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

It has come to my attention that, although I have written several letters, asking for validation of debt verification of debt audit trails I am not getting any response because of the automated system. These credit reporting agencies have in place, which is in fact, a violation. They do not have any permissible purpose for reporting any of these inquiries on my report. I am demanding these accounts be removed immediately off my credit report as it is in violation to the following federal constitutional laws. 

I am afraid these credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness and partiality, and a respect for the consumers privacy. I did not give consented these accounts, or permissible purpose. I have remain humble despite the stress abuse, and harm these three credit reporting agencies have done to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you in good health and high spirits. I am writing to bring a concerning matter to your attention regarding the living conditions in my current housing facility. I am currently enrolled at XXXX XXXX and require a suitable environment to study and live in order to ensure the successful pursuit of my academic goals. 

I regret to inform you that I have been facing severe mistreatment, theft, and verbal abuse from certain residents in my housing unit. Specifically, two residents named XXXX XXXX and XXXX XXXX have been unlawfully tampering with mail, stealing personal belongings, and subjecting me to constant verbal abuse. These repeated incidents have created an unsafe and unsettling atmosphere within the housing facility. 

As a dedicated XXXX, it is essential for me to have a peaceful and clean living environment where I can focus on my studies without constant disturbances or fear. The mistreatment, theft, and verbal abuse I have experienced have not only disrupted my daily routine but have also affected my mental well-being, hindering my academic performance. 

I kindly request your prompt intervention in addressing this matter and facilitating a transfer to an alternate housing facility where I can feel safe, secure, and able to concentrate on my studies. I believe that as a responsible authority committed to upholding justice and ensuring the well-being of individuals under your supervision, you will take necessary action to rectify this unfortunate situation.
Product: Credit reporting

I subscrib0ed to XXXX about 12 years ago telling them I could to have a CONTRACT because I would need to put it on vacation every winter because I live in AZ during the winter. I was told it was no problem. The first winter I did that they accused me of early termination and charged me {$500.00} I refused to pay it and disputed this charge. Nothing has changed. They keep sending it to different collection agencies all these years. This has been an adverse affect on my credit report and it still is showing up as a collection action. How many years do they have a right to do this? Once 7 years was gone, that should have been the end of it. I am not paying them anything for their false charges. Besides all of the above, each year the amount changes. first it was {$500.00}, then it was XXXX, now the last I saw from a new collection action was {$140.00}. They are getting nothing from me. Please make the agency correct this and get this blemish off of my record. Thank you. XXXX XXXX
Product: Debt collection

I have a time share with XXXX XXXX in XXXX. I am suppose to receive receive invoices every XXXX years. 
I received an email notice from Monterey Financial that XXXX had turned the maintenance fee plus late fees over to them for collections. 

I did not receive any invoices. On XX/XX/XXXX, I called XXXX at XXXX. I was told that 3 invoices were sent to my old address XXXX XXXX XXXX XXXX XXXX- I have not lived there for XXXX years. I was told that my new address in XXXX was there but it was as a secondary address. Interesting as my XXXX invoice was sent to my XXXX XXXX XXXX, I was told by XXXX at XXXX that there was nothing they could do to help me- even though XXXX said the wrong address was used. He told me to contact XXXX XXXX. 
I then spoke with XXXX at XXXX. She said there is nothing she can do to help me. She referred me back to XXXX. 
I called XXXX again and got XXXX again. I asked to speak with a manager. XXXX said there is no manager to speak with at his location. I asked to speak with his boss. He told me he could not transfer me to his supervisor. I said everyone has someone above them.. I said I wanted to be transferred to whoever was above him. He then transferred me back to Monterey Financial. 

The issue is the late fee. I wil pay the maintenance fee as owed, but feel I do not owe the late fee for an error made by XXXX  by not sending the invoices to my correct address. XXXX says I must pay in full in order to have no reporting. 
No one at either firm has told me I have he right to file a complaint with CFPB. 
XXXX does have my correct address, my correct email and my correct phone number but failed on all side to communicate with me prior to sending this item to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reporting my Loan as OPEN with balance of XXXX while I PAID it off back in 2020 and took a NEW finance with XXXX XXXX 
I called XXXX and asked them to fix it they claimed the account is PAID OFF and they REPORTED it to the XXXX XXXX while I still see it as open with XXXX balance. It damages my FICO 2 score for mortgage heavily!
Product: Credit reporting or other personal consumer reports

There are a number of fraudulent hard inquiries on my account for the following two companies : JPMCB Card and XXXX/AMAZON PLCC . These inquiries were not initiated by me and should be considered fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX  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 a account without my written instructions
Product: Checking or savings account

On XX/XX/22 my debit card account was charged for XXXX. On XX/XX/22 my debit card account was charged for XXXX. I contacted Chase Bank to let them know that the charges were fraudulent. Initially the cards were closed and the money was refunded. Then, on XX/XX/22 I noticed that the charge for XXXX was back. I contacted Chase Bank on XX/XX/22 and spoke with two individuals one stated that she was the supervisor. She stated that after completing an investigation the charges were deemed valid because XXXX sent documentation stating that my phone number and email address were provided and verified. My XXXX account was hacked by someone so of course they could provide that information. Chase Bank failed to properly investigate the fraudulent charges. I have never been to the state where the XXXX rides were ordered. I also have never given anyone my banking or XXXX account information. The supervisor stated that nothing could be done and that I needed to contact XXXX. I have tried contacting them multiple times with no response. I have filed a complaint against XXXX with the XXXX. IT was Chase 's responsibility to thoroughly investigate and they failed to do so. If they would have done so, it would have been proven that the charges are fraudulent. I closed both of my Chase accounts today on XX/XX/22. However, I would like a refund for the charge.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. It has documented and reported to law enforcement. Another fraudulent inquiry just hit my consumer report. I did not apply for anything. This is a act of fraud. This is the XXXX fraudulent inquiry in less than XXXX. I've locked my file with all XXXX bureaus in hopes to prevent this from happening again. The XXXX fraudulent inquiries are from XXXX XXXX XX/XX/23 and XXXX XXXX XX/XX/23. Please remove asap
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( CAPITAL ONE BANK, XXXX  XXXX  ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in connection with the CFPB complaints filed against XXXX, XXXX, and XXXX  on XX/XX/2020 Complaint numbers XXXX, XXXX, and XXXX for failure to provide proper documentation of a Wet Ink Signature contract with AMERICAN EXPRESS to validate the account reporting is accurate and confirmation there is a legal obligation to this company AMERICAN EXPRESS. I complaint was also filed against AMERICAN EXPRESS by the XXXX XXXX XXXX Complaint # XXXX for lack of professionalism, lack of full disclosure, and failure to provide Wet Ink Signature signed contracts to the Credit Bureaus or myself per section 609 of the Fair Credit Reporting Act. 
This particular complaint is because AMERICAN EXPRESS has not only violated section 609 of the Fair Credit Reporting Act but is now violating section 623 of the Fair Credit Reporting Act and Section 807 for Failure to Communicate that the alleged debt is disputed. 

As of Today XX/XX/2020, AMERICAN EXPRESS continues to report erroneous subterfuge on my person 's commercial credit report while under dispute. This is not only violations of FCRA, FDCPA, but Title 18 USC Fraud as well. The blatant disregard for Federal Law that AMERICAN EXPRESS is willingly choosing to ignore to violate my rights is causing me harm through my person which I may have to pursue legal action against them for Lack of Full Disclosure, Perjury, and Fraud with Scienter. I am keeping these records of communications in case I have to sue AMERICAN EXPRESS for willful non-compliance of Federal Law and violations of rights which will not only include {$1000.00} USD per inaccurate invalidated account but also {$10000.00} USD for every violation of Title 18. Please see attached screenshots for proof that AMERICAN EXPRESS is still reporting negatively without providing any contracts of proper documentation while under dispute. 

As stated by Attorney XXXX XXXX XXXX, of the FEDERAL TRADE COMMISSION, a printout of a bill or itemized document does not constitution verification. Also, without proper Wet Ink Signature contracts per section 609 FCRA, it is impossible to determine if the partial account numbers reported to the Credit Bureau 's are in fact accurate or not. Please see attached evidence per XXXX XXXX notifications that this company is still reporting which under investigation.
Product: Credit card or prepaid card

On XX/XX/XXXX my pc received a virus that caused me to take it to get repaired over a period of 6 days. During that period i was receiving numerous of fraud charges on all of credit cards that were saved on my computer. The banks that were affected were XXXX, XXXX XXXXXXXX XXXX XXXX and American Express. Every bank has resolved and refunded this incident except American Express, and there were 2 cards that had fraud charges ( delta platinum & delta gold ), a total amount of XXXX was charged on my platinum card and XXXX on my gold card all from the same merchant. American Express credited and refunded the XXXX on my delta platinum but did not credit the charges on the delta gold. All these charges took place back at the end of XX/XX/XXXX and it is now about to be XX/XX/XXXX. Every week they tell me they are still investigating the case and it seems they let these fraud charges post to my credit report affecting it very negatively. They never seem to provide me any information on the case and i need help!
Product: Debt collection

Collecto, Inc.DBA EOS-CCA at XXXX XXXX XXXX  XXXX XXXX, California XXXX is represented by Attorney XXXX XXXX and are in violation of the practices of the Consumer Financial Protection Board. This issue involves a XXXX XXXX XXXX bill of {$1200.00} that occurred on XXXX XX/XX/XXXX.During this time and without my knowledge the wage garnishments caused an extreme financial hardship to my family and me. Henceforth, I filed a claim of exemption with the civil Court and I had a hearing on XX/XX/XXXX. A judgment was ordered by the Judge that I pay {$100.00} every two weeks or {$200.00} every month. This judgment is to expire in XXXX and the case was closed on XX/XX/XXXX, XXXX.The Judge ordered that all previous garnishments be returned to the debtor, that XXXX XXXX and the levying officer be served a certified copy of the judgment order and that the levying officer shall notify the employer of any change in the Earning Withholding Order. In spite of being legally served, XXXX XXXX violated the Judgment order and instead he kept filing papers in Court and illegally adding on interest and attorney 's fees shockingly increasing the amount to oveXX/XX/XXXX In reality, the debt would have been paid off if only XXXX XXXX followed the Judge 's court order..To add to his unfounded actions XXXX XXXX is now having an exorbitant amount of money garnished from my account. XXXX XXXX corruption must cease and his illegal actions be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need Experian to investigate and change the information that they have. Experian refused to update their system on the exact amount that I owe this person. Every time I file an investigation to have corrections made. They will decline that investigation without sending it to the merchant. Experian is reporting the wrong information. 

About two years ago, I went on the XXXX search engine, I found this website called XXXX located may be in XXXX. spoke with a salesperson and we spoke about the product that they had. My first purchase from them was on XXXX for a XXXX ' XXXX XXXX XXXX. Once I paid for the purchase of the TV, was {$170.00} Shipping & Handling1 {$190.00} The scheduled Delivery is {$49.00} and the total price for that TV is {$1400.00}. I have been paying {$80.00} monthly for this tv since for the past 24 months. This company is still taking money out of my account. Also sending the Credit bureau Experian faults information about amount owe. Experian refuses to fight it either. I need help and last year I thought I was done paying them. I paid another purchase this time for {$710.00} the total price has been past 12 months I still see they have a balance of {$470.00}. They have this business and stealing money from consumers.
Product: Checking or savings account

When I joined this bank they told me absolutely nothing about hidden fees for not having funds in my account. There were also fraudulent charges on my account which I am disputing with them as well. I do n't believe I should be penalized for the mistakes of others. I reported the issue as soon as my account was {$0.00} at the beginning of the month. There are particulars that should have been explained to me when I joined. That were n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

A reaffirmation was signed and filed with the US bankruptcy Court on XX/XX/XXXX. US Bank is not reporting our payment history properly to the credit bureaus. They have reported our Mortgage as being closed. It is very much open and in good standing. Our reaffirmation is proof of that. We have sent three letters requesting US Bank update their credit reporting, and send us a full account history of our mortgage from XXXX XXXXto present. In there latest response dated XX/XX/XXXX. XXXX, they refused to update reporting and stated the information request was confidential, proprietary or privileged. Any such documents are not being provided. I being the mortgagee am entitled to information concerning my mortgage. There lack of reporting correct information has had derogatory impact on my credit. I have had to pay a higher interest rate on a new HVAC system. This is unfair credit practices.
Product: Checking or savings account

For more than a decade, I've been trying to open a new checking or savings account after Wells Fargo closed my checking account with a negative balance. Then, they hired a local law firm to sue me for the amount and additional legal fees. They aggressively pursued me ro the point of harassment by securing a default judgement & sought garnishment of wages & non-existent monies from banks I didn't have any account with.

All of this was caused by my then employer paid me for bereavement benefits when I traveled friom Arizona to Michigan because my dad died. I deposited the check & after using the funds I was informed my then employer pkaced a Stop Payment. This was an ilkegal action and part of a much bigger legal matter that was ongoing at the time.

I filed employment discrimination and a subsequent additional claim of retaliation for the stop paid check from the bereavement benefits I was eligible for, approved for, and then denied as I sought a reasonable accommodation per the ADA. My employer refused to provide the accommodation, refused to pay me for 8 months, & then falsely terminated empkoyment causing considerable harm and loss of medical care for XXXXXXXX XXXX XXXX XXXX XXXX, & MORE. 

As a result of Wells Fargo 's legal pursuit & petty vengeful action, I've been denied every subsequent attempts to open any account as well as having difficulty cashing any check received including during the pandemic and utility refunds. I am charged higher fees to access or use funds or other ancillary services like prepaid debit cards & frequently can not order rides through ride sharing companies because their algorithm flags my accounts higher risks. I believe that Wells Fargo has blackballed me causing other financial institutions as well as other services that rely on data from files tied to Wells Fargo are colluding to impose a barrier to equally participate as a person with multiple medical conditions causing XXXX and servere to have been given a 6 months or less prognosis.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, I've contact XXXX  regarding an account that no longer belongs to me. Because of a divorce, the judge granted full responsibility of an Recreational Vehicle financed by Huntington National Bank to my ex-husband. He was to be responsible for payments and management. I have submitted court documentation on multiple occasions to support that I no longer am liable for this account. I have submitted on 4 occasions, with no feedback regarding why they didn't remove the account or if they need additional information. When I attempted to contact Huntington National Bank, I was advised that I was no longer allowed to get information on the account. Then my exhusband claimed bankruptcy and claimed Huntington national bank in his chapter XXXX. Again, I tried to notify the bank that I was in disagreement with bankruptcy, and I was told that I no longer have responsibility to the RV. Our court paperwork, dictated we were not allowed to claim bankruptcy on martial debt, but somehow there was a loophole because he was granted full responsibility of the vehicle ... ..So therefore, I should'nt be held responsible for his poor finances and his inability to pay.
Product: Debt collection

Capital one has violated my rights according to 15 USC 1692g Validation of Debt. I am disputing account # XXXX. They are using deceptive means to try to collect the alleged debt. A company called XXXX XXXX XXXX tried to collect the debt and failed to validate the account. Also, Capital One Failed to provide notice that I can dispute the account and or file a CFPB complaint option on the letter they sent me. At this point it is inaccurate and needs to be deleted off my credit report immediately
Product: Debt or credit management

On XX/XX/23, I was contacted by Achieve Personal Loans by a representative advising me that I could obtain a better monthly payment rate on my active personal loan by refinancing. During the course of the conversation, the representative did provide me a disclaimer that a hard credit pull was required to provide me with a rate, which I consented to. However, after I consented to the pull, the representative advised me that the only refinance option was one that wouldve raised my monthly payment on a marginally shorter payment term, which is not what I was expecting based on their pitch. I am concerned that the hard credit pull will have a negative impact on my credit score and feel as though I was mislead by the representative for the purposes of paying for a different loan product. Achieve, as the provider of my loan, already had access to my banking information as well as my income, and should have been able to obtain all necessary information regarding my qualifications for refinancing via a soft credit pull versus a hard pull, to determine whether I was eligible for a better rate to refinance at.
Product: Credit reporting or other personal consumer reports

Please be advised that I am aware that you assumed a vital role to assemble and evaluate consumer credit and other information on me as the consumer. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! Congress requires you to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. Congress makes it clear that I have a right to PRIVACY as a federally protected consumer! You continue to violate and disrespect my right to privacy which is a direct violation of the FCRA and the gramm leach Bliley act! I did not consent or authorize for you, or the people mentioned below to use or share my nonpublic personal information. Please be clear that no consent or authorization id IDENTITY THEFT! Your willful noncompliance has resulted in identity theft which I demand to Cease and desist! Pursuant to 15 us 1681a ( 2 ) congress makes it clear that a consumer report does not contain any transactions or experiences. As a result, I am demanding for the following transactions and or experiences to be updated in accordance with my written instructions