23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

An unauthorized auto-renewel for XXXX XXXX XXXX XXXX was charged to my XXXX XXXX account. Having a XXXX balance on this account, I wasn't aware of the charge until I received a past due notice. I called and spoke with XXXX XXXX and explained the situation. I paid for the " time used '' on the XXXX yr plan to date, and no longer had access to this XXXX service plan, but in the meantime it was turned over to XXXX XXXX 
I have gone round and round with XXXX, with actual reference numbers of phone calls and charges that I paid to XXXX XXXX and they will not drop this. This has been going on since 2019. XXXX told me " at this point, its about principal ''. I agree with them whole-heartedly, as I do not owe them any money because they stopped my service when I paid for the time used. 
Now it has been turned over to Resurgent Acquisitions where I can not actually speak to a real person. I do not know what else to do.
Product: Debt collection

This is tied to complaint : XXXX-XXXX  and XXXX-XXXX  The CLOSED and PAID XXXX XXXX account of XXXX was sold of to XXXX XXXX XXXX, who also DBA XXXX XXXX XXXX. 
This company wrong presented a paid debt settled with XXXX  as a NEW debt and Charge Off reported as XX/XX/2021. The phone number this company had on record from XXXX  was disconnected ( according to the XXXX  rep ) and the mail at their previous address of record returned. XXXX XXXX XXXX, XXXX, FL XXXX seems to be the only place to contact them. 

Once again, they not only reported a PAID DEBT as a NEW CHARGE OFF, they claimed that it happened in XXXX of 2021. Lies.
Product: Debt collection

Blitter and Gaines are trying to collect on a disputed debt that has reached the statute of limitation and trying to collect on this disputed debt from out of my state.
Product: Credit reporting or other personal consumer reports

Jp chase Morgan credit card opened XX/XX/year> XXXX filed police report, called all three credit bureau XXXX Spoke to chase filed several disputes. Have freeze on credit bureaus. Filed identity theft, gov. Disputed inquiries on credit report. Went to chase bank filed another dispute.
Product: Debt collection

I have contacted this Allied Collection and asked for proper proof of this debt and they have not provided. They basically provided a receipt of me staying there, no proof I owe this debt. I want this removed
Product: Debt collection

I had a Bill for {$5000.00} for the military exchange. This collection agency charges me {$14000.00} Ive sent the papers to you before. After it was paid they said, I now owe {$3000.00} in interest what was the extra {$9000.00} I paid for. I want them to Stop calling, texting, faxing and emailing my place of employment. Its on the verge of stalking and harassment in Michigan.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Wh

om It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I sent a debt validation letter approximately 30 days prior to receiving a response via USPS from XXXX XXXX. 

They claim I owe a debt to XXXX for {$470.00} In response to my debt validation letter, they responded with a copy of a past due bill from XXXX. 

This information is incorrect. I waited until my time period has expired for the early termination fee and confirmed this with XXXX. In addition, all bills were paid and nothing was due. 

This was removed from my credit report before when a different company was reporting it and now it 's coming back around again when it 's invalid.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : Account Name : XXXX XXXX XXXX  Account Number : XXXX
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX and 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: Checking or savings account

Chase bank is closing all my accounts with no explanation provided This is a big issue because they are ruining my excellent credit which Ive worked over a decade for, Ive been banking with them for over a decade I need help fighting this I dont know what to do and I am being treated unfairly They are not doing anything about it they simply say they are cutting the relationship with me This is going to ruin my credit and is hurting my life
Product: Debt collection

I sent XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) at letter on XX/XX/2023 & I never heard back from this company within the guidelines of the law
Product: Credit reporting or other personal consumer reports

I recently pulled my consumer report and noticed there are names, addresses, and inquiries that I do not recognize that leads me to believe I'm exposed to identity theft. I did not consent to this information being added to my consumer report. In Accordance with the FCRA : 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I went online and pulled my annual free credit report this included Transunion 's, XXXX and XXXX  information on my credit. I then disputed a number of accounts they listed were still open that should have been closed, i.e. XXXX  XXXX XXXX XXXX XXXX which is an account I closed on my behalf last year. Transunion and the others is showing that this account is still in my name. Also Transunion and the others is showing that I still have an auto loan with XXXX XXXX from XX/XX/XXXX. I disputed this online at their web site that this account is paid off and should be closed. When I checked Transunion and the others again this week I found that they did not correct the XXXX XXXX XXXX or the XXXX XXXX account and correct this infomation.
Product: Credit card

My XXXX XXXX XXXX XXXX XXXX XXXX credit card recently had a large change in terms after having paid the annual fee. After I found out about it, I called in to complain and was told that the card could be closed, but no annual fee would be refunded since it had been more than XXXX days since it was charged, but that as an apology, they would give me XXXX points, which is not even close to the value of the fee. I recently found out that the representative who spoke to me was either misinformed or lying, and that due to the drastic change in benefits, XXXX was indeed issuing refunds of the annual fee. When I called back, I was able to speak to a supervisor, XXXX, who said while he empathized with my situation, he could not do anything more. I summarized the situation for him that now I had to suffer the consequences for a XXXX error ( or a blatant lie ), and he agreed that that was the case and even said a complaint to the CFPB may be necessary as there was truly nothing he could do to close the account and refund the annual fee.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Debt collection

Hello, My name is XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because Credit Management Company, XXXX, XXXX, XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. Credit Management Company is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This accounts need to deleted, and permanently removed from the XXXX and XXXX credit file of XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ending XXXX XXXX XXXX Case : XXXX XX/XX/2023 To Whom It May Concern : This is in response to your letter dated XX/XX/2023. 

As stated prior, your public records are inaccurate. The addresses listed are not valid or on my credit file, and it appears XXXX XXXX XXXX, XXXX is not even a valid address to receive mail. Therefore I do not believe you have not had mail returned. 

I have repeatedly asked you to very your public record or else I will assume you can not prove this debt. And therefore, it should be removed. 

I would like a definition of public records and also verified with regards to my social security number and date of birth, both of which you do not list in your correspondence. 

I hear no thorough vetting on your online application, and anyone could have used your invalid public information. Further, my social security number has been compromised and I was the victim of identity theft, and have been attempting to rectify this for years. You were informed from CFPB and multiple FTC reports and police reports you choose to ignore. There were two other accounts that appeared from XXXX XXXX as well, which you did remove. None of the details were any different, so I dont know why you continue insist this one is valid. 

I was the above requests answered and the account removed from my credit file. 

Regards, XXXX XXXX
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, no consent is identity theft : Account : XXXX XXXX XXXX  XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX Note : HARD Inquiry : Finance Date : XX/XX/XXXX Inquiry from XXXX XXXX XXXX : HARD Inquiry : Finance Date : XX/XX/XXXX Inquiry from XXXX XXXX Note : HARD Inquiry : Finance Date : XX/XX/XXXX Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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

I did not give consent to any entity to disperse any personal or financial information to any other institutions or orginizations. These were posted to my credit report illegaly and vilolation of the law. these need to be removed. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15U.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.

15U.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 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

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report on XX/XX/XXXX and XX/XX/XXXX but I was ignored in my initial reach outs. When I did not receive a response I sent a a second letter and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.
Product: Mortgage

My mortgage is with Carrington Mortgage, I 've requested a mortgage modification several times. My rate is keeps going up and my taxes and insurance is n't escrowed. I do n't want lose my home to foreclosure, but Carrington Mortgage refuses to modify my mortgage. 
I would appreciate your assistance in this urgent matter. Please help.
Product: Student loan

First off, I am part of the automatic refund group in the XXXX v XXXX settlement for attending the XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX. The deadline to get my loans completely refunded was XX/XX/XXXX. 

XXXX XXXX refunded a small portion of loans that they were servicing - XXXX consolidation consisting of the last XXXX loans in repayment. I have XXXX total loans to the XXXX XXXX, none private, the rest were paid in full and were serviced by XXXX XXXX and then Navient. XXXX XXXX is now showing as my only loan servicer, they say that they do not have any of the other loans to the XXXX XXXX. 

I spoke with Navient and they have no record of my other loans. I called every other servicer who could potentially have had my loans at some point and talked to the Borrowers Defense hotline several times, they say they see that XXXX XXXX should have all of my loans as they are showing as my only servicer. I called XXXX XXXX back again and was intentionally disconnected saying there was nothing they could do they only see the XXXX loans that were already refunded. 

Navient is a complete mess and I have a feeling they still have my loans and are being dishonest and intentionally deceitful for their own gain. 

The DOE says their hands are tied and there is nothing they can do. I have filed multiple complaints with the assigned Ombudsman and directly with DOE with no response. 

My loans were discharged in XX/XX/XXXX. The DOE and Servicers have continually missed deadlines to provide refund relief under the settlement. I counted on this money and am now paying high interest loans that have had the grace period expire. I dont know who else to turn to aside from you or get my own legal representation.

Please let me know what I can attach that may be of help to you.
Product: Checking or savings account

Yesterday we deposited 2 checks in the ATM machine, there was no hold on the receipt.

Today I checked my account and discovered that the 2 checks are in hold until XX/XX/XXXX, because one of the checks amount was entered wrong. So they adjusted the amount and held both checks.

Called them to get my funds earlier with no luck.

We are self employed and fighting to pay bills and employees on time and its so frustrating that because of a stupid ATM error we wont have money to pay bills and my employees which also have his bills to pay. Been a good costumer, never had a check bounce, those checks are from old costumers so its known to them and I had bigger amount deposited before that didnt hold. 
So its clearly a ATM error! Talked to the manager and nothing could be done. I asked to release at least the check that was deposited in the corrected amount and she implied that once its in hold theres nothing to do.

I really think this system should work better. What is the point in being good costumer and loyalty if they dont care about your needs.

Im definitely switching to local bank. Im done with Bank of America after 20 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT. I SENT THE PROPER REPORT AND INFORMATION TO XXXX, EXPERIAN AND XXXX. THEY FAILED TO REMOVE ALL OF THE FRAUDULENT INFORMATION THAT WAS ON MY REPORT.
Product: Credit card or prepaid card

On XX/XX/2020 upon checking my account regarding my stimulus payment I discovered several fraudulent charges dating back to XX/XX/2020 with the last one on XX/XX/2020. The fraudulent charges totaled {$2100.00}. All of the charges were made with merchants in foreign countries, some even stating that they were in store purchases. I have never traveled to any of these countries & especially not during this pandemic! I immediately disputed the charges, requested a replacement card, & updated all of my account security information! The customer service representative that assisted me failed to document the correct charges to dispute & only disputed a fraction of them! I submitted all requested documentation along with verification that a police report has been filed! I have spent several hours over the phone with them on different occasions & was just told to wait the 10 business days for a provisional credit! I then received today, XX/XX/2020, an email from them indicating that my dispute claim has been denied and that they will not be refunding me my money! Some of the transactions totaling {$500.00} were refunded & placed back in my account! However, {$1600.00} is still gone! This is absurd, the transactions are blatantly fraudulent! I am a single mother of XXXX small children whom is unable to work at this time & desperately needed my money! 

On XX/XX/2020 I received a response from American Express Serve after submitting an initial complaint with CFPB & XXXX  regarding this matter! Amex serve indicated that they would re-review the dispute & requested that I once again upload a fraud acknowledgment form! I provided all requested information for a second time & waited the 10 business days again, only to receive an email from Amex on XX/XX/2020 stating that my dispute was denied! I dont know what else to do other than to seek legal counsel & advice with filing a civil suit to recoup my money! The charges are blatantly fraudulent, as it was impossible for me to be using my card in a foreign country while Im at home in California, US & I do not even possess a passport to travel outside of the US! I need my money returned! Im baffled that during these trying times with the pandemic that this bank can be so calloused & degenerative in regards to this matter!