfolio MGM XXXX In XX/XX/XXXX, the vehicle was stolen and a police report was made, and was also reported to the insurance company. The insurance made all payments for the vehicle. In XXXXXXXX XXXX XXXX I started getting calls from Westlake Portfolio requesting payments. I explained that the car was paid off to XXXX XXXX by insurance and the continued to call. In XXXXXXXX XXXX  a payment of {$100.00} pop up on my credit report stating that I made a payment when I didn't make " any '' payments to this company. So I contacted them and told them that I didn't make any payments and I was told that there was nothing I could do about it. So I disputed it with XXXX, XXXX and XXXX and they said it was valid. In XXXX and XXXX of XXXX two more {$100.00} payments pop up on my credit report. In XXXXXXXX XXXX XXXX another {$100.00} payment pop up again. " I am not making these payments ''. This company is reporting fake payments to keep this account on my credit report.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, l am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX used my credit report to intentionally lower Credit they issued for XXXX XXXX XXXXXXXX XXXX 6 months ago. I recently disputed another account that I had with XXXX XXXX..and right after that XXXXThey sent a letter stating my {$1500.00} credit with XXXX 's was dropped to {$150.00}!. I felt it was a slap in the face and done without consent to intentionally hurt my Credit score!. My credit was lower when they approved the XXXX XXXX XXXX @ {$1500.00} and now it's higher nbut they drop it to {$150.00}?. I feel my consumer rights were violated and Discrimination was used. I pay XXXX 's automatically... On XX/XX/ I paid them.Now Synchrony sends this letter they checked my credit history and dropped XXXX XXXX XXXX XXXX to {$150.00} ... knowing I only owe XXXX and so by XXXX XXXX lowering my credit limit .. my {$130.00} debt looks like I'm over my credit limit,!!!. I only owed {$130.00} when my credit limit was @ {$1500.00} ... .This has caused my hard earned Credit Score to drop. I feel it was intentional and undermining.. by XXXX XXXX because Of. Previous dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX Bank XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX Friday, XXXX XXXX I received an email from XXXX and the greeting did not welcome, I, appropriately. The writer violated the staff of the XXXX XXXX XXXX with an incorrect spelling to the said name of, I, XXXX XXXX XXXX initials XXXX. and greeted, I, by initials XXXX. which is fraud and wrongful against the state corporation commission whom provided I, the given name initials XXXX. for use in the XXXX born from communism with extreme wealth in achievement freedom. I choose to not to contact this individual due from the improper use of the said given name until I am addressed appropriately from initials XXXX, as a man of The State of California XXXX
Product: Debt collection

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX XXXX  XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to

15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Prepaid card

I submitted refund requests in XX/XX/XXXX due to XXXX cards not working as advertised " XXXX anywhere XXXX is accepted ''. Cards failed at multiple normal locations such as grocery and XXXX. 

I called in and was told to send pictures of the cards to your email which I did in XXXX. 

It has now been over two months since you received my refunds requests for 4 cards. I received 1 check on XXXX for {$500.00} and 1 check on XX/XX/XXXX for {$500.00}. 

I am still owed {$1000.00} for these scammy cards. Please send the check immediately and quit trying to earn free interest by holding my funds. I should also receive the fees I paid on these cards since they didn't work as advertised and I had to buy replacement cards from a legitimate bank. 

My 4 card # s and 4 cases are : 1 ) XXXX - XXXX 2 ) XXXX - XXXX 3 ) XXXX - XXXX 4 ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Copies of cards were Submitted via email on XX/XX/XXXX to XXXX. As you're obviously extremly unorganized, If you lost them let me know and I can resend.