23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collector employed abusive, deceptive, and unfair tactics prohibited by the FDCPA. They provided information on an account we did not consent to, and I did not sign any agreement regarding it. A legal contract involves the consent of both parties, in which I had no participation. Furthermore, they failed to adhere to the proper five-step validation procedure, constituting unfair practices. Under the FDCPA, I am entitled to {$1000.00} per violation, and it's evident they infringed upon my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a validation letter to Upstart Network INC disputing the information on my credit bureaus reports. They responded within the 30 day time frame, but did not respond with the requested validation documents. They also did not report to the credit bureaus that the items were being disputed. On XX/XX/XXXX, I sent another letter to inform Upstart Network INC that they hadn't marked the item as " disputed '' on my credit reports, a clear violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ). Attached is a copy of all three credit reports that show as of XX/XX/XXXX Upstart Network INC has failed to place a notice of dispute on my account within the required 30-day period. The first letter of dispute was sent on XX/XX/XXXX. Therefore, the item should've been marked as disputed '' 30 days from when they received it, which was on XX/XX/XXXX according to USPS tracking.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point I am being completely taken advantage of as a consumer. My accounts have been able to be deleted from XXXX due to inaccurate reporting and other errors on their behalf but XXXX and Transunion refuse to correct their mistakes and remove the items. It is against to law for them to report inaccurately on my behalf and for them to all be reporting information that does not align with each other this is ridiculous and holding me back from moving forward in my life and business deals. I am suffering because of their disrespect for consumer law! The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. These are the accounts XXXXXXXX XXXX XXXX XXXX Past due balance reporting incorrectly under Metro 2 guidelines. 
XXXXXXXX XXXX XXXX XXXXXXXX Past due balance reporting incorrectly under Metro 2 guidelines. 
XXXXXXXX XXXX XXXX XXXXXXXX Past due balance reporting incorrectly under Metro 2 guidelines. 
This is a violation of the FCRA 15 U.S. C 1681i and is also in violation of requisite METRO 2 Compliant reporting Standards.

According to the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) I have the right to a fair and accurate credit report, and you are required to promptly delete, and remove any information that is not true, accurate, and verifiable.

Someone needs to hold them accountable for this. The accounts reporting inaccurately need to be deleted immediately this process has taken too long!
Product: Credit card or prepaid card

I submitted an on-line payment. The next day it was returned and I realized I had forgotten to record a payment to another creditor. I contacted American Express and asked them not to resubmit the ACH. I was assured that the notation had been made. Two days later, they submitted the ACH again. I called again and was told that my bank would have to cancel further ACH request. My bank told me this was not possible as American Express generated the payment. I called American Express again and was informed that there was no way to stop the ACH automatic resubmissions. In this day and age, I do not believe that they can not stop automatic payments. I incurred {$100.00} in overdraft fees. I agree with the first fee as I did make the error ( however my bank was kind enough to refund that fee ). American Express should have been able to cease the resubmissions. My payment was not due for another two weeks so I wanted to wait before submitting a new payment. American Express has also charged me a {$29.00} return payment fee. Since they just tried to resubmit again, I am certain they will charge me another fee.
Product: Debt collection

THE CALLED ME AT WORK, MY CELL PHONE AND WIFE PHONE THEY CALLED WITH NO CALLER ID ON ALL PHONES THEN LEFT A MESSAGE TO CALL ( XXXX ) XXXX.
Product: Debt collection

I would like professional collector corporation to show me what documents that I signed that there is interest or late fees for my medical bills. The records they gave me shows no interest and no late charges. I also called XXXXXXXX XXXX XXXX  and was told they dont charge an interest rate or late fees. So I would like to know how they got interest rate on these bills. By law interest cant be charged unless there was one already on it before it went to collections. Once we went to court the judge had put an interest rate at that time. Here is the proof by XXXX XXXX  XXXX  themselves showing there wasnt interest rate. Also why would you pay my bills that were from XXXX? That was not on the ccap. These bills are over 6 years old which makes them too old to be paid. Like I said they are not what you entered into ccap. Also why are the documents that I was served with show XXXX bills and also start in XXXX? Why are the records that was entered for you entered into ccap show XXXX? By looking at the paperwork from XXXX XXXX XXXX  it doesnt show any interest or late fees.
Product: Debt collection

I was continually talked over. Was told I would receive documents via email when I went to email and junk mail and could not find what he said he sent, he then changed delivery method to US Postal Service. Was told by XXXX XXXX ( XXXX XXXX, but when I called back was told by operator that XXXX XXXX who is in charge of collecting thus already paid amount for breaking a lease on a XXXX infested, Mold filled, contaminated apt that I had an air quality test done on but was still required to pay to leave such medical unhealthy accommodations, was not XXXX another lie because the person I spoke with when I could get a word in had an XXXX accent ) that XXXX XXXX XXXX XXXX again requested in XXXX XXXX collection of this alleged debt then he changed this statement to XX/XX/XXXX as last time XXXX XXXX contacted National Credit Systems. XXXX XXXX stated he would contact XXXX XXXX and verify debt but seems like a lie. This should have been done already. Unscrupulous tactics that include lying. This happened today but with all the lies I just don't believe this company will follow through and check for accuracy of amount already paid or send the documents. I followed up with an email to them requesting everything with address provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX XXXX with XXXX XXXX. On XX/XX/2017, I noticed an errors on my payment history and has not yet be resolved. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 48 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report it has been over 48 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX And Transunion Credit Bureaus, a credit reporting agency that has provided inaccurate personal information on my credit report. Clearly I found the inaccurate information that appears on my credit report and it seems possible not belongs to me. I have previously disputed these inaccuracies with the XXXX and Transunion credit reporting agencies. I am requesting to you that the credit reporting agency will promptly removed the inaccurate personal information on my credit report and provide me with an updated, accurate credit report without those inaccurate information that doesnt belongs to me. I believe that the inaccuracies on my credit report are affecting my financial well-being and creditworthiness, and I kindly request that the CFPB investigate this matter and take the necessary steps to ensure the accuracy of my credit report. The personal details and the inaccuracies on my credit report are as follows : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX in XXXX, CT threatened to damage my credit and reputation. I want them disciplined. I contacted Capital One numerous times to fix this never got a call back once. These people threaten me again and I will contact the police and file charges against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. On XX/XX/22, I informed the credit bureaus that an account from XXXXXXXX XXXX on my credit file does not belong to me. I have never extended credit there. The Fair Credit Reporting Act says that any time a consumer notifies the consumer reporting agency of any type of information that is a result of alleged identity theft, it must be removed from the consumer 's credit file within XXXX business days. The account is still on my credit file. Also, no account can be furnished on my credit file without my written permission. I did not give XXXX XXXX  written permission to furnish an account on my credit file. My rights as a consumer are being violated. I will not allow this to continue.
Product: Credit card or prepaid card

American Express Rewards card beginning XXXX. Area merchants began to refuse card XXXX.
Rather than fix the problems with merchants, card was cancelled without warning sometime during XXXX  or XXXX without written notification. On line message XX/XX/XXXX stated " This card has been cancelled ''. Requests to verify in writing closure and reasons have been refused. Cashback rewards of {$61.00} was forfeited rather than paid as previously requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint in attempting to ensure the deletion of these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Assuming no one cares, either way, block the noteworthy of any information or items in my credit record that came about due to alleged fraud or extortion.
Product: Bank account or service

Wells Fargo close my Account due to me filing a consumer complaint. They close my account without sending me a Cashier check to close my account with a XXXX balance.
Product: Credit reporting or other personal consumer reports

It is customary and a precedence as well as consumer reporting practice to notate when an account is in dispute. This account was not notated as such, therefore mandating a removal of the account.
Product: Credit card

On XX/XX/XXXXXXXX XXXX XXXX XXXX subscription refunded my AVA credit builder account XXXX dollars for tv apps I didn't subscribe to. 
AVA did not refund me my money they paid my XX/XX/XXXX. Bill in full and applied the remainder of the XXXX refund to my AVA credit builder account in the amount of XXXX dollars. 
So when my XX/XX/XXXX. Bill was due it has XXXX due because the bill was just paid in full on XX/XX/XXXX. Out of my XXXXXXXX XXXX subscription refund of XXXX dollars so in my XX/XX/XXXX due date it still had my XXXX dollars credited available. 
So on XXXX XXXX. My wife tried a XXXX free trial for XXXX dollar that posted on my AVA account as pending 2 times on XXXX XXXX. Which is after my due date for XX/XX/XXXX. That took my credit showing on my AVA credit builder account at XXXX dollars it was showing it. 
On XX/XX/XXXX. My wife purchased XXXX XXXX on XXXX for XXXX On XX/XX/XXXX the XXXX XXXX XXXX ended for the XXXX XXXX XXXX TV XXXX and charged my AVA credit builder account XXXX On XX/XX/XXXX. AVA. XXXX accessed my chase bank account for XXXX dollars and used the XXXX dollars that was credited to my AVA account from XX/XX/XXXX. Refund From XXXX prime subscription for the balance from the XXXX charge from XXXX the 2 days before on XX/XX/XXXX. Which is a VIOLATION my XXXX due date already passed on XX/XX/XXXX. With a XXXX balance it was now XXXX this charge would have went on XX/XX/XXXX. XXXX not backwards on a XX/XX/XXXX. XXXX that has already passed. 
On XX/XX/XXXX. XXXX refunded the XXXX charge for the free trial ended on XX/XX/XXXX because my wife didn't enjoy the content so she cancelled it XXXX sent us a receipt confirming that they refunded the XXXX on XX/XX/XXXX. Which I have attached to this complaint also. 
On XX/XX/XXXX. AVA received the XXXX dollars they ILLEGALLY PROCESSED IN VIOLATION OF OUR CONTRACT XX/XX/XXXX. 
I have sent them the receipt from XXXX proving they refunded the XXXX on XX/XX/XXXX. And that I want refund for the XXXX don't credit my AVA account like they did with the refund from XXXX prime subscription XX/XX/XXXX. For XXXX dollars. 
That I want the XXXX dollars return back to my chase bank account that they illegally took violation of our contract my next due date is XX/XX/XXXX. Not XX/XX/XXXX. Or XX/XX/XXXX. I had a paid in full my last due date XX/XX/XXXX anything after that would go to my XX/XX/XXXX. XXXX not backwards to the XX/XX/XXXX. XXXX that has already passed but that's the scam & VIOLATION OF OUR CONTRACT they tried to do i attached the proof of them saying this in a reply email on XX/XX/XXXX. When I was emailing the trying to resolve this issue but now I'm retaining a consumer law attorney and sueing AVA FOR THESE VIOLATIONS I have provided in this complaint I wish for CFPB to make this public this is not the first time AVA has done this to my account that's why I always check my bank accounts DAILY this is how I caught this SCAM they did with my XXXXXXXX XXXX account and I know there doing it to other customers
Product: Payday loan, title loan, personal loan, or advance loan

I was offered this loan in a settlement program for credit card debt. They made it seem like this would solve all of my problems and get rid of all the negative marks on my credit. My credit score did go up however the terms and all of the fees of the loan I can not sustain. This was a predatory loan disguised. If I comply with the loan terms I will end up paying more than double of the money originally borrowed.
Product: Checking or savings account

I deposited two checks on Friday XX/XX/17 and they were put on a 12-day hold with a reason of " Check Was Not A Payable Item ''. I asked for an explanation as to why a check was not a payable item and they would not explain why the check was unacceptable. They told me to have the maker issue a stop payment and try again but if I do that they will issue an identical check with just a different check number. That will likely get rejected again. I need them to tell me what is wrong but they refuse to do so which is outrageous, awful service and indicative of a wanton disregard for the suffering of a client. Wells Fargo should be penalized by their regulator for this oppressive and abuse behavior and I will certainly recommend to everyone I know that avoiding Wells Fargo is a good idea.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding XXXX failure to resolve repeated disputes over inaccurate information on my credit report and am demanding immediate corrective action under the Fair Credit Reporting Act ( FCRA ). 

Despite numerous dispute attemptsincluding certified letters, emails to XXXX representatives and Board of Directors, and several disputes initiated in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX has failed to delete the incorrect information. In a phone call with XXXX XXXX XXXX, yesterday a representative from XXXX, I was informed that XXXX would not remove the data, arguing that the error stemmed from the creditor. However, as a consumer reporting agency, XXXX is legally required under FCRA 611 to correct or delete inaccurate information once it has been identified, regardless of the origin of the error ( 609letter Fair Credit R ). 

The FCRA mandates that XXXX reinvestigate disputed information and delete any item found to be inaccurate, incomplete, or unverifiable. Furthermore, under FCRA 611 ( b ) ( 5 ), deleted information can not be reinserted into my credit file without certification of accuracy from the information furnisher ( 609letter Fair Credit R ). XXXX must also maintain reasonable procedures to prevent the reappearance of any deleted information, as required by FCRA 611 ( b ) ( 5 ) ( C ) ( 609letter Fair Credit R ). 

Summary of Actions Taken : Certified Letters Sent by Mail : Multiple certified letters were sent detailing the dispute, with documentation substantiating my claims. 
Emails to XXXX and Their Board of Directors : Escalation efforts included emails to the XXXX, highlighting the error and requesting deletion. 
Phone Call with XXXX XXXX XXXX XXXX was told that XXXX would not delete the incorrect data, attributing the responsibility to the creditora reasoning inconsistent with the FCRAs requirement for consumer reporting agencies to uphold accuracy. 
XXXX ongoing failure to act in compliance with the FCRA has negatively impacted my credit profile. Therefore, I am requesting the immediate and permanent deletion of the disputed information, confirmation that it will not reappear on my report, and assurance of adherence to FCRA guidelines. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Santander USA - Vehicle was repossessed in XX/XX/XXXX. They reported it as a charge off XX/XX/XXXX. Santander has reported Failure to Pay monthly since repossession. When they first repossessed it, they updated the balance to reflect what was owed after they auctioned off my vehicle ( around {$6000.00} ). But since have increased the balance to what was owed on the original loan ( {$11000.00} ). They report a failure to pay monthly, causing my credit to continuously take a hit.
Product: Credit reporting

Seterus, Inc. ( XXXX ) falsified by credit report by reflecting no data for several months when I had paid every monthly installment due. When I was unemployed & could no longer pay, they modified my original loan to worse terms not disclosed. They continue to process payments extremely slow, attempting to cause late fees to be earned. In XX/XX/2016, I sent every payment certified, return receipt-it took a minimum for payments to be processed. They do not allow me online access to see any of my mortgage details. They are the WORST COMPANY AND XXXX pays them to be a provider!!!!! XXXX does not respond to any of these issues but MUST AGREE WITH THEIR BUSINESS PRACTICES..
Product: Checking or savings account

Initiated XXXX XXXX transfer payment on XX/XX/XXXX, XXXX for the XXXX and the next on XX/XX/XXXX. Chase Bank, back office cancelled the transactions without calling me to clarify the reason for the cancellation. They also froze my online access to my account. They were closed for Sunday, XX/XX/XXXX and left me without recourse till XX/XX/XXXX. 
They did not have the courtesy to call me back on XX/XX/XXXX, Monday. I had to call them on XX/XX/XXXX. 
What if it was a timely imminent life or death situation where I needed access to those funds? The situation would have passed and a death would have resulted!!! 
What if it was a timely investment opportunity? By cancelling those transactions, without calling me, Chase Bank would have caused me to suffer a loss of revenue due to their actions.