23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I never authorized or gave permission to the credit bureaus, XXXX XXXX XXXX XXXX XXXX to report a late payment or any of my person information to my credit report. According to 18 U.S. Codes 1028A-XXXX identity theft is being commented and those items need to be removed immediately.
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated 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 XXXXXX/XX/XXXX, has violated my rights.

I have never been late on these accounts. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations.

I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VERY CONCERNED AT THE FACT THAT XXXX  NOR TRANSUNION HAS BEEN ABLE TO RECTIFY THE INACCURATE INFORMATION REPORTING WITH XXXX  XXXX. AFTER SEVERAL ATTEMPTS AT TRYING TO REMOVE THE NEGATIVE INFORMATION, XXXX  WENT AHEAD AND WASHED OFF THE INFORMATION BECAUSE THE INFORMATION REFLECTING IS VERY FALSE. I NEED TO RESOLVE THIS ISSUE AS SOON AS POSSIBLE. THIS IS A MATTER I NEED TO TAKE CARE OF AND I WOULD LIKE TO HAVE IT FIXED PLEASE. I HAVE ATTACHED PROOF OF THE ACCOUNT TO THIS CONCERN. PLEASE RECTIFY THE ISSUE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Consumer Service shows a Tax Lien on my credit report. I do not have ANY Tax Lien. I DISPUTED the information with LexisNexis Consumer Service on XXXX XXXX, 2017 via USPS certified mail return receipt. Asking them to VALIDATE the information in accordance with the Fair Debt Reporting Act. I have not heard from LexisNexis Consumer Service, nor did they mark this information ad DISPUTED. I sent another letter dated XXXX XXXX, 2017 via USPS certified mail return receipt. informing LexisNexis Consumer Service by not responding to my original letter dated XXXX XXXX, 2017 LexisNexis Consumer Service have not only violated federal law, but they have failed to  provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Given that I believe you are acting in bad faith, and have not complied with the Federal Trade Commission ( 15 USC 41, et seq. ), I will filed a Small Claims lawsuit against you for failure to validate Lien/ Judgment on consumer report. ( FCRA Section 611 Part ( A ) ( 1 ) I have maintained careful records of your company actions, and you WILL BE required to appear at Superior Court of California , XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX California XX/XX/XXXX if the said information is not removed from my consumer report IMMEDIATELY. I will be seeking {$3500.00} in damages for : 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act LexisNexis Consumer Service. Has failed to validate said Liens/ Judgment Failure to remove item off consumer report. Fail to provide proof of item. Deformation. Violation of the Fair Credit Reporting Act, Negligent Establishment of Identify Fraud. Based on your response to the FCPB will determine my next actions. Information also needs to be updated with XXXX and XXXX. Verification according to XXXX  's Law Dictionary is " ... averment that the party pleading is ready to establish the truth of what he has set forth. '' Also, it goes on to say, " The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. '' The court said " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ; and XXXX v. XXXX XXXX XXXX. ( XXXX XXXX ) XXXX XXXX XXXX ; and XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
To break it down into language you can understand, verification is sworn testimony. It can be testimony in a deposition or in court or an affidavit. The only testimony that is admissible is testimony from a witness with First Hand knowledge. A court clerk does not have firsthand knowledge nor does the county recorder, nor does anyone at the credit bureaus, nor does Lexis Nexus, the main public records source for the credit bureaus. If someone verifies but they do n't have first-hand knowledge, then its not verification, its Hearsay. And hearsay is inadmissible and the court says its incompetent.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I was recently the victim of fraudulent charges on my card and have tried to contact the Way2Go customer service multiple times but it is impossible to get a live person. After entering my social security number it just keeps telling me that my new replacement card was issued and will be mailed shortly and then hangs up. I have been trying to dispute the charges but I can not get a person on the phone to speak to them.
Product: Debt collection

XXXX and XXXX continues to ignore my CFPB complaint requests for a copy of the certified mail letter receipt from XX/XX/XXXX and XX/XX/XXXX, that shows I signed with my signature their debt letter for the amount allegedly owed. I HAVE NEVER received any correspondence from XXXX and XXXX and was never given the opportunity to dispute the debt within 30 days, which is my right under the FDCPA. Also, I HAVE NEVER received a phone call from XXXX and XXXX, and no messages were ever left on my phone, if they actually did call me. I dispute the debt, because I do not owe the amount of money allegedly owed. I have never been sent a copy of the credit card agreement or a copy of the contract with my signature specifically on them. I have never been sent a copy of the monthly statements that I actually bought items from XXXX XXXX XXXX and I have never been sent a proof of bill of sale from XXXX and XXXX, that specifically shows the exact amount owed. I continue to be harassed by XXXX and XXXX and do not want them communicating with me. I sent the package back to XXXX and XXXX because they continue to cause intentional infliction of emotional distress. I am a XXXX XXXX veteran and do not work. I have XXXX from the XXXX and their continued harassment of me is causing me to go to see my doctor for XXXX XXXX and increased XXXX XXXX because of them. A copy of all correspondence and complaints with the CFPB are being sent along with another complaint to the PA Attorney General 's Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information might have been impacted by a data breach and may have got into the hands of the wrong person
Product: Checking or savings account

I set up a new tiered savings account with Barclays on XX/XX/XXXX and deposited {$300000.00} in the account. Several months later in early XX/XX/XXXX when I needed to transfer money I started the process to establish an external account to transfer money to. Once the two small test deposits hit my external account I tried logging back in to my Barclays account to confirm the deposits but I got a message that my account was currently restricted. I called the suggested phone number and they said they needed bank statements from the external accounts to confirm I own the accounts. The two accounts were the ones I had transferred the money from originally and the one I wanted to transfer the money to. So within 24 hrs I emailed them the two bank statements they requested. Several days later I still could not access my account. So I called back and they said they need 10 days to process so I asked for a manager because it was making no sense to me why I couldn't even view my account. I understand the security needed to confirm the external accounts, but to not allow me to view my balance or access tax documents is just wrong. They person on the phone said that a manager would call me 24-48 hrs. This time came and went and I never received a call. So I called back once again and tried to talk to a manager once again. I was on hold for more than and hour and no manager would ever talk to me. I still do not have access to my account or my money. A bank should not be able to block the account holder from viewing or accessing their funds, EVER. I need access to my money and if I ever do get my money out of this bank I will never, ever use them or recommend them.
Product: Mortgage

My loan was transferred from XXXX to Mr. Cooper for servicing starting in XXXX of XXXX. Since Mr. Cooper has been in charge of the servicing I have had a problem with the payment being {$47.00} higher than it should be due to Property Tax. There was an escrow shortage in the amount of {$570.00} for prior year, and I had option of paying this in full or spreading out over payment. I called Mr. Cooper and informed I would be sending this paying in full. I did this on XX/XX/XXXX. The payment was applied as partial mortgage payment. I called and got the payment correctly applied. My mortgage payment should been {$2400.00} with the applied escrow payment. I sent {$2500.00} payment XX/XX/XXXX, for XX/XX/XXXX payment, because my statement for that month did not reflect the escrow payment, so loan payment was {$2300.00}. I had additional conversations with Mr. Cooper because XXXX statement sill reflected a payment {$47.00} higher than it should be due to the escrow payment referenced above. All Mr. Cooper associates identified that the escrow payment was posted but the payment was not adjusted by the PPT team and they would resolve. On XX/XX/XXXX I sent XXXX payment in the amount of {$2400.00} because at that time the payment was still reflecting higher. At this time, I contacted Mr. Cooper and was put in contact with XXXX in the escalation department and advised would get issue resolved. In the meantime, I made my XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$2300.00}, paying an invoice that indicated I owed $ {$2300.00}. At this time because I qualified to have Mortgage Protection Insurance removed from my loan, the payment should have been {$2200.00}. This reflects the {$2400.00} payment - {$160.00} MPI amount. Mr. Cooper acknowledged this amount. On XX/XX/XXXX at XXXX XXXX, I had a collection call from Mr. Cooper for my XXXX payment. Please note I have sent more than the required amount every month since they took the loan over. I contacted Mr. Cooper and spoke with XXXX who stated payment was applied incorrectly but even when she moved the money that there was over {$100.00} shortage. I asked her how this could be possible when I sent more than the required every month since they took the loan over and she could not answer the question. This is completely unacceptable. I was informed the only way to remove them as service provider was to refinance home, but then there is no guarantee that this company would not wind up being the service provider at some point. Since XXXX when Mr. Cooper took over this loan, I have spoken to the following associates at Mr. Cooper and the problem has only gotten worse because now I have paid more than I owe monthly and I am in collection status. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I have truly tried to resolve this issue and Mr. Cooper seems incapable of effectively servicing this mortgage. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to account XXXX under XXXX XXXX on my credit report. All 3 credit bureaus are reporting that I have late payments with XXXX XXXX XXXX XXXX - XX/XX/2019, but this is incorrect information as I was not late on payments during this reported time frame. I have tried to resolve the issue directly with XXXX but they claimed to not be able to make any changes. I understand under my legal rights that any information that is inaccurate must be removed from my credit report.
Product: Student loan

I was looking to consolidate my student loans all into one company and upon trying to complete the application for consolidating I was shocked at how much I still, after 10 years of paying, owe on my loans. When I questioned my father who had completed all the applications he was equally as shocked. When I investigated further I asked my school for an account summary of everything that came into and out of my account, which they provided quickly. I noticed very easily that there were two loans specifically that were not there on this account summary. I called AES and they sent me the credit agreements. The loans were there on those agreements but not on my account? AES told me the disbursement was made to the school. The school says they never received and the disbursement was made directly to my father. My father states that he has never had that kind of money ever. And further more, why if he had received that disbursement would he have used his credit card to pay the school. I have submitted to receive his bank statements from the months that these disbursements supposedly took place. Every time I ask AES for anything its a 7-10 business day wait for their response. This is wrong given that they've collected principal and interest from almost {$20000.00} for over 10 years.
Product: Credit reporting

Collection agency sent me a letter saying I owe {$150.00} to XXXX. I paid full balance of {$62.00}. I have their receipt stating a {$0.00} balance after the payment of {$62.00}. I sent an email to this collection agency attaching the receipt and I never received any a response. To anyone reading this I do n't recommend XXXX. They were nice before, but as soon I accepted their services they forgot about me.
Product: Credit card or prepaid card

I opened a Secured Credit Card through Regions Bank. The amount of the deposit was {$250.00}. I always asked alot of questions and I made sure to asked if at anytime I wanted to close the account would their be any problems. I was told that I could close the account at any time. A while later I was almost XXXX by my ex. I have several XXXX XXXX, XXXX, and XXXX. After I started healing I went to the bank and asked them to close my account because of what happened. They requested it in writing which I did and thought the card would be closed. It wasnt, I recieved several call and over the phone, I requested the card to be closed and explained all the above. I was told they would close the account. I havent recieved a letter nor a phone call about this matter until it showed up on my credit report today as a Write off. I am requesting all the charges, payments, the date the account was open, and what happened to the letter I gave the Teller requesting my account be closed. And why I am being charged DOUBLE the amount I paid to open the card?
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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
Product: Checking or savings account

On XX/XX/XXXX Chase advised of a possible fraudulent charge on my debit card. Upon checking the account I found, and reported to Chase that all charges debited on XX/XX/XXXX were fraudulent. A claim was established for a total of {$2300.00}. Claim Number : XXXX Card ending in : XXXX Claim related to account ending in : XXXX. 

Chase accepted and refunded two items ( ATM withdrawals of {$500.00} each ).

However they have since denied ( twice now ) to refund the remaining four items totalling {$1300.00} stating simply that " We found that the transaction ( s ) was processed according to the information you provided or was authorized. '' Supporting documents can be provided - I categorically confirm that none of these charges were made by me. My card was not stolen and has been in my possession at all times. 

The one anomaly is that Chase charged me a {$5.00} dollar fee on XX/XX/XXXX for a replacement card which I neither requested or received.
Product: Credit card

I wrote the following letter to Capital One : Dear Capital One Customer Service, I am writing to express my concerns regarding the interest rates applied to my credit card account, especially in light of recent developments involving your company. The Consumer Financial Protection Bureau ( CFPB ) has alleged that Capital One misled consumers about the interest rates on its savings accounts, leading to over {$2.00} XXXX in lost interest payments. While this pertains to savings accounts, it raises questions about the transparency and fairness of Capital One 's financial products, including credit cards
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 or other personal consumer reports

I am writing to formally dispute multiple accounts reported on my credit file due to suspected identity theft. These accounts are not mine, and I believe they were opened fraudulently using my personal information without my consent or authorization. The following accounts are being disputed : XXXX ACCOUNT NUMBER : XXXX ( TRANSUNION ), XXXX ACCOUNT NUMBER : XXXX ( TRANSUNION ). Credit Bureaus : TransUnion, XXXX I have contacted the respective credit bureaus ( TransUnion, XXXX, and XXXX ) and reported the suspected fraud, but I am seeking your assistance to ensure that these accounts are investigated under the protections afforded to me by U.S. law. As part of my dispute, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ) ( 15 U.S.C. 1681c-2 ), which require the credit bureaus to promptly investigate any disputed information that is reported on my credit file. Furthermore, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) provides specific protections for individuals whose identities have been stolen, ensuring that fraudulent accounts are removed and not held against the victim 's credit. I have attached a copy of my Identity Theft Report ( FTC report or police report, if available ), as well as supporting documentation that demonstrates my claim.
Product: Debt collection

The credit bureau is allowing inaccurate information of this account to be reported. The name of the company is MRS BPO, L.L.C and the creditor is XXXX XXXX they have recently added this account on my report with XXXX with a re aged date of XXXX/XXXX/2016 for {$310.00}.
Product: Credit card

This is a credit card account that I had know ideal existed until a bill came in the mail. I contacted the company to dispute this account all the time most people receive these letters in the mail from credit card companies I told them someone mustve taken the mail and filled out the information and received the card without my knowledge.
Product: Debt collection

Midland Credit ManagementXXXX XXXX XXXX XXXX XXXX XXXX not provide the following : 1 ). Midland Credit ManagementXXXX XXXX XXXX XXXX XXXX are required to send a pre-notification letter before taking legal proceedings on collection and did not instead filed on XX/XX/year>, XXXX ( DID NOT PROVIDE ) NOR 2 ). Competent evidence that ( a ) the account is valid, ( b ) the amount allegedly owed is accurate, and ( c ) I have a contractual obligation to pay Midland Credit ManagementXXXX XXXX XXXX XXXX XXXX for this alleged debt. ( DID NOT PROVIDE ) NOR 3 ) .Provide adequate validate the authenticity of the alleged debt AND provide proof of my contractual obligation to Midland Credit Management/XXXX XXXX XXXX XXXX XXXX for this alleged debt. ( DID NOT PROVIDE ) NOR 4 ). Signed credit application between myself and Midland Credit ManagementXXXX XXXX XXXX XXXX XXXX XXXX XXXX gave permission to pull my credit report as stated by Midland Credit ManagementXXXX XXXX XXXX XXXX XXXX XXXX ( DID NOT PROVIDE ) NOR 5 ). Provide a copy of an agreement between Midland Credit ManagementXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, signed by me, stating that I have a contractual responsibility to Midland Credit Management/XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. ( DID NOT PROVIDE ) NOR 6 ). Midland Credit ManagementXXXXr XXXX XXXX XXXX XXXX is reporting a debt to the credit reporting agencies that has not been validated. ( DID NOT VALIDATE )