23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim regarding the above-mentioned account, which you claim I owe {$520.00}. 

I requested that you provide me with a copy of any viable evidence showing the account is being reported accurately. 

I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount. I am also requesting the record that reflects the process by which my signature was generated/executed. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

I will also provide a copy of this letter to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Debt collection

There was no contract for services, as this phone service was prepaid and not contractual. They stopped service for non-payment however continued to charge fee for NO service!
Product: Debt collection

*Received notification of debt dated XXXX from Phoenix Financial Services Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IN XXXX # XXXX PHX Acct # indicates XXXX On their form indicated " Write for and ask for the name and address of the original creditor-we must stop collection until we send you that information. You may select the form and check the box to send me name and address of original creditor '' On XX/XX/XXXX I wrote to them and filled out their form asking for information, 4+ months later I have received nothing around the original creditor nor detailed information. 
The " alleged '' debt is from over 2 years ago and I have not seen any communication nor details as to what comprised this " alleged '' debt. Just a notice which states you owe X.
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 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. ' 15 U.S.C 1681 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 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 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX : Account Number : 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 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: Checking or savings account

Unfortunately, I have been a victim of fraud and my information has been compromised on the dark web. I was recently incarcerated from XXXX of XXXX until XXXX of XXXX. When I was first incarcerated I had well over $ XXXX in cash in my account, along with personal, as well as business credit cards associated with this account. Upon being released from my incarceration my accounts were closed and there were no funds available in my accounts. I informed the bank that there was no way that I could have made transactions at this time of my incarceration and somebody had assumed my identity during this period ; additionally, I provided the bank with proof of incarceration and documentation illustrating these facts. However, the bank still has not released my funds and have denied my claim stating that I had made the transactions or given someone permission to make these transactions. This is untrue as I have not given anyone permission to access my accounts and funding. The bank has defrauded me out of my monies and has yet to restore me back to whole after I have been disputing the charges extensively. So much so, they have been irresponsible and have recently sent out more then one debit card on my new account causing me to be victimized again through fraudulent tactics. Additionally, the bank fails to properly communicate with you during the dispute process, destroying your credit, transferring you around to extensive offices and the staff fails to take adequate notes ; whereas, you have to be redundant stating the same facts after being on the phone for hours disputing fraudulent charges.
Product: Mortgage

After loan was paid off on XX/XX/XXXX, I call on XX/XX/XXXX to servicer US Bank to inquire on escrow balance and refund due. I was informed the escrow amount of {$1700.00} which is due to me and that it would take 20 days for me to receive. This is an unreasonable amount of time, if late charges usually are assessed for late payments for less time. why should I wait for this amount of time after loan has been PIF? During this time no way for me to earn interest of these funds on my own personal savings account. This puts the consumer in a disadvantage to invest or use their moneys for their benefit.
Product: Credit reporting

Yesterday I was trying to get my credit reports using www.annualcreditreport.com. I was successful getting my reports from XXXX and XXXX and was able to view those reports multiple times on their websites however, while getting my report from TransUnion online I had forgotten to save it before moving on to get my report from XXXX. I had contacted by telephone the customer service line of TransUnion and was rudely told I could not view my report anymore times for free. He told me that I must pay to see it again now or wait another year to see it It is important that I 'm able to view all XXXX of my reports due to me needing to submit documents to my attorneys for an upcoming bankruptcy filing. Is there anyway that I can retrieve it now like I can from XXXX or XXXX?.
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my credit report and have noticed the following inaccurate accounts. These incorrect accounts are negatively affecting my credit rating and causing me unnecessary financial strain XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX  or LoanCare on XXXX statement they stole {$120.00} from my escrow account.This is not first time when they stole my monies.The {$120.00} did not go go for tax city or home insurance.I have checked this in city hall.I would like to know where went my monies.
Product: Credit card

On XX/XX/XXXX. I logged into my account app and it said account restricted after a {$600.00} payment posted and nothing else was told other than restricted and XXXX credit available when I called they told me the account was closed and I would never receive a letter in the mail as to why the account was closed. I was also told the reason that it was closed was too suspicious activity on my account, I was just using my card. I went over my limit, but I immediately made a payment as mentioned above of {$600.00}. I believe they closed my account because my credit score to XXXX and a couple days later it jumped back up to XXXX. This was nowhere mentioned to me, and I believe this account should stay open
Product: Credit card or prepaid card

I am disappointed as a current Discover card customer with regard to their response to dispute XXXX. It is as if the representatives I had contacted through their chat and via the dispute page did not even read my dispute thoroughly or misunderstood the reason for my dispute. My most recent interaction was today XX/XX/XXXX. My prior chat interaction before that was on XX/XX/XXXX. The dispute was opened on XX/XX/XXXX. The last representative I contacted with Discover misunderstood the dispute as me needing to be charged an additional {$260.00}, but I was in fact disputing due to being overcharged {$260.00} from using the card as the remaining cash down payment funding for my XXXX XXXX motorcycle purchase from XXXX XXXX XXXXXXXX. They misunderstood that I was already refunded fully and made whole from the {$1000.00} credit that the store did issue for one of the charges made there ( which is explained further below ). I was left without resolution due to incompetence along with my case being closed despite attaching all the clear evidence I had including the bill of sale indicating the remaining down payment was for {$730.00}. The store charged my card {$1000.00} two times as the sales representative indicated their system was not working properly at the time and I was given assurance I would be refunded if I was overcharged ( this did happen ). The store did refund me one of the {$1000.00} charges, but the remaining {$260.00} that was owed to me is still outstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company picked up furniture sold it and put it on my credit report that not one payment was made. Account was sold to a collection agency who dont have no info on it..
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX XXXX on XX/XX/2016 they reported a late payment by error.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, This is my final request regarding the removal of the inaccurate Fair Collections & Outsourcing ( FCO ) account ( # XXXX ) from my credit report. In CFPB complaint # XXXX, I notified FCO of several violations of my consumer rights under the FDCPA and FCRA. These violations included the failure to validate the debt, failure to provide proof of licensure to collect in Texas, and inaccurate reporting of payment history on a collection account, which is explicitly prohibited. I also included an invoice for damages caused by these violations. However, FCO failed to pay the invoice and responded only by claiming a " cease and desist, '' without addressing my request to remove the account due to its inaccurate reporting. 

Since that correspondence, the original creditor has confirmed that I am not listed as a primary owner of this account and could not validate the balance reported. This further demonstrates that the account is unverifiable and inaccurately reported. I am demanding the immediate removal of this account from my credit report. If this issue is not resolved promptly, I will be forced to pursue legal action. Your company and its owner XXXX XXXX has a pattern of unlawful debt collection practices including the settlement in which FCO was required to pay XXXX due to violations. This company is not credible, and I will use my consumer rights to fight this in court if this account is not removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit Bureaus, XXXX and equifax on several times regarding some accounts reflecting on my reports that were fraudulently open and do not belong to me. I have sent many letters, complaints and called on many occasions to remove these accounts listed below that are hindering my credit. I am fed up. I did not open these accounts and I should not be punished for this. 

1.Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 3.Account Name : XXXX Account Number : XXXX 4.Account Name : XXXX XXXX XXXX Account Number : XXXX 5.Account Name : XXXX XXXX XXXX Account NumberXXXX 6.Account Name : XXXX XXXX  Account Number : XXXX 7. Account Name : XXXX XXXX Account Number : XXXX I WOULD LIKE THESE ACCOUNTS DELETED FROM MY REPORTS IMMEDIATELY. THANK YOU
Product: Consumer Loan

I am completing this because I could not add to my existing complaint XXXX. 

1. I never received the written response from One Main that was sent to your agency. 

2. I did close a new loan combining the XXXX loans on XX/XX/2016. The interest rate is as it should have been all along. 
I was given a check for XXXX. I was told that I would receive a separate check reimbursing me for all the interest I was charged and not as promised. After closing the loan I have not been contacted. I have received only correspondence on changes to loans. 

3. I believe that interest should have been deducted and that amount should have been financed. 

4. What are their intentions regarding the interest. 

5. I spoke to XXXX in Customer XXXX for One Main. She is the person who contacted me and facilitated the offers. She and the branch manager told me I would get a separate check for the interest in question. XXXX also mentioned I would get something for my treatment and duress. When I called her later she told me she was leaving and the only thing I would get is the interest payment. The branch manager stated that it would take time to calculate what was to be given back to me. I believe his name is XXXX. 

I have a document that I would like the CFPB include in my complaint. I would like fax to send in. I can not seem to attach to this document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted  XXXX  regarding an upgrade on my cellular phone. I asked if I am to upgrade will it be a soft pull or hard pull. I mentioned if it is a hard pull I do not want them to pull my credit the woman insisted it would be a soft pull and will not show up on my credit report. Well I 've just reviewed my credit report and it 's showing as a hard pull. I contacted  XXXX  behind this matter and they 've insisted once again they only do soft pulls. I am extremely upset regarding this.
Product: Credit card or prepaid card

My credit card with CARE CREDIT gave me six months with 0 % interest. I made all of my payments on time, in fact before the due date. After the six months, I was billed for the interest that were supposed to be 0. I called and was told by the agent at Care Credit that they saved the interest in a bucket and just added it to my bill at the end of six months. THAT IS DECEPTIVE. They clearly told me six months of no interest
Product: Mortgage

I am working with Freedom Mortgage on a refi that they have with my existing home. I have asked and called and begged to close on this property. We were schedule to close in XXXX. We decided to move to a 30 year mortgage and were told no problem. We were then threw into a " recovery '' department that does nothing but sit on a file. I have a loan consultant, XXXX XXXX, that we have asked to speak with numerous times and left countless phone messages for with no response. We finally went back thru underwriting were scheduled for closing today XX/XX/XXXX at XXXX. When we had no one show for closing and 1.5 hours later I called to ask why, I was told that closing was cancelled and no one informed me. The reason we were told we were cancel was because we were missing a document. OK, then call and tell me what document or call and tell me we are rescheduling. This is becoming burdensome. I think they say get the cheap interest  and then they play you along until they can raise the interest. Interest has dropped since we started this in XXXX and we were told we are locked in until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL CRA CONTINUE TO REPORT ACCOUNT NOT MINE AND NEVER DONE BUSINESS WITH " XXXX  XXXX XXXX XXXX '' ACC # XXXX AND ACCOUNT OUTDATED REPORTING VIOLATED " FCRA '' SECTION 607,609 AND 611
Product: Credit card or prepaid card

InXX/XX/XXXXI entered into a Debit Management/Repayment program with XXXX XXXX   XXXX of XXXX NY. I included the credit cards I wanted them pay and make arrangements with. Key Bank was one of them. I began paying a lump sum of XXXX to cover all creditors including a payment of XXXX monthly to Key Bank in XX/XX/XXXX. My payment is debited from my account on the XXXX of every month and dispursed by CCS of XXXX. Key Bank has been receiving XXXX a month since XX/XX/XXXX I called Key Bank inXX/XX/XXXX at the request of XXXX and asked them to change my due date to the 25th. Key Bank indicated they would. To date they have not. XXXX payments continue to be " late '' allowing Key Bank to change me XXXX a month for a late payment. They also continue to charge me my interest rates and other fees. They have reported me to the Credit Bureaus as late and this has affected my credit score negatively. I have called XXXX of XXXX numerous times and with concerns that Key is not honoring the credit agreement and by all accounts has not entered into the agreement with me and has not adjusted anything to accept the XXXX a month as paid. CCS has advised me not to pay extra money to Key and to let them handle it. To date, they have not handled it and the situation is spiraling out of control and my credit rating is taking a beating because of it. Key Bank will not work with me over the phone or via mail. They call every month and make demands for payment despite getting my XXXX a month from XXXX. Key Bank claims they have no record of any agreement. XXXX claims they sent the agreement and that Key bank is notorious for doing this to people. I asked if I should pay the extra amount to keep my out of the collections calls and to keep my credit report positive and they advised me not to pay Key any additional money. As a result my credit score has taken a dive. All XXXX will do is say they drafted the agreement and are holding up their end of it, they are not responsible if Key Bank does not do what they are supposed to. XXXX advised my to seek held through the Attorney Generals office and FTC. I turned to CCS for help before my credit rating became damaged and because of their inaction and in my opinion, false promises, my credit rating has dipped. I need this situation fixed ASAP and Key to repair my credit report. This has been a nightmare credit wise.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I both lost our jobs due to Covid19. So we requested a Forbearance only for 60 days under the Federal CARES ACT on XX/XX/2020 via telephone and I followed up with an email on XX/XX/2020. I was told not to worry you are approved by the customer service representative. I received a letter dated XX/XX/2020 stating were approved by Porsche Financial and were advised that our next payment would be XX/XX/2020. I have since then made my payments to bring my account up to date. However, Porsche financial has reported me 30 days late to the credit bureau. I disputed this with the credit bureaus and I called Porsche on XX/XX/20. They said that I was granted the forbearance after my due dates per the letter they sent me. I told them I was given verbal confirmation on XX/XX/XXXX that I was approved for a forbearance and this letter was sent after the fact as confirmation. The representative said there is nothing he can do. It is the way our computer system works. I am requesting this late mark be removed from my credit report. Porsche Financial is not following Care Act guidelines during this national emergency.
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. 

XXXX XXXX XXXX XXXX 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 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 reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt