23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX, Account Number : XXXX Amount : {$19000.00}, has violated my rights. 

On 15 U.S.C 1681 Section 602 A. ( 4 ) States that I have a right of privacy. 
>>> There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers 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. 
>>> ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

I recently filed a dispute with Experian regarding an incorrect reporting of late payment with XXXX XXXX  the dispute was complete and everything came back verified. However, the information is incorrect. I contacted the credit bureaus as well as the company I requested they provide me with method of verification, including the name and contact information of the source used to verify the account however, they informed me they were not able to provide me with that information. 

XXXX XXXX XXXX XXXX XXXX XXXX Ky, XXXX XX/XX/year> Experian, XXXX XXXX XXXX XXXX, TX XXXX RE : Demand for Deletion Due to Failure to Investigate/Provide Verification Dear Experian, I am writing regarding your handling of my dispute dated [ original dispute date ], concerning the following account : - Account Name : XXXX XXXX  XXXX Account Number : # XXXX Under the Fair Credit Reporting Act ( FCRA ), you were obligated to conduct a proper investigation and provide a response within 30 days of receiving my dispute. To date, you have failed to meet this requirement. Additionally, if this account was verified, you are required under FCRA 611 ( a ) ( 7 ) to provide the method of verification, including the name and contact information of the source used to verify the account. 
As you have failed to comply with these legal requirements, I am demanding the immediate removal of the account from my credit report. If you are unable to provide evidence of a proper investigation or the method of verification, this account must be deleted, as mandated by FCRA 611 ( a ) ( 1 ). 
Enclosed are the following documents for your reference : Please confirm the deletion of this account in writing within 15 days of receiving this letter. Failure to comply will result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney generals office. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was billed an additional two returned check payments plus the one added to fees and the billing department of XXXX could not explain the purpose for the current billing cycle which is due XX/XX/2019. I was overcharged approximately {$56.00} in total which has been charged to the account I have with them. XXXX has not agreed to credit my account for this overcharge even though all payments were timely and were approved my financial institution.
Product: Mortgage

XXXX XXXX XXXX XXXX Fax : XXXX XXXX Contacted me offering to lower my home mortgage interest rate. 

months after XXXX mortgage stopped all communications with me and stopped my online account access for me to pay my mortgage. 

XXXX XXXX  XXXX informed me to start making them payments. That my new mortgage was {$1500.00} a month. 

After paying XXXX XXXX  XXXX for almost 2 years. 

XXXX I formed me that Carrington would take over my mortgage Carrington mortgage services LLC XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Carrington tells me that I need to start making payments to them starting XX/XX/2023 After calling Carrington to ask why I dont have statements online for me to see They informed me that my loan remodification application was being cancelled. 

I asked them if the loan re modification was to lower my interest rate like XXXX XXXX  XXXX informed me. 

Carrington tells me that the loan re modification is because I owe almost 2 years of mortgage I sent Carrington all the payments I made to XXXX XXXX XXXX  Carrington Informed me they do not know who XXXX XXXX XXXX is BUt in all the letters Carrington sent me XXXX XXXX XXXX  name was on it How can they claim they do not know who they are I called Carrington about a week ago asking what is going on with my mortgage since I havent heard from them They informed me on Friday that my home was in foreclosure They did not want to give me any more information I asked for the lawyer information that they were using for the foreclosure Carrington informed me they did not have that information They told me I had to go to county to find out for information After arguing with them for 20 minutes They decided to give me the lawyer information Carrington after giving me the lawyer information Asked me not to call the lawyer Since Im suspicious of everything going on On Monday I called the foreclosure lawyer At this law office XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I was informed by this law office that Carrington just put the foreclosure on hold and she was not able to provide me with no other information I need this to be investigated I seem to be scammed by XXXX XXXX XXXX  And Carrington and XXXX seems to be aware and working together with these people to take my home I want to know what lawyer I can trust and call to look into this matter After being scammed now they want to put my home in foreclosure XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also called XXXX and made an application to chase during the pandemic to lower my interest rate and they ignore me I also requested a refinance and I was also ignored
Product: Credit card or prepaid card

I had American Express Plantinum and Gold charge cards, and have admittedly had a series of late payments. As of yesterday, the company have cancelled the cards which is very troublesome. While I realize that this is their prerogative, I find it hard to believe that they cancell all cards that are late on payments. I know many people that have one or both of these cards, they carry balances, and pay late but their cards have not been cancelled. None of my recent payments have been 30 days late, and I fear that this cancellation will adversely impact my credit score. I really believe that this could be discrimination based on my last name and that is quite un-American and illegal if proven true. Any assistance that you could provide would be greatly appreciated. Thank you.
Product: Debt collection

To whom it may concern, I opened my XXXX account in XXXX. I was always in good standing. 

In XXXX of XXXX, I switched from a post-pay account to a pre-pay account. The XXXX representative I spoke to on the phone to make the change was very nice and helpful and was able to implement the change immediately. 

I was happy with my new plan. Then, in XX/XX/XXXX, I received a collections notice for {$150.00}. 

I contacted XXXX and was told that the collection notice was for an early termination fee of my contract. When I changed to a pre-pay account, apparently there was 1 more month left on the contract. 

First of all, I was not aware of being under contract. Having been a paying XXXX customer in good standing for nearly 10 years at that time, I didnt even consider being restricted in such a way. 

Secondly, and most importantly, the XXXX representative I spoke to on the phone to change my account to pre-pay NEVER mentioned the fact that I was under contract, that there would be a {$150.00} termination fee, or that I only had 1 month left on the contract. 

Had I been informed of the termination fee and length of time left on the contract during that initial phone conversation, my response would have been exactly this : Thank you very much. I will call you back in a month to make the change to a prepaid account. 

I spent two days speaking with at least three supervisors at XXXX, and they were all in agreement that I was not at fault, given that the XXXX representative failed to disclose that there would be a termination fee. They pulled the recorded call and confirmed the XXXX representative was 100 % at fault. 

It seemed to take quite a bit of work, but they finally managed to remove my account from collections. I was assured that I was now in good standing and did NOT owe the {$150.00} termination fee, especially since I never left XXXX, I simply changed to a new plan. 

The very next month, I received a bill in the mail for the {$150.00} termination fee. I immediately called XXXX again. I was told that they show a XXXX balance in their system and that I owe nothing. They can not figure out why I keep being sent bills for the termination fee. They also can not seem to stop them from coming. 

Every single month since XXXX, I have received a bill for the termination fee, yet XXXX reps insist that they show this situation is resolved. Thats why this recent collection notice is so surprising. 

XXXX removed the charge from my account in XXXX of XXXX. I closed my account with a XXXX balance in XXXX of XXXX. Now, 6 years later I am sent to collections? This clearly makes no sense. 

In closing, I do NOT owe this amount, and I refuse to ever pay this termination fee to anyone, XXXX, or collection agency. 

I sincerely appreciate any help is resolving this matter. 

Thank you.
Product: Credit reporting or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all XXXX credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Product: Payday loan, title loan, personal loan, or advance loan

I am letting know that fraud has been perpetuated on me. 
XXXX XXXX XXXX has the loan of {$55000.00} on my name from XXXX XXXX XXXX ( account # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my knowledge and using my personal information. 

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 been calling calling continuously for the solar panel installations and promised many false things. - The agent came to our house in my absence met my husband and took all my personal information and promised - that the electricity bill will be reduced to {$180.00} per month from my current bill of {$420.00} per month, and we will get 30 % cash back when we file tax returns and loan is transferrable if we sell the house. 

The agent collected my personal information from my husband and got the loan approved. The edoc was sent to my husband 's email and was forwarded to the agent and he got everything done and very next day they got the solar panels installed partially and got the loan released to their company. 
When I called the city of XXXX ( provider of the electricity ) I was told they don't support the solar program and bill will not come down even with the solar panels. 

When I tried to contact XXXX XXXX- they never answered the phone The bank is after me for the loan payments. 

I have not signed any loan documents. 
Both the Finance company and XXXX XXXX and working together
Product: Checking or savings account

A random number texted me saying that an atm withdrawal was attempted and to verify it using a bit.ly url. The number does not match the fraud text number that my back uses. The number is XXXX.
Product: Debt collection

*Hunter Warfield started calling me to collect a debt. I thought it was a scam because I do not owe any money for renting an apartment. 
XXXX The debt in the amount of {$7000.00} showed up on my credit report *I called Hunter Warfield and they stated that I owed a debt on an apartment I rented in XXXXXXXX XXXX. I have never even been to XXXXXXXX XXXX. The person rented the apartment using my name ( maiden name ) and SSN. The address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The person paid for the apartment for a year and then stopped paying and owes {$7000.00}. They also used the email address : XXXX. This is not my email. 
*The name of the apartments is XXXX XXXX : XXXX XXXX XXXX *I will be filing a police report with my local department as well as freezing all my accounts.
Product: Debt collection

I am not liable for the debt with XXXX XXXX XXXX, I do not have a contract with Aldous and Associates no original contract was provided as requested. Aldous and Associates are not licensed in the state of Virginia to collect debt as a collection agency.
Product: Credit card

Since XX/XX/year> I have had fraudulent charges on my credit card. Starting XXXX there were monthly charges from XXXX a company with whom I have not done business with and the charges were reoccurring on a monthly basis. I alerted capital one about it starting XXXX and they refunded the money cancelled the card and issued a new card. In XXXX the charge appeared again on the new credit card which I had not even activated. When I called capital one and alerted them about my concern they again refunded the money I was told by capital one that the credit card companies like XXXX, XXXX, XXXX report to companies the new credit card numbers. I said this is the craziest thing that I have heard and if that is true why would you tell me to update the card on any sites I had the card inputted for reoccurring charges. Again, the card was cancelled and a new one issued. Come XXXX here again is pending charges again on a credit card that is not activated and I call capital one who finally put a block on this company. This company and the fraud is resolved as of today but now a new fraud is appearing on a different card associated with my account. I shop at XXXX XXXX and charged the amount of {$360.00} On XX/XX/XXXX and I now see that capital one shows a reoccurring monthly charge to occur for the same amount starting XX/XX/XXXX. I called XXXX XXXX whom of course said they do not have any programs that charge on a reoccurring monthly program. I called capital one and they said to wait for the charge to drop and then dispute it. I told them that at this point I believe there is fraud with in the company. I truly believe that capital one has something fraudulent happening internally and when I said this the representative did not take me seriously. I know for a fact that this new monthly reoccurring charge is not a problem on the XXXX XXXX side it is the credit card company. I hope this email is taken seriously and looked into because if this is happening to me I know it is happening to countless other people.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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: Credit card

I am deeply troubled by the inclusion of a late payment on my account, as my payment record has always been prompt. This issue is causing me a great deal of distress, and I urge you to rectify the error by removing it from my account without delay.
Product: Vehicle loan or lease

On XX/XX/XXXX, my credit report was pulled for an auto loan. Upon receiving the return information, I was told that I have a repossession on my credit for a vehicle that was totaled in a accident in XX/XX/XXXX. The vehicle was never ceased or repossessed. This has been inaccurate. I. Addition, this reporting has damage my credit and history. Also, I am in a ligation for this loan lender for settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has furnished my information and reported incorrect information, this has affected my livelihood and my XXXXXXXX XXXX XXXX. I demand that the accounts below be removed AND UPDATED from my report XXXX  XXXX CHARGE OFF ( INQUIRY ) DELETE UPDATE THE LATE PAYMENT TO PAID ON TIME AS THEY ARE CORRECT. 

XXXX XXXX XXXX SERVICES ( XXXX )
Product: Prepaid card

I recieved an Amex Gift card and I was able to use it in a few online stores at first, but now it is constantly being declined from every store I try despite having money in it. 

A lot of people seem to also have the same problem starting this past year.
Product: Checking or savings account

I authorized State Bank and Trust of Georgia to auto-debit interest payments from my personal bank account with XXXX XXXX XXXX in Maryland. State Bank and Trust has recently been purchased by Cadence Bank , N.A . On XX/XX/19 Cadence Bank , N.A . debited through ACH {$950.00}. On XX/XX/19, State Bank and Trust debited {$950.00} from the same account. This second payment was not authorized. I contacted the bank as soon as I learned of this through a review of my financial records. This second erroneous and unauthorized debit from my account put a significant strain on my finances and required utilization of overdraft coverage with XXXX XXXX XXXX. 

My online account with Cadence Bank , N.A . confirmed a credit for {$95000.00}. There was no record or credit of the second debit of the same amount. I contact a banking representative who stated after XXXX emails that the bank was investigating. I emailed again on XX/XX/19. A response stated that I should be receiving a credit from my account. I have no credit in my account at XXXX XXXX XXXX as of this writing. 

Cadence Bank, NA has violated the terms of my ACH authorization. I have emailed twice regarding my revocation of authorization for auto-debits from my account. They refuse to acknowledge this request. 

I have placed a stop payment with XXXX XXXX XXXX for Cadence Bank and State Bank and Trust for any auto-debits. I have email a copy of a letter to this effect. 

I am requesting help should I not receive a credit, in a timely fashion, for this erroneous second debit which has cause my family significant financial hardship. They refuse to acknowledge this hardship or my desire to be invoiced directly, prior to authorizing payment, for any interest payment due on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX- XXXX 15 USC 1681 Section 602 A, states I have a right to privacy. 

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

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Its a US Bank account opened in my name that I didnt not authorize or open the time the account was opened I was living in a whole different state I would like to get this problem taken care of because its stopping be from opening up a bank account for myself.
Product: Checking or savings account

BAIT AND SWITCH I received an invitation in the mail to open accounts at Citizens Bank and receive bonuses. I went to the local branch and opened the accounts in person XX/XX/year>. I was assured I would receive the bonuses. 
Some time after that, when I returned to make a deposit, I was surprised to discover that I had a preexisting savings account at the bank, which I had forgotten about and which the XXXX who opened the new accounts did not inform me of. This violated the terms of the bonuses. The XXXX who opened the accounts in the first place did not answer my questions as to how he could not have seen the existing account in his system. He said he would ask for a waiver of the requirement that there not already be an account. On a later day I enquired of him by email what the result of the request he said he would make had been, and his answer was nonresponsive to my question. 
BLOCKING OF EXTERNAL TRANSFERS : I was notified by email that external transfers were blocked. XXXX " reasons '' were given. This is them in their entirety : " XXXX. There has been adverse activity reported on your profile. [ No explanation, no source of the putative " report. '' ] XXXX. We have received information [ from where? ] that you may not be the owner of one of the external accounts added to your transfer profile and have taken this action as a security precaution. '' Pure nonsense. ALL my external accounts are years old and in good standing. 
I have accounts at XXXX other financial institutions, and NONE of them have flagged these alleged security issues. My logins continue to work with no problem at them, transfers aren't blocked. 
I have contacted the bank about these matters and they remain unresolved. The latest excuse for blocking external transfers is a problem with my " XXXX  profile. '' I have NEVER USED XXXX WITH ANY BANK. I want to transfer funds to other banks where I have accounts via ACH transfer. 
Citizens bank XXXX XXXX
Product: Credit reporting or other personal consumer reports

Accounts in question : XXXX XXXX XXXX XXXX I mailed dispute letters to XXXX, XXXX, and TransUnion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are received per my credit report stating, " account disputed by consumer ''. They never sent documentation of their investigation proving how they determined the accounts to be accurate. 
PER the FCRA section 623 & Regulations V a furnisher must not furnish inaccurate information to CRA, and that the furnisher ( credit bureaus ) must investigate a consumer 's dispute that the information is inaccurate or incomplete. 
How is this being accomplished if documentation required by law is being honored. I requested. 
1. An agreement with the creditor that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature, demonstrating my agreement to assume debt.

3. Valid copies of the debt agreement, clearly stating the exact amount of the alleged debt and any interest.

4. A complete and detailed payment history for this account, along with a comprehensive itemization of all additional charges being assessed. 

PLEASE DELETE THESE UNVERIFIED ACCOUNTS
Product: Credit reporting

Online dispute does not work. Online dispute asks questions about accounts that are not mine. After answering " none of the above '', session is terminated. It reports I am an imposter and request I send a copy of my license and call some " XXXX '' number.