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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$360.00}, {$1800.00}, {$650.00}, {$1800.00}, {$2800.00}, {$1200.00}, {$1300.00}, {$930.00}, {$930.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

4. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account. 


-- CLOSED ACCOUNTS 5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

7. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account. 

10. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account.
Product: Debt collection

I opened a complaint against XXXX XXXX XXXX XXXX. Last month on XX/XX/2018 complaint number XXXX.Still I haven't got an answer from this Debt Collector about my DEBT VALIDATION LETTER, *** The CFPB closed this complaint based on their answer they Provided as it follows : " XXXX XXXX XXXX, Mc Calla Raymer Leibert Pierce and XXXX XXXX XXXX are not mortgage servicers -they are still vendors hired by mortgage servicers for the purpose of pursuing foreclosure and would NOT BE DEBT COLLECTORS under settled California Law.Morever XXXX XXXX  filled chapter XXXX bankruptcy on XX/XX/2018 is currently represented by bankruptcy Counsel.Any communication back to XXXX XXXX are complicated and possible prohibited by the Bankruptcy automatic stay allows for a legal respite from certain collections activities***.

I have to stay this debt collector lie and misrepresented to this Federal Agency, I'm attaching a media publication in which XXXX XXXX XXXX Admitted be a Debt Collector the 5TH page attached to the previous complaint in the third column top in the right it says : '' THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED WITH THAT PURPOSE '' Basically this debt collector is lie and misrepresented to the federal agency, and the reason I opened an new inquire is because they still send me this dunning letters the latest I received is from XX/XX/2018.

If the CFPB doesn't take action to stop this Outlaw Company I may file a class Action against them, with another XXXX people who had problems with this Company under the same circumstances, and I already started looking for information on the owners of this company to including in a separate legal action.
Product: Debt collection

Re : Maury Cobb Attorney At Law LLC Maury Cobb represents XXXX. They are trying to collect an amount that is not owed and they have not substantiated the charge. 
This firm continues to call and try to collect the amount without describing what the charge is for. They call using multiple numbers. They have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
When the representative calls, they demand personal information before they say who is calling and they do so in an aggressive and demanding tone. They immediately demand payment and refuse to accept that I am vigorously disputing the charge. Today, the representative very rudely demanded payment and threatened to notify all XXXX credit reporting agencies and they may have already done so. Today after I had tried to ask what the charges were for, the representative very abruptly said that he was not negotiating and hung up the phone.
Product: Credit reporting or other personal consumer reports

The following accounts are reporting on my credit report incorrectly. The listed accounts have been paid in full and should be reported as such to ensure that my report is 100 % accurate and in compliance with the Fair Credit Reporting Act. Accounts in Question : 1. XXXX XXXX Reported Balance : {$440.00} Account number : XXXX 2. XXXX XXXX Reported Balance : {$1300.00} Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to Barclays Bank mini of times indicating that this account was fraudulent I have also filed a police report a consumer protection bureau, And I have also filed a report with the federal trade commission ... ... under federal law because My identity and/or my Social Security number was used fraudulently under federal law Barclays must remove/ report This information to the creditors and remove this negative information off of my report under federal law Section 623 ( a ) ( 2 ).

Section 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters with all  XXXX  major credit bureaus in reference to an account they are reporting with  XXXX   XXXX   XXXX . Originally the creditor had the account listed as settled less than full balance that was not correct so a dispute was sent. I sent a letter to  XXXX  and they provided me with a letter stating the account was settled in full. I provided this to all  XXXX  credit bureaus but instead of correcting the problem they just added account meets FCRA requirements.
Product: Debt collection

This is XXXX XXXX XXXX and send XXXX records to XXXX XXXX XXXX XXXX, XXXX, IL XXXX for bills from XX/XX/XXXX So that my XXXX account can back to XXXX score. XXXX sent the bill to you XXXX in XXXX. That is when I started a second account and XXXX did not tell me what they were doing. 
In spite of this XXXX XXXX will contact you about this matter if it is not resolved within 10 days of this email. XXXX has relinquished my information with out my knowledge and if not done in written form, I will forward this matter to my legal advisor in Kentucky Please be advised to contact me about this concern A $ AP. My phone number is XXXX XXXX provider from financial care department XXXX in order to clear up this matter. 

Thank you Very much, XXXX XXXX XXXX, XXXX XXXX XXXX mobile ph
Product: Credit card

nordstom with them 20 years starting in XX/XX/2014 a bunch of stonewallers put notes not to refund my interest. you know POWER politicians this is just to show how many power people are ouf there. i asked for interest back now i was told no. i then closed my card and asked for the refund they say now they will not refund the interest but closed the account. this is what the enxt president has to take on. GREED like this. i know i will get a script answer its valid. oh yes its valid but my business for 20 years is valid. too. Banks will write off fees when you dont pay at all but bad banks will not help good customers. no answer will address this but publish nordstrom bank is greedy powerful politicians and i am done. also i will NOT be paying the unrefunded interest if i have to i will fight ya at the credit bureaus. keep your scripted answers to yourself I am done. its a greedy day in america they are willing to lose me over XXXX dollars of itnerest XXXX XXXX refunds me every month GOOD RIDDENS
Product: Student loan

On XX/XX/XXXX I received an updated payment count towards my Public service loan forgiveness in the amount of XXXX payments one month later I received an updated list and the servicer removed over 30 of my qualifying payments for no reason. I contacted them and they assured me they would review my account and my payments and yesterday I received an email with an update a payment count. They stole one years worth of payments from me. No one will answer why these payments all the sudden don't qualify my employment has never changed in 12 years and I'm always current on payments and submit my recertification yearly. The servicer is abusing people and their accounts you can't give me any excuse or reason as to why you stole a Year 's worth of my forgiveness from me
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint on behalf of myself. I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.
Product: Debt collection

This company has sent me no notice of any collection. This company has also tried to double dip and reported the same account twice to XXXX which now shows as 2 collection accounts as well as reported a date of XX/XX/2023 as a default date which I have no knowledge of.
Product: Credit reporting or other personal consumer reports

I have not been able to satisfactorily settle this matter with the CRAs. I have a late payment on my XXXX XXXX XXXX XXXX. I have never been late. This is an error. The account number is XXXX and the date is XXXX XXXX XXXX This is not the only error on my account either. There is inconsistencies throughout my report. For example : The Date Opened is inconsistent across all 3 bureaus. The High Credit is inconsistent across all 3 bureaus. The Last Reported is inconsistent across all 3 bureaus. The Date Last Active is inconsistent across all 3 bureaus. Finally, the Date of Last Payment is inconsistent across all 3 bureaus. I have provided documentation of this. 
My rights according the the FCRA and 15 U.S.C Code 1681e -Compliance Procedures- is to at a very least have 100 % accurate and consistent reporting to my consumer file.
Product: Credit reporting or other personal consumer reports

Hello. I received a check from XXXX XXXX XXXX XXXX XXXXXXXX. I feel that the company owe me more money. I have friends and family that only use XXXX for XXXX years and ive use them for 10 years and they receive a bigger settlement. Can some XXXX look into this matter please. Thanks!
Product: Credit reporting or other personal consumer reports

please remove all these inaccurate addresses and phone numbers immediately from my credit reports. i am not associated with these addresses anymore in any way and they are not correct. ive highlighted them in the attachments. 

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

Transunion Credit bureau has not removed an incorrect item from XXXX XXXX XXXX on my credit report. The other two credit bureau did a investigation and found the reporting in my favor and removed the item. But Transunion found it to be accurate. Why has the other two credit bureau removed this item from my credit report an not Transunion. It only took Transunion only a couple of days to come to this conclusion? Did they actually do an investigation in three days?
Product: Credit reporting or other personal consumer reports

I am applying for a mortgage to buy my first home this week. While applying I noticed a " delinquent account '' from XXXX on my credit report totaling {$280.00}. It significantly reduced my credit score and therefore puts my ability to buy a home at risk I briefly had a prepaid account with XXXX in XXXX for one month. I paid upfront and then canceled the account within the month with my payments in good standing. I also have a XXXX account in good standing. I do not recognize the {$280.00} charge, was never notified about it, and believe I never incurred it. 

I spoke at length with multiple XXXX customer service agents across XXXX teams about this charge. None was able to find it in XXXX 's systems or provide any documentation whatsoever about it. I also spoke with the debt collection agency XXXX  XXXX. They also failed to provide any documentation explaining the charge. Despite that, XXXX has refused to revoke its claim or even file a dispute despite multiple requests from me. 

I believe I am the victim of predatory and erroneous billing, with multiple large corporations holding my ability to buy a home hostage with no path to resolution other than paying them a bogus charge that I never incurred and that they can not provide detailed documentation to support. I am requesting urgent CFPB support forcing these corporations to correct their unfair and unethical practices, given their unfair and uncooperative behavior is standing between me and my ability to buy a home. 

My request is if XXXX can not immediately provide detailed documentation justifying why this charge exists despite the fact that I canceled this account with no balance and in good standing, to cancel this " delinquent account '' so that my credit score accurately reflects my credit history instead of XXXX 's predatory billing practices. 

I can be reached any time at XXXX. Thank you for your help.
Product: Checking or savings account

Back in XX/XX/XXXX I opened a TD Bank Beyond Checking Account online under the terms provided to receive a {$300.00} sign on bonus. I met all the conditions ( hold a opening balance of {$2500.00} for 60 or 90 days and maybe receive certain direct deposits, can't remember specifics ) and even waited additional few weeks beyond the conditions but still never received it. 

Eventually I went in store to my local branch to follow up and they acknowledged I met all the conditions but claimed that my account never actually signed up for the bonus during account creation and there was nothing that they could do for me. However, I have and provided screenshots of proof of registering online for the account and the url shows there was a promotional " coupon '' for the specific product applied to my account creation. I transferred my remaining balances including the initial {$2500.00} on XX/XX/XXXX out of frustration and subsequently closed my TD accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX agreed to manually delete tradeline reporting from credit Reporting agencies XXXX and Equifax. On XXXX XXXX I checked to see if it has been deleted and it still shows on my report which is hindering me for applying for a vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have an account on my credit report that is fraudulent
Product: Mortgage

My mortgage company increased my escrow payment more than they had to. I requested that they spread out my escrow increase over a longer period of time so that I could afford to make my house payment. They agreed to reevaluate and to get back to me with an updated payment. This was in XX/XX/XXXX. I did not have my updated payment information for my XX/XX/XXXX payment so I just sent in my regular payment amount. On XX/XX/XXXX, at the end of my grace period, I called Capital One, my mortgage holder, and asked them if they had my updated payment information. They were not able to give me an updated payment amount so I then asked the lady, her name was XXXX, since I was at the end of my grace period If I needed to make a payment over the phone to avoid a late fee. She informed me that because they were reevaluating my escrow amount I could wait until the end of the month to pay the balance and not have a late fee. A couple of days later I received notification of the updated escrow amount and I immediately made a payment on the balance due which they receive XX/XX/XXXX. I received my XX/XX/XXXX statement which shows they charged me a late fee anyways. I called XX/XX/XXXX to complain because they gave me misinformation over the phone, which a lady by the name of XXXX admitted to and then she proceeded to refuse to refund a late fee. The late fee is {$89.00} on a {$190.00} discrepancy in my escrow payment. I feel that I was intentionally misled or lied to by the representative on XX/XX/XXXX. She gave me misinformation and because they are not making good on their mistake I think that they were intentionally trying to charge me more late fees. I have an excellent payment history over the last 10 years with this bank of not making late payments. I had a couple of late payments towards the end of XX/XX/XXXX, including the one in question, which were both dealing directly with the problems I was having with them increasing my escrow higher than they needed to. In both situations they assessed a late fee even though I had paid my normal payment amount that I had been making over the last year. When I was on the phone on XX/XX/XXXX with XXXX I had the ability to make a payment over the phone that day and avoid the late fee. Because she told me that I would not be charged a late fee if I made the payment by the end of the year I decided not to make the payment on XX/XX/XXXX until I had the updated information. Had she just said that I needed to make a payment on XX/XX/XXXX to avoid a late fee that is what I would have done.
Product: Credit card or prepaid card

I received a bill from Synchrony bank for my Amazon.com store card in XXXX. I paid the amount due, I saw later the bill was received 2 days after the due date ( around XX/XX/XXXX ). I contacted Synchrony, using their automated system, it said I would be refunded the late fee of XXXX ( my total balance on the card was XXXX which was paid on XX/XX/XXXX ). I received another bill in early XXXX saying that I owed {$110.00}, including a {$38.00} late fee. When I contact Synchrony they said I had a missed payment of {$38.00}, since the {$14.00} was not enough to cover the XXXX plus the XXXX late fee ; even though the XXXX late was refunded. The balance that was supposed to be paid was apparently {$38.00}, which incurred a {$38.00} late fee. When I called and inquired about the late fees and the balances owed, they said I missed the payment that was due after the first payment in XXXX and that was the reason for the second late fee. Even though I never received a second bill, and the initial late fee charge was waived. Over the phone they told me there was nothing they could do, and the second 100 % late fee would be charged.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account numbers : # 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : 1.XXXX  OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with an accurate consumer. C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX  XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX - Account XXXX
Product: Debt collection

I hire privacy guard to find out why I ' m having credit issues and they send me notice that a Company call ( Convergent outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) register agent call XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX director XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never hair from them before but privacy guard send me notice they are posting derogatory information about me at will without any notice or explanation.