23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter dated XX/XX/2018 from FCR Collection Services ( FCR ) indicating that I owe {$250.00}. FCR is trying to collect payment for textbooks that were leased ( and not returned ) by someone using my stolen credit card number. I notified my bank when fraudulent charges appeared on my bank statement and XXXX XXXX  removed the charges and cancelled my credit card. I have made two phone calls to FCR explaining the situation. One call was placed in XX/XX/2018 and the other call was placed on XX/XX/2018. FCR requested that I give them my email address so that they could send me an affidavit form to refute these cards. Instead of sending an affidavit form I am receiving monthly emails requesting payment. The latest email is threatening to have may account placed with a law office to pursue collection.
Product: Vehicle loan or lease

I have reached out to you stating that I've never had a problem with payments. XX/XX/2018 was the 1st time I've ever had any issues. You extended my payments claiming this was the best way so it wont be reported due to my good paying history. The address I have, which is a p.o box is the same p.o box I've been using since the beginning. I agreed to allow you all to extend my loan so I wont be reported. Now here it is XXXX, and I mailed off the XX/XX/XXXX payment XX/XX/2018 to the same address one of the representatives gave me. I have a copy of the letter that was mailed XX/XX/XXXX, along with my full address. If there was a problem, I would have gotten it back a long time ago considering today is XX/XX/XXXX. I see that yall have added extra charges to my account that is not awarded because I have proof, just like I did in XX/XX/XXXX that I did indeed send it. I have receipts, picture of envelope at post office with the correct address that was given to me the day of sending it. Apparently there is no problem with the address, and if it was, why would the representative give me a false address. I want to be treated fairly, and not to be made to continue getting an extension or whatever it's called, just to continue pushing my maturity date up. I feel like since my letter has not returned, that it's just being held knowingly, just so you can tell me you dont have it. Well someone has it because it was not return to the address that on the letter. I would like this resolved without you all putting extra charges on me when it's not my fault. I would like to see the right thing happen, despite the credibility that you all do not have for being fair. I XXXX XXXX, have proof for everything within this complaint to show that I did pay before the 10 day grace period was up that is given before late charges are applied. I pray that this matter can be resolved in a respectful and just manner. 
XXXX XXXX
Product: Credit card

I spoke to Citizens Bank in regards to an old credit card that I had with them and that was eventually paid off, XX/XX/XXXXXXXX  for {$320.00}. It is marked correctly on my credit report as balance settlement. The issue is when I went to Citizen 's Bank on or around XX/XX/XXXX, I was notified by the teller that I still owed {$710.00}, for the credit card, which should have been deleted from their system once the settlement was made. I was also advised that somehow I still owe the bank around {$430.00} between two old checking and savings accounts. I was unaware these accounts were delinquent and had I know this was an issue, I would've included it in my XXXX  XXXX Bankruptcy plan. I was with Citizens Bank for nearly XXXX  years into adulthood, and the issue of the bank accounts was always a computer error on their part, when they authorized a payment of {$370.00} when I cancelled the entire payment series, causing my account to have issues at the time, sometime XX/XX/XXXX.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised Promises.
Product: Debt collection

I was contacted by a company called Asset Recovery Associates last week while I was traveling for work. A voice mail was left for me to call back a " XXXX XXXX '' about an important matter but it was very vague. Upon calling back, I spoke with XXXX XXXX who explained that he was calling about a credit card account I had back in 1993 when I was in college which was now up to $ XXXX. He said that even though it was way past the statute of limitations, it was going to court and I was going to get my wages garnished and this was my last chance to resolve it voluntarily. I said I wanted to speak with his supervisor and I began speaking with XXXX XXXX who said I had a choice of paying a settlement of {$2100.00} or I can pay {$300.00} per month but that would mean paying a total of $ XXXX. I said I was traveling for work and had to call back. 

2 Days later while on my way back home at the airport, I get a call from someone from my office telling me that a XXXX XXXX called, saying he was calling on behalf of the XXXX county court and that he was an attorney and that my wages were going to be garnished!!! He told this to some at my office. 

Furious, I immediately called back was treated in a very mean and unprofessional way by this undereducated thug. I insisted on speaking with his boss, XXXX XXXX got back on the phone and told me that my wages would be garnished. She bullied me into a {$1400.00} settlement. Fearing that more calls would be made to my place of work, I gave authorization for this payment and I now regret it. I have an attorney that is going to be suing them but I want to warn other people to BEWARE of this horrible company that misrepresents, lies and uses fear to steal money from people on debts that are no longer valid. 

They are located in XXXX XXXX, ILThe number that comes up on caller ID is XXXXI was told by attorney that this company has been sued 19 times for this type of thing. I want my {$1400.00} back and I am going to get it. I NEVER file complaints but once my place of work was contacted, I felt compelled to do so.
Product: Bank account or service

PNC BANK ALLOWED XXXX TRANSACTIONS TO MY CHECKING ACCOUNT THAT ALSO HAS A DEBIT CARD. THESE TRANSACTIONS WERE COMPLETED BY SOMEONE IN XXXX. I HAVE REQUESTED THE BANK FOR A PRINT OUT TO WHICH IT IS ON FILE. AT THE SAME TIME MY MOTHER KNEW HOW TO FILE A REPORT WITH XXXX SO THAT WAS COMPLETED THIS AM. I DEMANDED THE BANK TO PUT THE FUNDS BACK INTO MY CHECKING ACCOUNT THAT TOTALED {$740.00}. PNC IS ONE OF THE LARGEST BANKS AND TO THINK THAT THEY ARE NOT ON TOP OF THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove accounts and inquires
Product: Vehicle loan or lease

My Vehicle Wasnt Work Properly Instead If them Fixing it the gave me the run around so I ask for surrender for the car
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, that no consent is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried confirming to see if Sage Stream has Opt me out and put a Freeze on my account but no response back within last 60 plus days. Since no mail or email, I decided to put freeze in and opt out again last week
Product: Debt collection

Never received a bill for anything suddenly company is hurting my credit with Derogatory charges.
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 168XXXX. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

onXXXX XXXX XXXX, XXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX XXXXXXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX. 

i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX  did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX acc # 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 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 record of conviction 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

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 : Dept of Education/XXXX Account number - XXXX Account name : XXXX XXXX  Account number XXXX XXXX Account name : XXXX XXXX XXXX  Account number - XXXX Account name : XXXX XXXX Properties Account number - XXXX These accounts have 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 : 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 reporting agency if the person knows or has cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/20 while checking my bank account, I noticed a charge that I did not authorize. There had been the same charges attempted twice in XXXX, but Wells Fargo blocked the attempted charges and alerted me and there was no adverse action against my account. However, on this occasion Wells Fargo honored the charge which left my account with a negative balance for the amount that was honored by Wells Fargo. I filed a dispute with Wells Fargo for the transaction in question. But there were other charges for bills that I authorized that were processed before the fraudulent transaction. I have a linked savings and checking account with Wells Fargo. Although I was reluctant to deposit any funds into my checking account, due to the outstanding fraudulent charge, I deposited an amount that would cover the 2 charges that I did authorize to cover those transactions. Additionally, I deposited a large amount into my savings account expecting that Wells Fargo would reverse the fraudulent charge by the end of the business day. Wells Fargo 's policy regarding linked accounts is that they will cover charges from checking account overages with funds in a linked existing savings account. However, there was no need to enact this policy for my account because around XXXX XXXX on the same date ( XX/XX/20 ) I transferred a large amount from my savings account into my checking account even though the fraudulent charge still appeared, and the issue was not resolved. I did this because I was expecting other bills that I had paid to be presented for processing. On XX/XX/20, my account was charged 2 separate fees of {$35.00} each, totaling {$70.00}. Wells Fargo 's explanation for the assessment of these fees was for insufficient funds in my account when the 2 charges I authorized to be paid were not paid due to the fraudulent charge being honored before those. I feel this is an unfair and predatory banking practice in order to generate revenue for Wells Fargo. Wells Fargo selectively paid and processed this charge to assess fees.
Product: Credit reporting or other personal consumer reports

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a written dispute to Equifax on XX/XX/XXXX. It was confirmed received on XX/XX/XXXX by Supervisor representative XXXX ID # XXXX on XX/XX/XXXX. 

As of XX/XX/XXXX, I have not received notification of my dispute results by electronic mail, USPS mail or otherwise. I called in to inquire about this on XX/XX/XXXX and spoke with 4 different representatives who all confirmed and acknowledged receipt of the dispute as XX/XX/XXXX.It was processed by their office on XXXX XXXX and according to their records all creditors validated the accounts as accurate all on the same day of XX/XX/XXXX, and they also mailed me a copy of the results on XX/XX/XXXX. It would appear highly unlikely that 11 account holders would respond on the same day and results would get mailed on the same day of response since it took almost 2 weeks for my dispute to get processed. Please note : I have not received a copy of that response and verified my mailing address as accurate. 

Even if this information is true, my dispute was confirmed received on XX/XX/XXXX. It has exceeded 30 days as required by FDCPA guidelines to respond to my written request for validation and therefore must be deleted. 

I called Equifax on XX/XX/XXXX and explained this to several representatives who all refused to have the disputes removed from my report. This is gross negligence and in complete violation of my personal rights. 

In addition, there is a Bankruptcy that is being inaccurately reported on my credit report from XX/XX/XXXX. I have reached out to Equifax on 3 different occasions to have it properly investigated and removed as it does not belong to me along with numerous accounts that are being reported as written off in bankruptcy. I'm being told that it has been verified through XXXX XXXX which a 3rd party used by the court system to verify this account. This is 100 % inaccurate as I have a letter from XXXX XXXX stating that my information is not reported by them to anyone. A copy of this letter has been supplied to Equifax and has gone completely ignored. I have attached a copy of this letter for your review. 

At this point my rights have been violated on several instances, I have spent hours on the phone with representatives who disregard are either uneducated on FDCPA guidelines or totally disregard them. I have provided evidence that the bankruptcy validation source is invalid and asked for them to provide me with a copy of the validation received and have denied access to my records.
Product: Student loan

I have spent the last 3 months trying to get in contact with MOHELA customer service but have gotten nowhere. Every time I call, no matter what time of day, I am told to wait for a basic representative which usually takes 1-2 hours. Then if I am able to get in contact with one, I tell them what I need and they say they have to transfer me to an " advanced customer service representative '' as they are not able to do anything themselves. Then I am on hold for another couple of hours. I have yet to speak to an " advanced customer service representative '' because the hold times are so long that I either have to hang up or they close and never get back to me. This has happened every single time I have called. Now I have overdue payments. I am actively trying to do something about them, but it is made impossible when there is no way to get in contact with a person who can actually do something about it. No adult has the time to sit on the phone for 5 hours everyday until their loans are figured out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts have violated my rights : Dept. of EDXXXX XXXX XXXX sectioned into 18 accounts ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXy XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXXk XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing XXXX XXXX  to my name and good character as well as my overall credit capacity