23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX, XXXX-Received a bill from Credit Control Corporation ( Debt Collector ) for the amount of {$8900.00} XX/XX/XXXX, XXXX a Debt Verification Letter to Credit Control Corporation including-Cease and Desist Request-Creditor/Debt Collector Declaration-Requested Information Checklist that are attached ( BE-DEBT VALIDATION-CCC ). 

Under the Fair Debt Collections Practices Act ( FDCPAP, I am entitled to request validation of the debt that you allege is due to Credit Control Corporation. This is not a request to verify the debt but rather a request for Credit Control Corporation to provide complete and competent evidence of my contractual obligation to provide payment to Credit Control Corporation.
Product: Credit reporting or other personal consumer reports

Capital One - Hard Inquiry Identified a wire transfer to being improper, this was done by a person who authorized the transfer into my account. Now this hard inquiry is being held until XXXX. This wasnt my fault and I was being held accountable for a wire transfer made into my account by the approved partner. Realizing they were trying to negate their claims, Capital One has since been able to report any updates or issues from then on.
Product: Credit reporting or other personal consumer reports

I have tried to update my address to a mailable address XXXX refused to complete the request by stating all history is suppose to be reported to my account that it shouldnt be reporting accurately. I called on XX/XX/XXXX at XXXX XXXX XXXX. I have the documents ready to submit for my change! This is a violation of the FCRA and he stating that I maybe telling the truth and he will not remove it although it is reporting inaccurately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

I'm XXXX XXXX, and my account ends in XXXX, and my social security ends in XXXX. A few weeks ago, I received XXXX of my last unemployment checks and apparently there was something wrong with it. Don't ask me how, but when I called Chime, I was told the that XXXX had written XXXX checks to XXXX separate individuals but using the SAME check number. I was told your AI figured this out and it never got to a human. I had had to go through my XXXX to get my unemployment started in the first place because they were failing miserably at their job. The XXXX insisted that I attempt again, because they were just sure they could not make a mistake. I attempted to redeposit and it was rejected again. In total, they insisted, through my XXXX XXXX assistant that I do this XXXX times, and apparently you have now denied me the ability to do mobile deposits. 

I had to complete some form to get a new check and send it through the XXXX XXXX office via email. After a week or XXXX, I was advised I needed to MAIL the form and the check in. 

I now have a new check, and I HAVE DIRECT DEPOSIT ( see my social security check in the amount of {$1600.00} deposited by XXXX XXXX XX/XX/XXXX. I would like this service back. I am almost XXXX and am XXXX and can not stand in a XXXX line for great lengths of time. I like Chime but if I have no way to cash my checks that come in, it is pointless to use Chime as my bank. You can clearly see from the back of the check that the XXXX insisted I continue to redeposit this check. 

Please reinstate my mobile deposit. Currently, I have XXXX broken ribs and a fractured hip and have nobody to drive me, nor any money because you won't allow me to deposit it. I'd appreciate your assistance. You can also write to : XXXX at XXXX XXXX 's office for verification that I am telling the truth. Your cooperation would be appreciated. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit card

Dear sir or XXXX, I 'm weighting this in regards to my capital one credit card I 'm XXXX or 2016 I become ill under the care of a Dictor and XXXX by the Doctior I was having some serious health issues that I 'm only know barely recovering from. Buy the time it was done I apparently missed two payment and they say a third one but that information is in correct the statement come out on the XXXX and I paid it on XXXX XXXX so a complete thirty days did not pass. 
i did notify my credit card company of my desabilty and how it was keeping me from working..they stated no problems XXXX XXXX we have a program to protect you while your XXXX is n't well, i said " great thank you ". So much Starting in late XXXX when I contacted them. The following month.i did n't receive a bill in the mail, as well as XXXX and XXXX. I had figured it was all under the program the customer service rep had enrolled me in I thought at the time he had said everything will be on hold tell you are better and at that time call us you can make a Payment. Was was very relieved to her this.i called on XXXX first and made a payment just as I had promised. When I made the payment. I was Informed that thag was n't the case and I had been charged for all the months with late fees. Explaining my situation heavily medicated at the time.and what my account was on hold per the gentleman I faked to, stared no it just does n't build intrest and lower your Paynent. I was cocked!! the lady explained I spoke to a manager they returned all the late fee. Again I was thrilled. I descovered there is a 60 day late on my credit report and maybe a 90 I told them all this they reven so they seen there fault and miscommunication of felt do to me being sick and desabled in and out of the hospital that they would remove the late payments but not the credit reporting ones. This is unfair I did what I was told they say they mailed bills now but I never recieved any. Stating you knew you had a bill in your mind.i I had to laugh honestly
Product: Checking or savings account

I am just noticing a XXXX monthly fee on my account for Non-Bofa teller withdrawal. I did not withdraw any money nor does it reflect that I did in my payment history. I see that this has happened for over a year and I want my money back and a credit put on my account for every month that you have done this. While you are reviewing my account please go ahead and review any other fees to have accessed and I will do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I had an loan with a company name XXXX XXXX XXXX in which was brought out by XXXX now XXXX XXXX. At the time of transfer, I asked several account rep and Service manager to validated the payment history before assuming this loan from XXXX XXXX. At no time XXXX  now XXXX XXXX   validated or send me a verifiable payment history with XXXX XXXX XXXX. I eventually paid this loan off and ask for this account to be closed. At this time, the credit report is not correct due to the date and open of the account, payment history, and the account showing closed as of XX/XX/2417.
Product: Debt collection

This collection account was removed from all three credit bureaus as being invalid and not mine. Now they are trying to put it back on my XXXX report. I want it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit reports pulled by a lender and realized that only XXXX was reporting my data. After much research, it was determined that there is a problem with my social security number. It appears that at some point the last two digits of my social security number were compromised, and now both numbers are associated with my information. 

Please be advised that the last XXXX digits of my social security number are XXXX, but some reports have it as XXXX. This error is having a detrimental effect on my ability to obtain credit and needs to be corrected IMMEDIATELY.
Product: Credit card

I applied for the Amex Delta SkyMiles Gold credit card on XX/XX/, with an opening bonus of XXXX miles after spending {$2000.00}. However, after several months when I met the spending criteria, I still didn't get the bonus. I communicated a lot of times with Amex and they told me I'm not qualified for this bonus. However, this is not true : 1. I successfully opened it with the bonus. 2. I didn't have this card ever. Thus, I should be qualified. The most important thing, if I'm not qualified, they should notify me before approving my application.

I have contacted CFPB to communicate with AMEX, and the response letter showed fake information claiming that : During your online application you were advised Based on your history with Credit Card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer. Would you like to proceed? However, during the online application, I have never been advertised with this statement. The fact is I have been welcomed by the opening bonus. 

So this response really hurt my heart and I'm very sad about Amex.
Product: Debt collection

This just appeared on my credit report ( collection ) as in XXXX XXXX XXXX with a debt of {$1700.00} of open balance, nothing else, I havent received any type of notification about this and I have no idea what is this about. No phone calls, no mail, nothing from this agency.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/ NEVER LATE and send me a copy of my updated credit report.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against Affirm regarding an inaccurate report of a XXXX late payment for XX/XX/year> on my account number XXXX. This information has been reported to the credit bureaus and is adversely affecting my credit score. 

I have always maintained timely payments on this account, and I believe that the reporting of a XXXX late payment is incorrect. I request that the CFPB intervene in this matter to have the inaccurate late payment removed from my credit report. It is crucial that my credit report accurately reflects my payment history, and this error must be corrected to prevent further damage to my creditworthiness. 

I have attempted to resolve this issue directly with Affirm but have not received a satisfactory response. Therefore, I am requesting your assistance in rectifying this matter and ensuring that the XXXX late payment for XX/XX/year> is reversed and accurately reported as paid on time. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX
Product: Debt collection

This involves an amount owed to my former apartment complex while Iwas in college. This debt is claimed by ProCollect Inc to have been placed in XXXX by the former management company of the apartment complex which is now out of business. I received a call from ProCollect Inc in XX/XX/XXXX claiming to demand payment of the debt. I was not familiar with the debt and taken off guard and I asked ProCollect Inc to call my father as he was the guarantor for my lease. He spoke with a representative about the debt. He also demanded payment from my father. My father asked that he confirm and verify the debt in writing as required by law, however, he stated that he had already mailed a letter. Neither my father nor I have ever received any correspondence from ProCollect Inc. My father told the representative that the previous management company had several issues of mismanagement and it would not surprise me if the debt was legitimate. My father then asked the representative again to mail me one letter to verify the debt and he would pay it off. The representative refused and stated he could not help it if the XXXX did not deliver my mail. That was the end of the conversation. After that, ProCollect Inc placed a collection on mine and my father 's credit reports with all three credit reporting agencies. After disputing the collection with all three agencies, XXXX and XXXX XXXX removed the collection form both of our reports. However, XXXX has left the collection on our reports despite filing two disputes.
Product: Credit card or prepaid card

On XX/XX/2019, I bought tickets for four passengers from XXXX XXXX, for a XXXX XXXX XXXX  flight from XXXX to XXXX. I made the purchase using XXXX  gift cards. On XX/XX/XXXX, I received the attached email from XXXX  that confirmed the ticketing for the four passengers. On XX/XX/XXXX, I called XXXX  to pay a {$16.00} fee for seat selection on one of those tickets. I provided them the number for my PenFed credit card over the phone to pay the seat selection fee. The next month I received my PenFed credit card statement, which revealed that XXXX had charged me again for three of the tickets I had purchased in XXXX, costing {$48.00} each ( totaling {$140.00} ). I never authorized XXXX  to use my credit card to buy these tickets, which I had purchased two months earlier using gift cards. I immediately contacted XXXX, but they refused to correct the error and instructed me to contact my credit card company to dispute the charges. I contacted PenFed in XXXX to dispute the charges. PenFed has since tossed the complaint back and forth between their fraud departments and dispute departments, each one claiming the other was responsible for handling the dispute. PenFed has yet to resolve the dispute.
Product: Checking or savings account

Feedback provided CFPB CLOSED THIS AND THE BANK SIMPLY LIED TO US ALL XXXX STATUS Feedback provided on XX/XX/2020 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS com [ pany response clearly states MONETARY RELIEF AMOUNT of {$180.00} Today I received a check marked ESCROW AMOUNT and it was for {$70.00} They charged me for Flood insurance from XXXX to XX/XX/XXXX 6 months and did not even pay me 50 %. They were suppose to pay the full amount {$180.00} as well as the additional amount I paid out of pocket which seems to be {$230.00} as the old premium was {$1700.00} and the new premium is {$1900.00} I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS I do not understand this XXXX XXXX emailed me stating the original coverage i had prior to the forced placed policy was sufficient and the increase was something I did not need to do and I would be receiving {$180.00} as well as the amount I paid out of pocket as well THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS I can send you a copy of the check dated XXXX Number XXXX XXXX and it is for {$70.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My wife and I had taken a home equity credit line with Chase Bank. Now that the draw period has ended they have hit us with a balloon monthly payment. During the process this was never said or explained to us and our monthly bill has gone from $ XXXX month to {$1200.00} per month an amount we can not afford. Speaking with Chase they could care less and tried to get me into another loan. The Chase employee was aware of the balloon payment when we first agreed to the line of credit but never explained it to us. We have been scammed by Chase and I 'm asking for a lower more affordable monthly rate. We do n't want to loose our home to the scammers at Chase Bank.
Product: Vehicle loan or lease

I purchased a vehicle through a secondhand dealership on XX/XX/2020. As I was driving, the vehicle it broke down on the highway on XX/XX/XXXX of 2020 had the car towed to a XXXX dealership who then advised me after running a diagnostic test that my engine blew I was covered under an extended warranty for the engine only not for the bolts and also I had and contaminated oil line. I was out of a car from XX/XX/XXXX to XX/XX/2020 and had to pay over {$6000.00} out of pocket to cover for the bolts, the oil line and labor so I fell behind in my payments being that I work for the XXXX XXXX XXXX and I do not get paid during the summer when I spoke to a representative behind in my payments, which the finance company is credit acceptance from that time on. Ive had nothing but trouble with the car and had to constantly pay for repairs each time I spoke to a representative from credit acceptance I will explain to them as to why again I fell behind in my payments Ive paid over {$1200.00} for XXXX repair XXXX for another repair and as of today I have not driven the car for a year. Im still having issues. and the cost to have that problem fixed according to XXXX is {$7900.00}. I have not driven this car in a year Ive paid over {$780.00} in transportation to get me and my daughter to work in school recently I spoke to a representative a credit acceptance about voluntary surrendering the vehicle without having an impact on my credit up to today there has been no resolution or credit acceptance want is they are monthly payment and if I dont have it, they suggest that I borrow money from someone my car was repo. This past XXXX, I was able to retrieve the car and was put on a loan modification for {$310.00} every month on the XXXX and the XXXX. I would like to surrender the vehicle being that it is a faulty vehicle and has not run for XXXX year however, I do not want an impact on my credit, and would appreciate if I can be compensated as I invested too much money into a car that has not worked in a year, thank you for looking into my complaint
Product: Checking or savings account

My husband opened a small estate act at wells fargo on XX/XX/20 at the time wells fargo said our paper work was all correct after they sent in to the legal dept and that's all they needed the check was deposited and then got cashiers checks out to send to family members and we left money in the act to keep it open every thing was good until banker XXXX XXXX XXXX at branch XXXX XXXX called me and said wells fargo flagged the act and they would close our act on XX/XX/XXXX due to no paper from judge stating my husband as the administrator XXXX and XXXX branch manager sent in complaints on our behalf and my husband called and made a complaint with XXXX her direct line Is XXXX ref number is XXXX as he stated to her in a small estate there is no court or judge only family members a point a administrator witch they did my husband and had the letter notarized I have been told by numerous attorneys that we are correct and have everything we need to open a act so this is our problem with wells fargo thank you
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX : XXXX XXXX # : XXXX ( On behalf of XXXX  XXXX XXXX XXXX  , XXXX XXXX XXXX  Acct # : XXXX ) To Whom It May Concern : This letter is in regard to reference number : NCB File # : XXXX account number : XXXX, which you claim I owe {$5200.00} to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. This is a formal letter that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 

I contacted this company by certified mail on XX/XX/2019 and I have not received any credible response showing my signature on any documents showing where I owe this debt. This company has filed a collection report with all three credit bureaus without validating my signature. Please force this company to validate my signature that I owe this debt. If they don't respond in 30 days, please make them remove all collection notices with all three credit bureaus.