23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally raise a concern regarding the potential violation of my rights under 42 U.S.C. 407. This provision expressly protects Social Security benefits from garnishment, levy, or attachment by creditors. Specifically, 42 U.S.C. 407 ( a ) states : " The right of any person to any future payment under this subchapter shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this subchapter shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. '' Despite this federal protection, I believe my Social Security benefits have been improperly targeted or withheld by Discover Bank, and I request that the CFPB investigate this matter to ensure compliance with the protections guaranteed under federal law. 

ATTACHED IS DOCUMENTS FROM SOCIAL SECURITY** I look forward to your assistance in resolving this issue and appreciate your prompt attention to this matter.
Product: Vehicle loan or lease

This car needs to be removed from my credit profile cause it was paid in full wasnt a repo car neither
Product: Credit reporting or other personal consumer reports

Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. This is the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reason to believe I am being extorted by Transunion I checked my credit report and saw that I had fraudulently furnished late payments furnished by your company. I have never been late on this account. These fraudulently furnished late payments are and invasion of my right to privacy.
Product: Credit card

I was sent a letter from Homestreet bank that I was pre-approved for a credit card and that I could apply online. When filling out the online application I saw the offer for a balance transfer and completed the steps. When filling out the creditor information and the amount, there was no prompt that stated there would be fee or a recalculation of my total that included a fee. Today I received my first bill and saw that I had been billed {$130.00} for the XXXX balance transfers that I had completed. Right away I logged onto my online account to review the terms of the balance transfer, to my surprise the only option was to requested a mailed copy of them and wait 5-7 days. I then attempted to do another balance transfer to see if I would be informed of the fee at this point, the website says " Balance Transfers are subject to the terms and conditions, including applicable fees, as previously disclosed in your Cardmember Agreement and/or promotional offer ( if applicable ) made to you. '' This is very deceptive, it does not clearly state what the fee is, how it is assets or even if for sure it will be billed. It refers you to your terms and conditions, a document this company assumes customers will just keep on hand. I called the company and was told that they can not waive the fee because it is valid, that if I had called a spoke with a rep to do the balance transfer then I would have been told over the phone of the fee. Or if I pay off the balance transfer in 30 days then they would waive it. I will pay the fee, if I have to. I just want this company to do better, I think the way this fee is billed is not in a way that is clear to customers and that is not fair. No one should receive their first statement and be surprised.
Product: Credit reporting

Experian has still not provided me with the credit report I requested XXXX weeks ago. They can not be reached by phone or internet. And they seem to ignore mail.
Product: Debt collection

This dispute is not being submitted by a third party. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the : Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud Within 4 business days of you receiving this complaint. I am XXXX XXXX, a natural person and this is me physically submitting this dispute. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate Under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. Also, under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. Please send the following information used to validate the items below and show where I gave written permission to be on my credit report in the first place, otherwise delete them from my credit report immediately or I will seek monetary damages : 1. Account name : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account : XXXX Balance : {$880.00}
Product: Debt collection

I checked my credit report to see that Franklin Collection Service XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MS has been adding negative comments of collection to the 3 credit reporting agencies every other day. They know this drives down a credit score. I have never been contacted by this company -- do not owe them any monies and when I attempted to call they stated unless I could provide them with a payment they would not talk to me and hung up the phone. When I search the web, this apparently is their way of doing business as there are hundreds of complaints about this company. I refuse to give this company money just because they have a tactic to drive down my credit scores. I want them to stop this behavior immediately. They should be able to add negative comments just because they can. They are taking advantage of lots of individuals -- I know this is not okay behavior by any company. I am looking to this agency to stop their behavior.
Product: Checking or savings account

American Express advertised a business checking account offer in which XXXX Membership Rewards points would be earned after several benchmarks were reached. Making a deposit. Maintaining a {$5000.00} minimum balance. Completing five transactions. My wife ( XXXX XXXX XXXX and I each applied for separate accounts. 

Shortly thereafter, I noticed that a bonus tracker had shown up on the AMEX website that listed a XXXX Membership Rewards points bonus, rather than XXXX points. I reached out to AMEX and they told me that I am ineligible for the XXXX points because it was a targeted offer. 

The problem is that there was no language on the sign-up page indicating that this offer was targeted. Nor were there any prompts during the application process indicating that a lower offer would be provided to me. Since our application date of XX/XX/XXXX, American Express has added a terms and conditions page indicating that this is a targeted offer. However, that terms and conditions page was NOT present at the time of application. As such, it seems clear that both my wife and I should be eligible for XXXX extra Membership Rewards points after we complete the benchmarks. 

Here is the existing link to the application. 

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

My name is XXXX XXXX and I'm a Consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. My personal identifying information has been improperly used to furnish negative accounts on my consumer report. My credit file has suffered severe damage due to XXXX XXXX negligence and furnishing fraudulent inaccurate accounts, with no respect to the FCRA and fdcpa. Furthermore youre reporting is inaccurate, erroneous and fraudulent accounts, and without my prior written consent or authorization. 
Please see attached FTC report number XXXX for reference. See attached docs as it includes my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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. not later than XXXX business days after the date of receipt by such agency of- XXXX ). appropriate proof of the identity of the consumer : XXXX ). a copy of an identity theft report ; ( Report # XXXX. XXXX ). the identification of such information by the consumer ; and XXXX ). statement by the consumer that the information is not transactions made by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

" i have not provided proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, i presume that no proof of the alleged, nor therefore any such debt, in fact therefore exist. 

Fair credit reporting act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete that is innaccurate, incomplete or which cant be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to formally dispute the collection account listed on my credit report. Account number : unknown I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : XXXX XXXX XXXX Date of entry : XX/XX/year> Reason for Dispute : XXXX. I have not been afforded the opportunity to dispute the account in accordance with XXXX XXXX ( c ) ( XXXX ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. XXXX. XXXX XXXX XXXX has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXX. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under XXXX CER XXXX ( d ) and XXXX XXXX XXXX XXXX ( XXXX ) ( A ). XXXX XXXX XXXX is XXXX  disregarding consumer protection statutes. I demand that XXXX XXXX XXXX these egregious Legal Basis for Dispute : XXXX. Fair Credit Reporting Act ( FCRA ) : Under Section XXXX of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. XXXX. Fair Debt Collection Practices Act ( FDCPA ) : Under Section XXXX of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for XXXX : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Product: Debt collection

ILLINOIS DEPT OF REVENUE KEEPS RECYCLING TAX DEBT OUTSIDE THE S.O.L. EXPIRED AND TAX DEBT DISCHARGED IN BANKRUPTCY XXXX DISCHARGED ON XX/XX/2018. THEY USE HARVARD COLLECTION SERVICES AND XXXX, XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of education/Nelnet is showing everything as being paid good then out of no where they show one month with a green check then the very next month 90 days late. Then the next month is 120 days late. Then the third and final month is 150 days late. The math doesnt work. I am XXXX living on XXXX XXXX board XXXX. Im doing what I can but the dates showing late are the dates they said they were putting a freeze on student loans due to the COVID 19. On XXXX  which is attached they show 120 day late then 120 days late tgen 159 days late. This math does not work
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has continued to verify the XXXX XXXX account as accurate, I have attached the result of EQUIFAX Dispute dated XX/XX/XXXX. You can clearly see from original creditors payment history that the balance reported as of XX/XX/XXXX is ( XXXX ) however EQUIFAX continues to report a past due balance and the account as charged off. Remove XXXX XXXX account attached to this email because you are reporting a balance and a charge off that are not accurate based upon your own investigation. Furnishing incorrect information willfully on my report is a Violation of FCRA.
Product: Mortgage

Hi, I have paid off the mortage to Loancare company. This company is not issuing me a Lien release letter even after the loan is paid it off. This was paid off in XXXX this year. 
They said they have mailed it out but my Town Clerk, they have not received yet. 
I have been calling up them for last 3 months and till date they have not issued the letter. 
I have even told them I shall pay for the mailing charges and I want them to send by priority mail so that I can track the mail. 
I have called and emailed them with no use. 
I still dont understand what is stopping them to issue the Lien release letter even after been paid in full. 
I request you to kindly talk to them and even before raising this complaint I told them about 3 weeks ago that if they dont send it I will be reporting this to you. 
Even that didnt make any difference to them I suppose! 

Hoping you can reslove this issue for me. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to transunion and disputed several items on my credit report. They keep saying that the item is verified as being correct. Per the fair credit report act section 609 a 1a i have asked for them to provide me with original consumer contract with my signature on it or the account must be deleted. I open dispute the last one was on XX/XX/XXXX and it got closed out with no explanation. You can't up load anything to there website so i expressed mail them a letter on Saturday that they received on tuesday. I have sinced open up another dispute.
Product: Checking or savings account

The spots me feature they have I have deposits in my account and i was able to overdraft and pay it back I got a deposit and they took it away from me XXXX  days after I had a deposit hit my account to tell me that it not a qualifying deposit I've had XXXX deposits hit my account and on the last one they said that it's not a qualifying deposit so if it's not a qualifying deposit then why was it given to me in the XXXX  place I have been telling me a whole bunch of wrong information about this feature they told me that you can get this feature many ways with how many times you use your debit card with your deposits and much more then I was told to contact the supervisor that I was speaking with to give her a call back XXXX hours after she was investigating the matter and I could not talk to her they could not send me to her so if she was a supervisor then why would she inform me to give her a call back if I wasn't able to talk to her then they told me that it is updated every XXXX  days and that was only XXXX  days they have gave me the runaround then they have told me that I was going to get emails about the situation I have got not XXXX email from them about this matter and nobody can tell me anything
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct number XXXX states that I owe them {$1300.00} I dont know what this is please have them remove it.
Product: Mortgage

We have a loan with Bank of America and have been working since XXXX XX/XX/2014 to get the loan modified to an amount that is affordable. We have faxed income info, paperwork, made phone calls and no one returns the phone calls, we just get a notice that the loan modification request has been denied. They are not very personable and at this time we are in the midst of possibly losing the home, there are XXXX kids in the house and XXXX of them has a XXXX XXXX XXXX and is in need of the school system. The interest rate is way too high.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear To whom this may concern, I am writing to formally dispute the validity of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). 
I request that you provide me with the following documentation to validate the debt : A copy of the original purchase agreement or contract that clearly outlines my obligation to pay this debt. 
Evidence that you are legally authorized to collect this debt, including any assignment of rights or proof of ownership. 
Under 15 U.S. Code 1692g ( b ), all collection activities must cease until the requested information is provided and the debt is validated. Additionally, under 15 U.S. Code 1681e ( b ), you are required to ensure the accuracy of the information you report to credit reporting agencies. Please provide verification that your reporting practices comply with this provision. 
If you can not provide the requested documentation, I ask that you cease all collection efforts related to this matter and remove any associated negative entries from my credit report as required by law. 
Finally, under 15 U.S. Code 1681c, outdated or obsolete information should not be included in my credit report. If this debt is older than the reporting time allowed by law, I request its removal immediately. 
Please respond to this request within 30 days from the date you receive this letter. All future communication regarding this matter must be in writing and sent to the address provided above. 
Sincerely,
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

I have had a credit card for 7 years with Bank of America. A few months ago, my financial situation reversed and I started experiencing financial hardship. All my credit and loan accounts were notified. 
The rest of my credit cards ( {$12000.00} and {$15000.00} respectively ) are at 99 % utilization and behave as expected, you pay the minimum and the monthly payment goes down. This is not happening with Bank of America. My auto pay is set for the XXXX  of every month and has been since I opened the card. In the last three months, the payment for the XXXX doesn't process on time, so the card keeps assessing a late fee on the XXXX, rolls in the financing fees for the next cycle on the XXXX  and then processes the payment on the XXXX. This is the XXXX  month this has occurred in a row. I have reached out to them 3 times to fix this because the payments keep increasing. This month the payment is {$33.00} over the sum of its parts. 

{$100.00} was due on the XXXX. 
+ {$35.00} late fee assessed the XXXX, which they claim was not assessed. 
+ {$160.00} finance charge assessed on the XXXX. 
The total amount should be according to what thier customer service rep told me, {$260.00}, not {$330.00}. 
I can upload photos taken today on my Bank of America app with proof they lied to me on the phone telling me that it processed on time and I wasn't assessed a late fee. If that was true it would have not included the next cycle 's finance charges in my payment which is currently being processed today, XX/XX/. It would have processed on XX/XX/XXXX and posted to the app on XX/XX/XXXX. Leaving the new cycle 's finance charge to be paid on XX/XX/XXXX.