23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First off, I tried to close my XXXX XXXX Account because of the terrible service and screwy billing, I also could NEVER access my account online due to a software issue on their end, so I could never use my bill pay directly to them. Well, after months of this XXXX I just called to close my account, The customer service agent I spoke to gave me a payoff amount to close the account, I asked if this was all inclusive amount? ( fee 's, interest, balance, everything ) I was assured it was. So I paid the amount and was glad to be rid of this XXXX credit card ... .little did I know that this was just the beginning, two weeks I get an email telling me the I still owed {$37.00}?! I contacted the customer service dept. and was told that a late fee was added onto the account, I told them I had spoken to the service rep and received a TOTAL PAYOFF amount so what was this XXXX? " Well Sir, the payoff was made two days after our billing cycle so this amount was added two weeks later '' and because I closed the account they would not remove the late fee even though they reviewed the phone call to the service rep and agreed that I was " misinformed '' by the rep. " However Sir, there is nothing we can do to remove this fee ''. Because I closed this account this was their last chance to rip me off one last time. So what? I hire a law firm for {$38.00} bill due? or do I just tell everyone to NEVER GET A WOMEN WITHIN Credit Card. Even when youre right, this company will XXXX you over {$38.00} bucks just to pad their wallets. I would give them a minus Star if I could.
Product: Checking or savings account

On XX/XX/2022 XXXX XXXX XXXX XXXX made a check deposit to me and my husband 's checking account. The check was for XXXX XXXX dollars made out to my uncle from a settlement with XXXX and XXXX. My uncle XXXX XXXX is currently incarcerated serving time in XXXX XXXX correctional facility at the moment. I have power of attorney over my uncle and was instructed to deposit the check into our account and use the money freely as he has no use for anything. i signed and deposited the check the ATM accepted it and Capital one cleared the check with different disbursement dates. Later that evening my husbands and my checking account was restricted and frozen. when I spoke with capital one several times, they instructed they would not XXXX restrict our account until they spoke with my XXXX XXXX XXXX which isn't possible. I need this resolved as the money is just sitting in the account and my husband and I have no access to our personal checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your reinvestigation results and found that you are still reporting inaccurate and unfair information. Your company stated that the information was verified.

Pursuant to 15 USC 1681 ( a ) ( b ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ).

It is your grave responsibility to report accurate and fair information. 


Please provide me with your method of verification. Under me requesting your method of verification, I want to know who you spoke to. I want to know if this information was factual. I want to know who you interviewed and who you got it from. You did not interview my neighbors, friends, or associates. If you did, I want their exact name and address and I want a detailed description of what happened. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Ive been denied credit because of what youre reporting. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof as requested, you must DELETE the account listed below. By law, you have 15 days to respond. 

ACCOUNT : Creditors Name : XXXX XXXX XXXX Account Number : XXXX Please delete Creditors Name : XXXX Account Number : XXXX Please delete Creditors Name : XXXX Formerly XXXX Account Number : XXXX Please delete Creditors Name : XXXX Formerly XXXX Account Number : XXXX Please delete
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsability to report Consumer information to the best of their ability with Maximum Accurancy. I have never been late on payments for the account ( XXXX ) ; ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late, Thanks.
Product: Credit reporting or other personal consumer reports

You violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n
( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the co

urt may allow. I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Please remove the following inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I must refinance my home by XX/XX/2023 ; consequently, if the closing does not take place by this date, I will lose my home of ten years. Due to an outstanding debt, there was a lien on the title of my home. While ( successfully ) negotiating a debt settlement amount, the debt collector sent me a letter/notification stating, " Upon receipt and clearance of your payment in the above amount payable to this law firm, we will forward to you a Satisfaction of Judgment '' ( please note the fourth paragraph of the attachment ). 

My payment, which was wired to the law firm, was cleared and posted the same day. Following three days of no news I contacted the law firm and was informed, " The Satisfaction must be recorded by the clerk of courts office ''. Moreover, " That process takes 6-8 weeks minimum to complete ''. 

On the advice of my mortgage company, I have made numerous attempts to contact this law firm to obtain an original Satisfaction letter so that I may hand deliver it to the Courthouse and have them immediately record it so that I may obtain a book and page number to satisfy the mortgage company ; I have received no response. I am being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to a bar and was later charged {$300.00} on my XXXX visa for services I did not receive. I complained at length to the manager ( s ) present and later via multiple phone calls to useless corporate stooges, but could not resolve the situation. On the XX/XX/XXXX, I filed a complaint with Visa and XXXX. They told me that the charge was reversed but months later changed that decision saying I had a chance to " inspect '' the product up front before paying ... which is untrue ; they make you pay up front. After nearly a year of writing letters to every conceivable part of XXXX, I threatened to close all of my accounts ( savings, checking and three credit cards ) until they addressed this. They still gave me nothing but repetitive form letter responses. I indeed closed those accounts with a balance still pending and STILL got no response. They then " charged out '' my account and trashed my XXXX credit rating. I filed multiple complaints with Experion and the XXXX with little to no results. I want my credit rating back!!! Thank you!!
Product: Credit reporting or other personal consumer reports

I have been disputing accounts between all 3 major credit bureaus. Some of the time and investigation is never even completed, just states there was one and was settled the very next day after disputing, stating information is correct. This makes no sense because, for example, I have disputed main accounts for credit cards with invalid information and had that account removed, however the collection account associated with that account that also has inaccurate information gets left!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX  XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX/XXXX - Account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These accounts have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Mortgage

X/XX/2017 went to Chase Bank to request amount of HELOC full payoff. Bank employee called as I waited and gave me amount of payoff, {$90000.00}. Paid that amount in full at that time. Was subsequently charged an additional {$470.00} as " interest and fees ''. They can not adequately explain this. I wonder if they do this to everyone paying off a HELOC hoping customers are confused. How can I be charged " interest and fees '' if I pay the loan off in full?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the Accounts listed below has violated my rights. 

1. XXXX XXXXXXXX  XXXX 2. US Dep ED XXXX 3. US Dep ED XXXX 4. US Dep ED XXXX 5. US Dep ED XXXX 6. US Dep ED XXXX 7. US Dep ED XXXX 8. US Dep ED XXXX 9. US Dep ED XXXX 10. US Dep ED XXXX 11. US Dep ED XXXX 12. US Dep ED XXXX 13. US Dep ED XXXX 14. US DOE / XXXX XXXX 15. US DOE XXXX XXXX XXXX 16XXXX XXXX XXXX  XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX XXXX XXXX XXXX 23. XXXX XXXX XXXX XXXX XXXX 24. XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX 27. XXXX XXXX XXXX XXXX  XXXX 28. XXXX XXXXXXXX XXXX XXXX XXXX 29. XXXX XXXX XXXX 30. XXXX XXXX XXXX  XXXX 31. XXXX XXXX XXXX XXXX 32. XXXX XXXX XXXX XXXX 33. XXXX XXXX XXXX 34. XXXX XXXX XXXX 35. XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to have these inquiries removed from my credit report. 

They aren't attached to me in anyway. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/year> and the amount {$450.00} XXXX they said someone remove money from my account and its was fraud and try to dispute the transaction and they froze and close my account without even letting me know why.
Product: Credit reporting or other personal consumer reports

Lexis Nexus is providing false information as to whether or not I was involved in an auto accident. My father was involved in an auto accident I was not. This is affecting my insurance payments and my job. 

The dates provided are XX/XX/
Product: Debt collection

I get no joy from trying to score points. I am simply trying to write a wrong that was done to me and my business. This week XXXX XXXX wrote I did not like the final XXXX decision. The problem is, the XXXX sees the loan as forgiven, but the bank does not. Yesterday the XXXX wrote on my behalf the following to Wells Fargo on my behalf. ___________________________________________ Good afternoon, Please see your borrower 's request below for a Reconsideration Review and respond to him accordingly at XXXX. Review of the file shows the application was submitted to the XXXX as Approved in Full by the lender, but the borrower received less than full forgiveness. At this time the borrower does not have the right to appeal this decision as an XXXX Final Loan Review notice has not yet been issued. If there are other underlaying complications with this file, please respond and explain these to your borrower if you have not done so already. 

Or, if this was simply an error on the borrower 's forgiveness application, as the borrower requested less than full forgiveness in the amount of {$20000.00}, you may submit a payment correction request on the borrower 's behalf through the XXXX Platform at this time. 

Thank you, ___________________________________________ We have reached a stage where the bank has intentionally misrepresented the facts or failed to " inform '' the XXXX of their decision properly ; but either way they collected on a loan without standing. Please respond to this letter by letting this case proceed though the XXXX appeals process or offer a settlement. If you are having a hard time locating files as the bank tries to respond to this case again, please check out XXXX XXXX XXXX XXXX XXXX XXXX. Please note this should not be necessary as the bank has already spent 8+ hours on the site. It should be noted there are new audio files that further support the long 22 page case, but that is not the point to day. Please note all responses should include an explanation of why my XXXX requests in XXXX where simply ignored.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX2022 I made several large deposits to Coinbase from a personal account of mine. I had XXXX as CASH assets in my account. I purchased crypto currency, a few days later Coinbase took my assets. I want my initial investment returned, or up to the amount they are FDIC insured for.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent activity that has appeared on my credit report I has come to my attention that my personal information has been used in unauthorized financial transaction and I am requesting immediate removal of the fraudulent items from my credit file this matter is of upmost urgency as it is affecting my financial standing and can lead to further harm if not addressed promptly.
Product: Credit card or prepaid card

Destiny credit card, aka Genesis card services offered me a settlement to pay off my account and I accepted it and made the required payment. When I noticed it was still showing I balance I contacted a 3 credit bureaus and filed disputes, Based on the dispute I received back they are denying their was a settlement and today I received another invoice from them and their website is still showing a balance due. Now in a complete turnaround I called them back and they acknowledged the settlement offer and told me to ignore future statements, but they are still reporting to the bureau that I have a balance due and reporting new late payments.
Product: Credit card or prepaid card

During a Timeshare presentation on XX/XX/2023 at XXXX XXXX. The sales consultant I sat with for 9 hours used predatory lending practices on me. I arrived at my XXXX XXXX  appointment to ONLY listen to the presentation with the intentions to not purchase anything. As soon as I sat down with XXXX, I told her I was unemployed, my dad had just passed away and I wasn't buying anything. She went on and on asking me about my upbringing, my personal relationships with my sisters and my children. She told me that she she's herself in me. I'm afraid to live, she stated how us XXXX people live in fear and don't want to take chances and invest in real estate. She stated that purchasing a timeshare would allow me to own real estate, I will receive a deed and I can pass it down to my children. Out of nowhere the man who gave the presentation rushed over, gave me tissue and started talking about how I can use the timeshare as an XXXX and generate income. I believe he the one ran my name for the credit card because he commended me on my credit score. I've never heard of Barclays Bank. There is no reason for me to need a Barclay 's credit card. This account is not mine. I explained to XXXX that I could not afford a timeshare and that was not a smart investment. After sitting with her for 9 hours, she called a friend of hers & told him, " I found your wife! '' She also invited me on a trip to XXXX. We mostly talked about my personal life. I still don't quite understand timeshare and I most certainly didn't sign up for a credit card. XXXX used predatory lending practices. She dug deep into my pain, and used that to prey on me and my emotions. I felt as though I was in a therapy session revealing my skeletons and talking about my childhood and broken relationships. I've emailed. I've called, I've also disputed this credit card with all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX  Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent. 

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file. 

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future. 
Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Mortgage

My home owners insurance has not been paid by XXXX and it defaulted XX/XX/2021. This is the second year in a roll my insurance lapsed by more than XXXX weeks the insurance company has sent XXXX the bill XXXX different ways since XXXX and still isn't paid or consulted with insurance company. The insurance company isn't sure they will even reinstate my policy after it being past due so long and with all the problems they've had from XXXX.