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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 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

In XX/XX/XXXX I submitted my most recent disputed against a debt listed on my credit report by XXXX XXXX account # XXXX for a repossession that was conducted in the state of Florida in XX/XX/XXXX. I have been disputing this debt via the credit bureaus since approximately XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX finally decided to provide notice to the credit bureaus that the vehicle had been sold around approximately XX/XX/XXXX. They should have updated that information to the credit bureaus in XX/XX/XXXX upon my first dispute with the credit bureau agencies and they did not. I have requested via the credit bureaus that XXXX XXXX provide proof that said vehicle was sold and to verify the amount that the vehicle was sold for. XXXX XXXX since this whole period of dispute began in XX/XX/XXXX hasnt provided proof of sale or purchase amount since the disputes began. Also per the Florida repossession statue 537.012, XXXX XXXX should have provided me or the joint owner with a notice of time, place and date of sale or auction of the vehicle, which they did not. It was not until I began to dispute via the credit bureaus in XX/XX/XXXX that they advised that they sold the vehicle. This XX/XX/XXXX I disputed once more via Equifax requesting that XXXX XXXX  provide proof to me of the amount the vehicle was sold for as well as advised that I wasnt notified of the place and time where vehicle was sold/auctioned and requested proof that. I requested proof that XXXX XXXX notified me of the place and time of the vehicle sale/auction. XXXX XXXX still hasnt provided me with that proof. I find that XXXX XXXX is in violation of the Florida repossession statue 537.012 that states that they must provide the owner/joint owner with time, date and place of sale/auction and due to this statue violation I am requesting that this account be stricken completely from all of my credit files as well as the joint owners credit files.
Product: Mortgage

I received a letter from Bank of America in XX/XX/XXXX stating that I did not have homeowners insurance on my property and that I would be forced to pay for insurance that they purchased. On XX/XX/XXXX, I faxed a letter to the number provided with a copy of the insurance declaration. I have confirmation that the fax was received. I did not receive further notification that there was any problem with the documentation provided. 
I received another letter later that month and called in again. They still claimed to have no record of my submission of proof of insurance. I again faxed it - to two different numbers, one that the customer service rep gave me ( which was supposedly to her manager named XXXX ) and the other from the original letter. I then received an escrow statement showing that they were charging me for the forced purchase mortgage so I called again. I was given an email address for XXXX XXXX who promised to take care of it. I emailed the declarations page from my home owners insurance to her and requested a response if there was any problem with it. I received no response. I then received a letter stating that they were " trying to get a hold of me '' and so I called again. Still no record of all of the things I sent in. Tonight I again faxed the information to a number that was given to me by XXXX XXXX. I asked for confirmation that the fax was received and received none. 
I strongly believe that Bank of America is making it difficult for people to submit proof of insurance so that they will just give up and have to pay for the forced purchase insurance, which I understand Bank of America receives kickbacks for securing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite providing specific information to the credit reporting agency as to the dispute, the credit bureau did not require the reporting company to verify that information. Rather, the allow the collection agencies to " verify '' a debt by simply looking at the account information and seeing the name on the account. When specific information is provided, the credit reporting agency has a duty to make sure that it actually " investigates '' that dispute, not just the name on the account.

In this case, I disputed the charges, not the account. However, the credit reporting agency only required Midland Credit Management to verify the name on the account. This does not meet the requirements of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Since this has been written off on your taxes as a profit loss, I requested a 1099c so i can write this off as income. but you guys are reporting it on my credit report even though i owe the balance, and they took a tax break. This has been written off since XXXX. I will sue for statutory damages... fraud!
Product: Money transfer, virtual currency, or money service

www.paypal.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX They have a large sum of my money ( about {$1600.00} I think ) they won't release because I can not remember the email address & phone number I last used which has changed numerous times, since I last used the account several months ago. But I can prove they have my money because the XXXX XXXX statement shows the transfer of {$2500.00} to my Pal Pal account on XX/XX/XXXX. That account was opened XX/XX/XXXX. I was able to tell them my last transactions and a lot of other information no one else could know. I also gave them my SS # of course Manager " XXXX '' ( he pronounced instead of XXXX, whom I spoke to on XX/XX/XXXX ) lied and said they couldn't find the account. 
I spoke to Pay Pal Manager XXXX ( Employee # XXXX ) XX/XX/XXXX Located in XXXX Arizona said her couldn't help. 

I also went through my phone bills with a Pay Pal employee and couldnt find the number. But they do have my money. There are plenty of other ways to verify my identity. 

FEDERAL TRADE COMMISSION REF # XXXX XXXX
Product: Credit reporting, credit repair services, 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  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Debt collection

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, nearby [ XXXX ] Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Validation of Debt Dear Sir/Madam, I have recently pulled my credit and noticed that there is a collection listing from your agency. I have never been notified of this collection or that I owed a debt. I am aware that you purchased this debt for a fraction of its original value, which is a common practice in the debt collection industry. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect any payment from me. I ask that you prove that I am indeed the party who is contractually bound to pay this debt or stop collection activity and remove it from my credit report immediately. 

. I demand that you provide me with the following documentation XXXX. A valid contract, signed by me, explicitly authorizing you to purchase this debt in my name and report it to my credit report. 
XXXX. A copy of the letter you sent to me informing me of the alleged debt and granting me the opportunity to dispute it before reporting it to my credit report. 
XXXX. A signed contract or agreement between myself and your company, clearly stating the terms and conditions of the debt. 
XXXX. Documentation proving that your company is authorized to collect this debt on behalf of the original creditor. 
XXXX. Detailed statements outlining the amount owed, including any interest or fees that have been added. 

It is essential that you provide this information promptly to avoid any further legal action. I must emphasize that I have never contracted with your company, and therefore, I am not obligated to pay any debt to you. Continuing to harass me with claims of a debt that I do not owe is a violation of my rights under the FDCPA. 

If you fail to provide the requested documentation within 10 days of receiving this letter, I will have no choice but to consider this matter resolved and will take appropriate action to protect my rights. This may include filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel to address your company 's unlawful debt collection practices. 

I strongly urge you to comply with my request and provide the necessary validation of the debt. Failure to do so will only further demonstrate your company 's disregard for the law and will result in severe consequences. 

Please consider this letter as my final attempt to resolve this matter amicably. I expect a prompt response from your company, confirming receipt of this letter and providing a detailed plan of action to address my request for debt validation. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX UCC 1-308 All Rights Reserved
Product: Mortgage

I applied for loss mitigation assistants with XXXX XXXX XXXX and was in the process of a short sale loan approval, when i was notified that the loan was being transferred to a new loan servicing company on XX/XX/2020 to Shell Point Mortgage Servicing, My loan was already in loss mitigation when shell point received it i was told by the representatives at XXXX XXXX that my file would just continue on with the new servicing company and all foreclosure action had cease and desist because of the short sale process, But Shell Point decided to ignore and disregard the California Home Owners Bill of Rights as well as the recently mandate decree by Governor XXXX for financial institutions to stop all foreclosures against California citizens, in light of the recent events of COVID-19 which has crippled just about every industry in this nation all real estate business has stopped, Shell Point has violated all laws and rules pertaining to my Loss Mitigation short sale process they need to REVERSE ALL FORECLOSURE ACTION IMMEDIATELY!!!
Product: Credit card or prepaid card

I mistakenly requested a balance transfer from my Wells Fargo credit card to my XXXX credit card for the amount of {$6000.00}. I meant to transfer a balance from my XXXX credit card into my Wells Fargo credit card of that amount. I attempted to cancel this balance transfer but was unable to do so as the processing began and it could not be canceled. Since there was no balance to pay off on my Wells Fargo account in other words my current balance at the time was {$0.00}. After the balance transfer my account was now negative {$6000.00}. I called Wells Fargo to send me a credit balance refund so they credited the account but they never sent over a check to me in the amount of {$6000.00} so that I could pay back that amount to XXXX. I even called Wells Fargo 's executive department that handles complaints like these and investigates the issue however they were not able to resolve anything so I am still {$6000.00} short. I was responsible to pay a higher balance on my XXXX credit card for a mistaken balance transfer request. In order for XXXX to process a credit refund on my account for {$6000.00} they need me to send them a check from Wells Fargo. I also need a refund of the balance transfer fee of {$300.00} that I was charged by XXXX for this incorrect request which they could only refund me as soon as I send them the {$6000.00}. Wells Fargo has failed to help me resolve this issue. Also, a Wells Fargo representative guaranteed me on a recorded line that I would be receiving a credit balance refund in a form of a check in 7-10 business days from the day I called and requested the refund which was XX/XX/2023. They have still not refunded me that amount.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXXXXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX ) and feel my rights are being taken advantage of 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, 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 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XXXX in Identity theft, somebody open up accounts in my name without my authorization. I send the roper information totally three credit bureaus with my identity theft documents and other information to block these fraud accounts under the fcra ss 605b to be block due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies refuse to remove account that was opened before I turned XXXX. This account is has not legal standing on my credit report as I was well below XXXX when the XXXX account was opened and not able to give my legal consent. The companies also refuse to remove collections that are in no way related to me or have any legal standing accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice on my XXXX XXXX that my account for CB/Torrid was late. I called the company and told them I paid the balance in full, the gentleman I spoke to on XX/XX/23, stated that there was an interest fee of {$6.00} that was left unpaid. I received NO notification that anything was past due. I didn't get a statement or a phone call. He agreed that they had not called me or sent me a statement and agreed to waive the {$29.00} late fee associated with the charge. 

He told me I should call the another customer support line to have them fix the error. When I did contact them, the person I spoke with stated they can not fix the error on their end that I would have to dispute it with the credit bureau, which I did. XXXX stated that the company updated other information but did not removed the late payment stating that it was correct. The only notification I received that there was amount owed was when I got the late remark on my credit. I received no credit card statement or phone call. They failed to contact me, the consumer and I feel they are at fought for not doing their due diligence and I should not be held accountable. Also, by recommendation from the representative of CB/Torrid , I was told the way to get it corrected was by disputing the late payment and I did that.
Product: Credit card or prepaid card

CAPONE IS NOT SUPPORTING ITS CLIENTS AGAINST FRAUD. 
After conducting an audit of my credit card account, we identified a few transactions as possible fraud as the merchants/transactions are unknown. Contact was made with the credit card company on XXXX after researching for any records, concluded that the transaction are fraud. We are always told there is no time limit for fraud, we are supported by our credit cards fraud protection. THIS IS A LIE. 
Shortly after filing my claim I received notification that my fraud claim had been denied. We contacted CapOne again on XXXX to inquire why it was denied and was informed that because I made my regular payments and have been in good standing, these charges couldn't have been fraud. Case closed. Please note that I charge XXXX of dollars a month on my credit cards and may not always have the time to review everything but I do make sure I make my monthly payments and they are excepted every time. 
I requested to refile for reconsideration and was told after a claim is denied one time we no longer have the right to file again, not even for reconsideration! 
Requested an escalation to a manager and he repeated the same reasoning of the denial and stated it is corporate policy, nothing he could do. 
This situation is unacceptable, CapOne states they have no limit on fraud, this should be considered as misleading consumers. " Similar to a bait and switch '' Ultimately I am saddened by this situation and request that CapOne support me on this claim as it should and as it advertises. If I dont get the backing I deserve I will continue to file complaints with other agencies ( ie : FTC ) because if this is corporate policy, others should be made aware.
Product: Credit card

My original complaint was filed on XX/XX/XXXX alleging Discover Credit Card failed in resolving my dispute claims that have transpired over the last XXXX years. The charge of {$9.00} for XXXX began on XX/XX/XXXX and has continued thru XX/XX/XXXX at a different rate of {$14.00} since XX/XX/XXXX. These charges continue to be billed each month despite speaking to their representatives XXXX ( XXXX ) times, their agreement to adjust/refund these charges AND to do a " stop payment '' since the vendor is unreachable. All of their efforts and mine have failed to stop this monthly charge, including reissue of the card XXXX  times. They recently closed my complaint without addressing this issue and doesn't credit the TOTAL amount in dispute. Your representative forgot to include the monetary charges in the original complaint which totalled {$230.00} with only {$21.00} refunded thus far. Discovers answer to my complaint only gave me a credit of {$58.00} with no explanation of how to STOP the continuous billing NOR giving me the total credit I am owed. I plan on pursuing this dispute, closing the account and paying my charges minus the amount of the refund I believe is owed to me.
Product: Credit reporting or other personal consumer reports

15 USC 1681 e ( b ) Reasonable Procedures to Assure Maximum Possible Accuracy : My profile is blank with no dates, no accounts, and no personal information. This has negatively impacted my ability to obtain credit which is my right. This is a violation of 15 USC 1681 e ( b ).

Equifax shared inaccurate credit scores and data with lenders, which led to a miscalculated score that I can not access online violating FCRA 605B ( 15 U.S.C. 1681c-2 ).
Product: Debt collection

Good afternoon, I am writing in regards to a XXXXIC Systems Collection that has been filed on my credit report. I was un aware there was any outstanding balance to XXXX whatsoever. If you review my history with XXXX I have always paid my balances in FULL. In XXXX of 2020  I moved over to XXXX due to carrier and signal issues I incurred when the merged with XXXX. 
XX/XX/2020 I cancelled one line, XX/XX/XXXX I cancelled the second, XX/XX/XXXX I cancelled the third, then on XX/XX/XXXX I cancelled the 4th line. Since then I continued to receive bills in the mail and they never did cancel the service. I called and spoke to a XXXX rep on XX/XX/2020 to discuss and figure out what happened and why they didn't cancel the account and why i was still being billed. XXXX could not give me an answer and couldn't figure it out. They stated I had a device to turn in so they sent me a box to return the device on XXXX/XXXX/2020. Since then I never heard anything from them until I was notified via XXXX  they sent my account to collections. 
I called IC Systems the day I received notification from XXXX  and they had no clue as to where the total came from and said I had to call XXXX, I called XXXX and they also could not explain why they didn't cancel the service back in XXXX, nor could they explain the charges. They informed me the charged me for the device i sent back because it was damaged and that makes no sense what so ever. The phone was in perfect working condition when I sent it in, if it was damaged I wouldn't have sent it back to them, It would have been cheaper for me to buy the device from them vs sending it back. 
I have disputed this with XXXX and also IC Systems twice and I get nothing from them other than a note on XXXX  that says ( Meets requirement of the Fair Credit Reporting Act ). 
This is not am acceptable explanation. 
I offered to pay them XXXX $ but neither IC Systems or XXXX said they had the authority to accept an offer, so who do i need to speak with? They are both trying to collect money from me that is in accurate but neither of them know nor can explain the charges listed on my report. 
In closing I want this removed from my reports, this account should have been closed via XXXX back in XXXX of 2020, they did not .... 

Thank you for your time,