23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good day to all reading this message, XXXX XXXX XXXX I am responding to your notice that you placed in my consumer report under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Credit card

These entries are incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

15 USC 1681e ( b ) ensuring maximum possible accuracy.
Product: Mortgage

Hello, I am retired and on a fixed income. My mortgage company is not removing my escrow account despite of many attempts on my part. They are charging me an additional XXXX a month for the escrow. Mind you, I pay my own insurance. I have senior citizen exemption, Homeowner exemption and Senior Citizen Exemption freeze on my property. My annual property taxes have never exceeded XXXX XXXX dollars, however my mortgage company is charging me an additional XXXX a month for " taxes '' I am on fixed income, I have contacted my mortgage company many times and made it clear to them that I CAN NOT pay XXXX on top of my monthly mortgage of XXXX. However the mortgage company keeps ignoring my request to remove my escrow account. 
Thank you.
Product: Checking or savings account

On XX/XX/2022 I noticed suspicious activity on my checking account that was NOT me. I was immediately alarmed because 1 ) it was the holidays and I know scammers target people around this time and 2 ) I had two friends who this just had just happened to in recent weeks. It was after hours but I called Chase anyway. I was told the Claims department was closed and I would have to call back in the next morning but in the meantime I could lock my debit card. I locked my debit card and then continued to go through my account to make sure every other transaction was me. Also, please note, again it was the holidays so I had multiple transactions in dollar amounts far larger than these XXXX transactions so I didn't anticipate a problem with getting my money back. The transactions involved were a {$31.00} debit at XXXX XXXX In in XXXX, TX and {$62.00} at a XXXX XXXX XXXX XXXXt in XXXX, TX. Also, please note I have no idea where XXXX is and I do not go to XXXX. NONE of my other transactions were in either of these cities. Initially Chase gave me the money back and proceeded with an Investigation. Today, XX/XX/2022, I received a letter stating they concluded their investigation and they would be debiting my account for the total {$93.00}. When I called to speak with someone, I was told these transactions were done with a chip card and chip cards can not be duplicated so it had to be me. Well, it wasn't. And that was the only due diligence they had done. Chase is willing to let my XXXX XXXX XXXX checking account walk out of the door because they believe chip cards can not be duplicated. Well that's not accurate. Chip cards can absolutely be duplicated and a simple google search would tell them that. I have never had an issue with Chase reimbursing me when it came to fraud but this is ridiculous. I was not in either of these cities. My card was clearly cloned. Again, I had other transactions for far more than these XXXX. I had no reason to make up a story about just these XXXX. They need to be reported because they are stealing my money and standing on what they believe to be true, that these cards cant be duplicated. Scammers can duplicate anything.
Product: Credit card

The flight attendants on several of my XXXX XXXX flights got on the intercom and advertised that I would get a free ticket and extra miles for signing up for the XXXX XXXX / Bank of America credit card if I submitted my application while I was on the flight. I filled out the application and handed it to the flight attendant. The credit card I received in the mail was different than the XXXX advertised. What they did n't tell you on the flight is that they have XXXX classes of credit cards, and only XXXX of them has the benefits they advertise. I got the one without the free ticket. I also never got the extra miles that were promised for signing up on the spot. Once I realized I 'd just experienced a classic bait and switch, I refused to activate the card. I also called and cancelled the account. The customer service rep. told me that the annual fee would be waived. A couple weeks later, I received a bill for {$50.00} for the fee that had allegedly been waived. All in, it took three calls to customer service for the account to be closed and the fee to be waived. I love Alaska XXXX. It 's unfortunate they are pitching awesome benefits with no qualification and then delivering something else. The last customer service rep. mentioned that he had heard this complaint XXXX times. At best this appears to be ignorant flight attendants, but it feels much more like deceit.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2021 I submitted request for equifax to investigate the accuracy of a charged off XXXX XXXX account on my report. I was notified that the account reportings were accurate and are following the FCRA guidelines. This account has repeatedly reported a charge off account monthy until current and has also updated the credit limit on XX/XX/2021 and then again on XX/XX/2021. A charged off account should not have movement and should not update credit limit increases and decreases after charged off. I dont believe an accurate investigation was completed.
Product: Credit card or prepaid card

I sent a letter to Barclays Bank ( USPS Tracking XXXX   XXXX ) that they received on XX/XX/2018. In the letter I asked them to validate a debt according to the Fair Credit Reporting Act ) they are reporting on 2 of my credit bureau reports ( XXXX & XXXX ). However I've not heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I dont know nothing about this account its fraudulent please remove. I explained to the credit bureau that DMV have informed me that there are 2 other individuals in XXXX Florida has a copy of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information all the can do is informed me of the issue. They however stated that the bureau can request a copy of the information and they will send it to them directly. However, the bureau refuse to request a copy, and continue to retain the information on my report. Please call DMV the account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$250.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : 11 XXXX ) XXXX Balance : {$220.00} XXXX XXXX ( Original Creditor : 06 XXXX XXXX XXXX XXXX  ) XXXX Balance : {$810.00} XXXX XXXXXXXX ( Original Creditor : 08 XXXX XXXX ) XXXX Balance : {$600.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Noticed a couple accounts and inquiries on my report info not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.
Product: Debt collection

XXXX keeps telling me a investigation was done but not sending me information from my letters sent to them asking for how was LVN collection was investigated
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 XXXX has violated my rights. 
XXXX XXXX has violates my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States that 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 any consumer report containing any of the following items of information. Any others adverse item of information, other than records of convictions of crimes which antedates the report by more of the seven years.

15.U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

XXXX XXXX has been included in my bankruptcy case number XXXX out of the XXXX XXXX XXXX XXXXf Michigan. They are still reporting monthly that my account is delinquent when they should have just reported it as a part of the Chapter XXXX wage earner plan. Can we have this negative reporting stop.
Product: Money transfer, virtual currency, or money service

Firstly, this outfit never has funds available for purchase ON TIME for classes. I wont use their card because they fleece students with surcharges and such. Some professors are not malleable. This outfit preys on students. They make enough money elsewhere.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section XXXX { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness. 
Under the FCRA are U.S.C XXXX, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!! 
THANKS IN ADVANCE Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX Date XXXX Account Number XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT_ Account Amount_ {$1300.00} Account Name XXXX XXXX Date XXXX Account NumberXXXX  Reason for dispute__WITHOUT EFFECTIVE CONSENT Account Amount {$600.00} Account Name XXXX XXXX XXXX Date XXXX Account XXXX Reason for dispute_WITHOUT EFFECTIVE CONSENT Account Amount__ {$2900.00} Account Name XXXX XXXX XXXX Date XXXX Account XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT Account Amount_ $
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX in accordance with the Fair Credit Reporting act 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
Product: Payday loan, title loan, or personal loan

I have applied recently like two or three times and continuously Island Finamce XXXX XXXX denied me personal loans from {$11000.00} and {$9200.00} to buy an essential product an used car a ls a replacement for a lost property in a car accident. The first time they said the required credit score is XXXX and my credit score went from XXXX then XXXX, the last time I applied in XXXX XXXX that they have had and the application returned me the application number : XXXX, i contacted them by phone and they said they reviewed my application and denied again the loan. Yesterday a coworker named XXXX XXXX commented me that in Island Finance XXXX XXXX the associate named XXXX approved and gave her a loan of {$4400.00}. She has the same salary and the company have the same time working here she have 3 kids and I dont have dependants. She said call XXXX. When I called to verify the information to XXXX to Island Finance XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, the associate named XXXX XXXX treated me in a discriminated way, she said that the application XXXX XXXX was not considered and the last call they reviewed another application number XXXX and was denied because they received my score with XXXX and my score in XXXX was XXXX, and before that XXXX and XXXX. But not XXXX. I edlxplained to her that after declared disaster XXXX hurticane XXXX, XXXX, XXXX XXXX i did not received any aid neither any loan to fairly recovered from declared disasters. I DID KNOW THAT CREDIT DISCRIMINATION IS ILLEGAL. The associate named XXXX XXXX lied to me without any motives in the phone call, they are false and misleading advertisement and clearly not equal treatment. I need thwt they removed the credit inquiry because they have misleading information and there associates are treated me in less favourable conditions that other applicants, credit discriminqtion is illegal, discrimination by gender, by age and for social status is illegal too. She assumes my backgeound and another informatiom and discriminated against me. She said that I have other accounts recently in XXXX, and of course I did not fairly recovered XXXX XXXX disaster neither declared disaster XXXX received any XXXX XXXX I have a economic injury per declared disaster and the Island Finance and their associates discriminated against me several times.They should removed the island finance credit inquiry from my credit reports in XXXX, in XXXX, and XXXX. And they should stop misleading advertosements and stop their associates discriminations agains applicants.
Product: Checking or savings account

PNC bank refuses to link my checking account with the XXXX application for me to be able to invest my money.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX, I was offered an opportunity to be enrolled in 60 month pay off program. Due to hardship on XX/XX/XXXX I contacted the Customer Solution Team/Advocate at XXXX XXXX XXXX. After speaking to an associate, it was determined that I only qualified for the 12 months hardship program. I would be paying {$80.00}, the account would be suspended for the 12 months, I would n't accrue interest for the 12 months, I would not be charged interest for the 12 months, and it would n't affect my credit. On XX/XX/XXXX, after checking my credit, it turns out that I had loss 110 credit point because someone at XXXX XXXX XXXX  decided to report my account as late pass due 30-59 days even though I was in the hardship program. I was promised by 2 supervisors that my credit would not be affect in any way. I called XXXX XXXX XXXX to have an associate to help resolve me issue but all they wanted was for me to pay the pass due regardless of my being in the hardship program. I requested to speak with a supervisor, but they just continued to pass me off to an associate. The sixth associate XXXX XXXX XXXX ( ID # XXXX ) claim to be an acting supervisor for the day told me that I was no long on the Hardship program because XXXX . XXXX XXXX ( ID # XXXX ) another associate, decided to terminate my hardship account based on his review of my account. He felt that its better for me to continue paying off my account as it was before my enrollment into the hardship program, because I would be paying less interest. But I was never informed or given the opportunity to make that decision. The associate that enrolled me in the hardship program was XXXX XXXX XXXX ( ID # XXXX ). On XX/XX/XXXX and XX/XX/XXXX a  payment into the program were made of {$80.00} ea.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  are running and hiding from me, I Demanded and instructed them to Release my Credit File and Rental history Report, but these XXXX XXXX are running and hiding. I requested the release of my entire file, I supplied my mailing address as : XXXX XXXX XXXX XXXX XXXX, GA XXXX, but rather these XXXX XXXX got to Running, this is funny, these iXXXX XXXX XXXX  think they are Stopping me, these XXXX are XXXX XXXX XXXX Send me my entire credit file for XXXX XXXX XXXX!!! $
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw multiple accounts reporting that I do not recognize.
Product: Debt collection

TRANSWORLD SYSTEMS INC is reporting a debt that is not owed. Attached is a copy of a statement from XXXX notifying me of cancellation on XX/XX/XXXX, it also shows the original date of delinquency is XX/XX/XXXX and not XX/XX/XXXX. Also is a copy of the contract between myself and XXXX. It is not signed by me or other parties. No documentation with my signature is even on file. Also in the contract agreement there is nothing stating that if this policy was cancelled for any reason funds we be due to XXXX or any other party. This debt is not valid. I have more proof that I do not owe this. I would rather avoid taking TSI to court. XXXX has given you paperwork for a debt that is not owed. XXXX is under investigation by the Georgia Insurance commission for improperly reporting a debt and violating my rights. Any further reporting by TSI I will have to file legal proceedings against them as well. I don't owe this debt. XXXX made a error on this account that was sent to be fixed in XX/XX/XXXX. They never fixed it and a computer error was made on their part. This is not owed and was never delinquent in XX/XX/XXXX. Either report the true date of delinquency or I will take legal action.
Product: Vehicle loan or lease

My car is financed through Regional Acceptance Corp. And my monthly payment is {$450.00}. 
I was laid off in XXXX due to Covid 19.

I called Regional and they agreed to a 90 day deferment. I explained that I would not be returning to work in that short of time. She said call back if I needed more time. 
I applied for a 2nd deferment when that ended and was approved with payments being due again on XX/XX/XXXX. 
I contacted them today with an additional deferment request as I have been told that I would not return to work until XXXX, XXXX. 
They denied my request for additional help. 
I explained that without the deferment the car would be reposessed because I have no means of keeping it paid at this time. 
They did not appear to care. 
Is there any recourse for me, or will I lose my car and have my credit ruined? 
Thank you, XXXX XXXX