23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Wrote letter on XXXX to CAINE & WEINER that  negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify  me by mail before placing negative items on my credit report. Advised CAINE & WEINER to removed incorrect information off my credit report. More importantly, CAINE & WEINER are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from CAINE & WEINER.
Product: Checking or savings account

On XXXX I had XXXX in my checking account before a transaction processed for XXXX for {$15.00}. Afterwards I had {$5.00} in my account. I withdrew {$140.00} and that over drew my account. On XXXX XXXX I was charged two {$36.00} overdraft fees. Then a transaction went through for XXXX XXXX for {$19.00}. On XX/XX/XXXX I was charged another overdraft fee for {$36.00}. I have made several attempts to resolve this issue over the phone and through the member message center but I was told that the XXXX XXXX  transaction was processing when the XXXX charge went through so they charged me an overdraft fee for the XXXX charge and the withdraw. Then when the XXXX XXXX payment processed they charged me another overdraft fee for it. I had enough money in my account to cover either the XXXX transaction or the XXXX XXXX transaction but since XXXX XXXX was pending when the XXXX Charge went through I was charged an overdraft fee for both transactions plus the withdraw.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report as provided by your bureau, specifically regarding the account with XXXX XXXX. After reviewing my credit report, I have found numerous inaccuracies and late payment entries that violate my rights under the Fair Credit Reporting Act ( FCRA ). 

# # # Inaccuracies Identified : XXXX. Account XXXX : The account is reported as " XXXX, '' which does not accurately reflect my payment history and the status of this account. 
XXXX. Payment History : The reported payment history shows multiple late payments ( XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX ) that are incorrect. I have made payments in accordance with the agreed terms and have documentation to support this. 
XXXX. Reported Balance : The reported balance of {$21000.00} does not reflect the payments I have made, and I dispute this amount as well. 

# # # FCRA Violations : These inaccuracies are in direct violation of the following provisions of the FCRA : - Section 1681e ( b ) : This section requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information reported. The inaccuracies in my file indicate that this requirement has not been met. 
- Section 1681i : This section grants consumers the right to dispute information in their credit reports and requires bureaus to conduct a reasonable investigation of those disputes. Given the inaccuracies in my report, I expect a thorough review and rectification.

- Section 1681s-2 ( a ) : This section outlines the responsibilities of furnishers of information to provide accurate information. XXXX XXXX has failed to do so, as reflected in your reports. 



# # # Address Removal Request : Additionally, I request the removal of my previous address : I require written confirmation that these inaccuracies and outdated addresses have been removed from my credit report. Should you fail to comply with these demands, I will pursue all remedies available to me under the FCRA, including, but not limited to, filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into a loan that should be reporting on my consumer credit profile. To this date, I have yet to receive any information or acknowledgment that said investigation has begun. In my previous request I listed the information and showed my wet signature that was also notarized. This is my second attempt now, and I will be also writing to the CFPB, Federal Trade Commission and the State Attorney regarding this matter. You have violated numerous U.S. Codes for consumer reporting agencies.

As you are well aware federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( 15 U.S. Code 1681m - Requirements on users of consumer reports ). 

I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX ), you will be liable for your willful non-compliance. 
You have violated numerous U.S. Codes for consumer reporting agencies.
Product: Debt collection

I WAS NOTIFIED BY XXXX XXXX THAT MIDWEST RECOVERY PUT XXXX IN COLLECTION ( RECYCLED COLLECTION 3RD PARTY ) FROM XX/XX/XXXXTHIS WAS CANCELLED BY THE STATE OF WISCONSIN BACK IN XX/XX/XXXXTHIS COMPANY WAS A PAY DAY LOAN THAT OVERCHARDEG HIGH INTEREST, IT WAS REMOVED FROM MY CREDIT REPORT, NOW IT WAS OPEN AGAIN ... ..FOR XXXX DOLLARS THIS COLLECTION AGENGY FAILED AND BROKE WISCONSIN AND FEDERAL LAW I THINK -- -- 1 THEY FAILED TO CONTACT ME BY MAIL WISCONSIN LAW CH 427 WISC STATS 30 DAYS MY RIGHTS THAT I HAVE ALSO ENFORCING PAY DAY LOANS IS NOT LEGAL IN WISCONSIN ... ... THAT ALSO INCLUDES WITH FEDERAL LAW THAT THEY FAILED TO CONTACT IN WRITING, THIS IS CAUSED MY CREDIT SCORE TO GO DOWN BY 40 POINTS, I AGAIN THIS DEBT WAS TAKING CARE OF BACK IN XX/XX/XXXX ... LOOKING ON THE LAW THE VIOLATED THE FAIR CREDIT ACT USC 1681 SUBJECT TO XXXX DOLLAR FINE I WANT THIS REMOVED RIGHT AWAY, AND NOTICE TO THE CREDIT BUREAU
Product: Debt collection

Hi I have a balance due with global payment check services which I 've been paying monthly as requested. My complaint is after my payment they call to see if I 'm going to send my next payment which is fine. But they called pretty much every day and hang up. Out of the several calls they might leave XXXX message but for the most of all they just call and hang up on me which from what I understand this is a violation of the fdcpa. Thank you much
Product: Credit reporting or other personal consumer reports

Im writing to exercise my rights under section 609 of the Fair Credit Reporting Act. Im requesting information regarding the following accounts listed on my credit report : Account Name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX According to section 609, Im entitled to all pertinent information regarding these accounts, including the original contract with my signature. If youre unable to find this information within the 30-day time limit, I request that you immediately remove the information from my credit report.

As proof of my identity, please confirm copy of my Social Security card, birth certificate, passport, W-2, electric bill, and rental agreement. Also included is a copy of my recent credit report, with the accounts in question highlighted.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Debt collection

RE : Acct : XXXX Amount Written off : {$2500.00} Request for Deletion of Account from Credit Report Dear Capital One, I am writing to address an issue regarding my credit report. It has come to my attention that my account with you, which was previously written off by your company for tax purposes, is still being reported as having an outstanding balance. As per my records, this account was written off, and I did not receive a 1099 form reflecting this write-off. I believe that this erroneous reporting is negatively impacting my credit score and overall financial health. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and delete the account from my credit report within 15 days. Thank you for your prompt attention to this matter.
Product: Debt collection

Ever since XXXX they have hit my credit DAILY as a new creditor, causing my credit score to disintegrate after I have told them repeatedly this is not only an INVALID debt, but that I want proof of my debt to them or any client of theirs. I have sent TWO letters ( tghe 3rd will be sent XX/XX/2018 ) demanding they show me proof of my debt and they have blatantly ignored my request, yet post DAILY to my credit report as I habe gotten notificiations from XXXX, XXXX   XXXX, XXXX XXXX, XXXX, and XXXX DAILY. This tactic is not only demoralizing but downright wrong since I habe asked they prove debt, which they have failed to do so.
Product: Debt collection

My best friend received a call, today,    XX/XX/XXXX  ,  stating that  XXXX   XXXX  was trying to contact me for a debt. When I called the company, they called me back private, so it went straight to  Voice  Mail. I then called back at the number she left for me,    XXXX   XXXX   XXXX  ,  and was immediately placed on hold while they looked up my records. She then informs me that   XXXX   XXXX   XXXX   was attempting to collect a debt from a payday loan I received in    XX/XX/XXXX  I informed them that I could n't recall that loan, and asked for details. They stated that they were not a collection agency, but a mitigation company attempting to mediate the issue out of court. She then went on to say that they would attempt to collect 3 times the amount owed plus {$500.00}, but that I could pay {$410.00} today to settle the debt. I told her again that I did n't recall, and asked for a debt validation letter. She then transferred me to a supervisor. The supervisor got on the line and tried to bully me into paying. She stated they did an asset evaluation on me and asked if I owned  XXXX  vehicles,  XXXX  is my current vehicle, the other I have n't had for years. She said they we 're placing a lien on my car, and would also be taking me to court. I told her that I needed a debt validation letter, and she said they did n't have to send me anything because I was n't calling the shots here. I asked for the name of the company, she stated it was   XXXX   XXXX   XXXX   At some point in the conversation, she also stated that the debt was from  XX/XX/XXXX , not  XX/XX/XXXX .  I called   XXXX   XXXX   XXXX   and they could not find a loan for me. The claim number she gave me is :  XXXX .
Product: Debt collection

They called my father is the score of the information in regards to the steps that I have a pen because I havent responded to that phone calls because most of the time Im at work I can not be on my phone I havent resolved yet because I do not have the money out of right now to pay it as soon as I have the funds available I was going to pay it another threatened to get my parents involved women over the age of XXXX and that is illegal debt collection Practices
Product: Credit card

I came across XXXX while searching for programs to supplement and expand on web XXXX skills. With prolific overwhelmingly positive reviews seen on various sources ( XXXX ) from previous students claiming successful outcomes, including internship placements and job offers, I applied. 

I had an interview with XXXX XXXX, as he introduced himself, whom I now know to be XXXX XXXX XXXX. As per the website, students were promised at least XXXX mentor sessions, interview preparation help, and further assistance until jobs were secured. Upon a successful interview, I paid the tuition amount of {$5900.00} in full up front via credit card through XXXX ( payment processor ) ; at this time there were no financial assistance plans in place. 

Every week, the other students and I would arrange our one-on-one sessions with XXXX, and lessons would be conducted through a video-conferencing platform called XXXX. Things seemed to be going well, with more students enrolling - enough for XXXX to start looking for more instructors and an executive assistant. 

He eventually hired another instructor, whose time at XXXX was short-lived due to XXXX claims that students were not happy with him ; this, however, turned out to be false, and seems XXXX had failed to correctly pay him for his time. At the time, I never questioned it, as there was no reason for me to be skeptical. 

It was around XXXX when XXXX began to skip some of his scheduled sessions with his students, which elicited concerns among students. A few became increasingly worried about his absences and decided to ask for a refund and some left bad reviews for the school. In one particular refund case, the student left bad reviews of the school on multiple sources. It is my personal opinion that this notably triggered XXXX subsequently more XXXX behavior. XXXX threatened to put this student 's personal information online and ensure no one would hire this person - it escalated enough where the now-former student hired a lawyer. 

Further indication of his troubling behavior was his then asking students to help him create a website to defame the student. Luckily the website was never actually created and put online. XXXX XXXX, 2016 was the last time any of us saw XXXX online as our teacher. Several students expressed XXXX had not shown up for their sessions, nor had he warned he would be absent. This prompted our online search for XXXX. His executive assistant, who was also blindsided, realised passwords for accounts shared had been changed. This was the realisation point that we were now victims of fraud. 

Further research revealed he is on the Sheriff 's Most Wanted list in XXXX County and left the US to live in XXXX, bouncing between XXXX XXXX and XXXX. We have established many reviews have been falsely created by XXXX, and have reached out to known contacts, family, and are currently working to alert the correct authorities. As far as we know, he has fled with the money of possibly XXXX or more students without delivering all that was promised.
Product: Credit reporting or other personal consumer reports

I need my phone number changed with experience. Ive tried on the app and its not working out. Im very frustrated because I cant seem to get in touch with a human being. The number I have is XXXX XXXX XXXX. They keep sending codes to an old phone number. Everything else is correct. Email, address etc. this shouldnt be this difficult.
Product: Mortgage

Flagstar Bank , FSB through its agents, XXXX XXXX, Senior Loan Officer, e-mail : XXXX, and XXXX XXXX, Senior Loan Processor, e-mail : XXXX, is a predatory mortgage lender and prey on the naive and uninformed. Mr. XXXX and Ms. XXXX are taking advantage of people. The lender is using high-pressure tactics and urging me to sign on a refinance loan by the changing the terms and consumer disclosures at the last minutes. 


XXXX XXXX and XXXX XXXX tried to hoodwink me. On XX/XX/2020 I agreed to closing costs with no prepaid property taxes. The taxes have been paid in full. But on XX/XX/2020 Flagstar sent me a new consumer disclosure ( CD ) with new prepaid costs, which included property taxes, thereby ballooning the refinance loan amount by thousands of dollars, which would have compounded the interest over 15 years to my detriment. 

Please help me put these crooks out of business and report them as predatory lenders to the Federal Trade Commission.
Product: Bank account or service

Wells Fargo sent me back my check I deposited but never notified me then charges me over {$500.00} in overdraft fees XXXX of them for spending XXXX cents.
Product: Credit reporting or other personal consumer reports

There are several unauthorized inquires on my credit report that I already cleared with company and filed necessary documents to be removed as advised by representative with Experian. When called to check status alleged supervisor refused to assist and proceeded to tell me the inquiries would Never be removed. Even after originally stating I would have to reach out the lenders to get documentation to provide proof of non authorized inquiries to have them removed. I asked her for her Name and ID number respectfully just for reference and she told me I'd receive an email and abruptly hung up on me. Afterwards I started to receive multiple emails of completed disputes that were pending and under review that was submit I regards to a data breach my information was exposed in which I submitted proof of. The representative then with bias intention went and added false and older information ( addresses and phone numbers previously removed information. Not attached to Any accounts currently on my credit report. Addressed and phone numbers I haven't been attached to in over 15 years as well as addresses I never lived at. I was dishearten and devastated by the bias and illegal actions taken by the representative with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer. I know my rights and I understand the law and what it entails. I sent in dispute letters requesting fraudulent items to be removed from my consumer report. It has been over 30 days and the items are still furnished on my consumer report. Pursuant to 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave XXXX, Experian, and XXXX written consent to report anything on my consumer report. No consent is identity theft! If they are not removed I will no longer extend my credit or allow XXXX, Experian, and XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Experian, XXXX, And XXXX allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. There is no way an account that a medical bill breaking my rights due to HIPAA should be placed on my consumer report this is illegal. As well as an account that is a part of a finance charge which is violation my rights and I am owed {$1000.00} per violation for. If Experian, XXXX, And XXXX wants to continue doing business with me they should delete the inaccurate accounts from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the written requests, the unverified items listed below are reporting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed items which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX : {$4800.00} XXXX XXXX XXXX XXXX : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : {$740.00XXXX XXXX Date of inquiryXXXX XXXX XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

As of XX/XX/2019 Payment due for Sears Credit Card, I had following two outstanding balances : Promo # 1. $ XXXX/- 0 % APR Expiring on XX/XX/2019 Promo # 2. $  XXXX/- 0 % APR Expiring on XX/XX/2019 ( Which includes $ XXXX/- as Balance Transfer fee also on 0 % APR ) I spoke with Sears Customer Service over the phone and confirmed that If I send the payment of $ XXXX/- on XX/XX/2019 it will be applied to completely satisfy the balance of Promo # 1 and wipeout the balance expiring on XX/XX/2019. 

But when I send the payment of $ XXXX/- on XX/XX/2019, it was instead applied partially ( $ XXXX/- ) on Promo # 1 and {$140.00} from this payment to clear the {$140.00} ( balance transfer fee ) which is part of of Promo # 2 and on 0 % APR till XX/XX/2019. 

I would like to complain : 1. Why did the payment was not applied fully to clear the balance on Promo expiring soon?

2. Why did the Sears Customer Service confirmed me incorrectly that the payment would be applied to clear the balance first but failed to conduct same. 
3. It is clearly violation of consumer right to apply the payment on early expiring balance first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX Bureaus after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Inaccurate reports on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped XXXX points on XX/XX/XXXX, but I have no debt.