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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there 2 late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose. In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports. In accordance with the written instructions of the consumer to whom it relates Please remove this creditor has violated my rights.
Product: Credit card or prepaid card

On XX/XX/2023 I received an interest fee on a statement balance that I paid in full in order to not incur any interest fees and to zero out my balance. The statement balance was paid before the due date and they are attempting to make me pay an interest fee on an account that has been paid in full. They have also stated that their company does not waive interest fees after an account has been paid in full. 

Re : XXXX XXXX
Product: Debt collection

In late XX/XX/XXXX my wife and I changed wireless cell phone carriers from XXXX to another carrier. We agreed to pay an early termination fee of {$140.00} which we paid. 

On XX/XX/XXXX we received a collection letter from XXXX claiming we had a debt of {$140.00} to XXXX. My wife wrote to the collection agency and soon that company wrote back saying they were no longer pursuing payment on behalf of Verizon. In XX/XX/XXXX XXXX sent me a collection notice for {$140.00}. on behalf of XXXX. My wife asked them to provide validation of the debt. They wrote back to say they were no longer taking action against me. At this time XX/XX/XXXX McCarthy, Burgess , & Wolff collection agency is demanding XXXX be paid the same {$140.00} that we paid in XXXX. M, B, & W have placed an additional {$26.00} as a collection fee. I have dates and the amounts paid to XXXX for a full year and I can not find any thing that would disputes my claim, we do not owe XXXX any money for a debt that does not exist. I thank you for being a consumer financial protector and hearing my concerns. 
Respectfully, XXXX
Product: Credit reporting

In, XXXX I pulled my credit and found that I had a debt to the Ohio XXXX Courthouse. So I contacted them and paid all taxes owed and additional fees to remove the tan lien with XXXX XXXX courthouse, they gave me a receipt, a letter and verified it was paid in full and released and would be removed from my report in XXXX. 

In XXXX the credit bureau places on my credit a tax lein of {$290.00} on both my names and spouses. So I copied my letter and wrote to all three agencies asking them to remove or at least reflect paid in full. Instead of removing the nuts determined it was verified we owed XXXX but that it is not accurate as I have the orginial paperwork and contacted XXXX County records and Attorney General as you can also and they will share with you its paid. 

Regarldess in XXXX, I applied for a mortgage and it was on there again, It keeps going on and off I have disputed this atleast 3-4 times. I attempted to dispute this week online XX/XX/XXXX and I get a message stating that it can not be disputed 2 times, despite the fact they have proof it was paid and are reporting that I still owe this debt. I called both the Ohio Attorney General XXXX and collection and the XXXX XXXX Court Clerk of records Divison that reported that it should not be on my credit and they stated they were not reporting to the bureau, instead they claim that this is the bureaus error. 
I pulled my credit and it shows unpaid {$290.00} for a tax lien by XXXX agencies, in addition this debt was in XXXX/XXXX/XXXX and it has been reporting beyond the ( XXXX limit for paid tax liens. ( this is now 9 years that they bureau has been reporting this as unpaid when it was paid in XXXX ), below is the scanned proof. I am asking the bureau to remove immediately from both my credit and my spouses and send written verification they did so,
Product: Mortgage

I contacted XXXX banker who helped me with the mortgage on the existing house I purchased back in XX/XX/XXXX in XXXX XXXX. Since our family decided to move to XXXX XXXX, I contacted the same banker at XXXX to obtain another loan for the XXXX house and explained my plan to keep the current house till XX/XX/XXXX until my child finishes school here, then also be able to get capital gain exemption ( 2 years holding period ). To make a story short, XXXX banker told me and my realtor that the loan is approved, and we could remove loan contingency. Then a few days before our planned closing date, XXXX suddenly told me that I needed to lease my existing house for 1 year to get the loan. At that point, it was too late to do anything, and I was going to lose my deposit ( {$72000.00} ) if I did not purchase this house in XXXX. I had to sell all of my stock holdings in IRA to make enough cash to purchase the house so I could purchase the house and not lose {$72000.00} deposit. Now I have to pay for huge income tax and penalty on the IRA early withdrawal. XXXX or any financial institutions need to be liable when they " release loan contingency '' and do not fulfill their commitment to provide the loan. It puts us home buyers at huge financial risks and they need to be liable for any financial damages they caused by authorizing borrowers to release loan contingency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove inquieries XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX - Card Service Inquiry from XX/XX/XXXX + XXXX Credit Card XXXX. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # 's XXXX, acct # XXXX, acct # XXXX, acct XXXX, acct # XXXX, acct # XXXX, acct # XXXX, XXXX XXXX, acct # XXXX acct # XXXX, acct # XXXX, acct # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

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

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

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

Upon checking my credit report, I notice an account from XXXX that XXXX believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative accounts on my credit report. I 'm a  XXXX   XXXX  veteran, which suffer from getting help with certain services due to inaccurate reporting-which is hurting my credit scoring. After several requests to provide documents to validate the debt below, Ive been denied copies. I feel my rights under the FCRA have been violated  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$19000.00} Last reported  XXXX   XXXX  , 2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WI  XXXX  Balance : {$5400.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX , TX  XXXX  Balance : {$4400.00} Last reported  XXXX   XXXX ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$55000.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$23000.00} Last reported  XXXX   XXXX  , 2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$17000.00} Last reported  XXXX   XXXX  , 2017      XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  Balance : {$2200.00} Last reported date  XXXX   XXXX  , 2017    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Balance : {$840.00} Last reported date  XXXX   XXXX  , 2017
Product: Checking or savings account

Chase is holding my funds account number XXXX and XXXX, based on what XXXX XXXX XXXX from JP Morgans back office told me that " XXXX XXXX XXXX asked us to put a hold on your funds ''. I asked do you have a chase number, they said " no '' I asked for information and the XXXX XXXX XXXX  XXXX gave me this phone number.XXXX. When I called that number it was in fact XXXX XXXX XXXX 's Fraud check line. When i kept calling chase for a reason they keep bouncing me back and forth with untruths, telling me XXXX XXXX XXXX no longer had it, it was now in Fraud recovery and Loss Prevention. XXXX. When I called this number they told me it was with XXXX XXXX XXXX  again which is Chases Inner Global Securities and Investigations department. Back office again. So here I am getting nothing but disrespect. Treated like I did committed some crime, was under investigation for suspicious dealing or what ever they wanted to assume. I called XXXX XXXX XXXX XXXX MANY times and left recorded messages about the circumstances about my MOTHERS false claim on me, which began this closure of my accounts for {$35000.00}. All of my funds have been cleared since XX/XX/2017. So I am not given any reason, treated like a reprobate dog, not ever asked for me to explain or give evidence into what they are investigating. Chase is NOT OUT ONE PENNY AND I OWE THEM NOTHING!!! 
I realized my mother filed a claim against me 8 months after the fact and since she has had her banking records in a documented visit to B of A to go over all her past months statements and transactions. PLEASE SEE THE AFFIDAVITS I HAVE SENT TO XXXX XXXX XXXXXXXX. 
ALSO NOT XXXX XXXX  XXXX AS TO TODAY IS IN RECEIPT OF DOCUMENTARY EVIDENCE AND AUDIO /VIDEO 'S PRESENTING INDISPUTABLE EVIDENCE THAT MY MOTHER GAVE ME PERMISSION TO DO THESE TRANSACTIONS WHEN SHE WAS CRITICALLY ILL. 
I have sent 3 affidavits to XXXX  XXXX XXXX last week and there is Affidavit # 4 which I am attaching a draft of that will be faxed to Check Digital Frauds Claims department XXXX. They are also in receipt of a dvd with hard evidence that my Mother is not of sound mind now, and in her own voice gave me permission and authorization for the transactions now in question from her filing a false claim against me with XXXX  XXXX XXXX, long after the requirement and her documented knowledge of all these transactions. CHASE BANK HAS NO LEGAL RIGHT TO CONTINUE TO HOLD MY FUNDS AND I am attaching the 4 affidavits to XXXX XXXX XXXX so they can have more insight to the fact and clear up any delusions about wrongful actions on my part and unauthorized activity. I want my funds bank from Chase ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves more than one amount through XXXX. They have reported my accounts as delinquent on my credit report during the cares act. This has drastically dropped my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 
I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

2. Date of Last Activity.

3. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

4. Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between the company and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay that company. 
5. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt.

6. Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with the client that grants the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX information relating to the purchase of a bad debt is not proprietary or burdensome. 
7. Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. ) I must emphasize that, under FDCPA Section 809 ( b ), collection activity is prohibited until the debt is duly validated. The court ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirms that reporting a collection account constitutes collection activity. Please be aware that this is not a request for partial validation ; rather, it is a demand for all the listed information to constitute full and sufficient validation of this debt. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter.
Product: Credit reporting

I have notified Equifax back in XXXX of 2016 and even sent them a certified letter, which they received and signed for through the USPS, notifying them that the inquires that were listed on my credit file with their company was never authorized by myself, and that I wanted them removed immediately, if they were unable to justify that I gave these companies permission to pull my credit report with a document baring my signature. Equifax has failed to provided me such valid proof baring my signature that I authorized these companies to pull my credit report, and Equifax has also broken the FDCRA federal laws for reporting such fraud information on my credit profile. I have allowed them nearly three month to rectify this situation and they have refused to correct it. I have also notified each agency/company listed on the letter that I sent them and the companies have also failed to send me the information that I requested. This information is false and was not authorized by me and it 's affecting my credit rating and I want all of the inquires removed from my credit file associated with my social security number immediately!!!! I am trusting that your government organization will enforce the laws that protect us consumers!!!!
Product: Checking or savings account

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT I attempted to open a savings account with XXXX twice, once on XX/XX/XXXX and again, at their request, on XX/XX/XXXX. Both times I was declined. I received mail from XXXX dated XX/XX/XXXX that I was declined for the XX/XX/XXXX application due to information at ChexSystems. I requested on online a report from ChexSystems, which I received dated XX/XX/XXXX. All of the information from ChexSystems was correct, and matched what was provided to XXXX. On XX/XX/XXXX I contacted XXXX and requested more information. They advised me to resubmit my request. I did so on XX/XX/XXXX. This request was also denied. I followed up with XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX responded that I needed to verify my identity with ChexSystems. Although I am not sure of they date, sometime after this and before XX/XX/XXXX I called ChexSystems, which put my on hold several times while they reviewed my information but provided no resolution. They eventually sent me a new report, date XX/XX/XXXX, with the same information as before, with the additional inquiry from XXXX added. After receiving this mail I called ChexSystems again and was told they do not verify identity. On XX/XX/XXXX I called XXXX and was told the accounts were denied because of the response from ChexSystems, with no additional detail. on XX/XX/XXXX I called ChexSystems and was told they will not provide any details on the inquiries from XXXX and will only send the same report I have already received twice, which all has accurate information, and that I should check with XXXX as to whyI was denied. I am now at an impasse as both XXXX and ChexSystems are blaming each other an each refuses to provide any details.
Product: Debt collection

I have opened case XXXX with the XXXX in regard to Calvary Portfolio Services and their failings to comply with FDCPA guidelines. I raised a case with the XXXX after Calvary Portfolio services failed to answer my certified mailing for debt validation as prescribed under the FDCPA guidelines. I have sent written correspondence and also raised XXXX case, but this company is still reporting unverifiable inaccurate information. They initally stated that they did not get correspondence from me and only after providing my certified mail number did the state that they did send validation, which I never received. I would like to escalate this case and have legal action taken against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the companies to remove these unauthorized inquires and they say it is the credit reporting agencies responsibility. They are unauthorized inquiries.   They are listed below :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX .    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX . Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg.  Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg . Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Utilities   XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  .   EQUIFAX MORTGAGE SER  XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers,   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Mail Order Firms  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Mail Order Firms  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Complete Dept. Stores  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  Credit Unions   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  Telephone Companies WF  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 card or prepaid card

Capital One, an unfair organization, closed both of my credit cards which I had for over a year because couple of payments that I made did not get authorized by the bank. When I was receiving an alert after few seconds I was making the payment which was going through. To point out that was not the norm but an exception. 
On XX/XX/XXXX I processed a payment on both cards, on XX/XX/XXXX they closed my cards because they did assume that my payment will not go through and on XX/XX/XXXX they posted my payment made when they had already closed the accounts, without any warning or a letter. The fraud department that I had to speak to, was not professional at all.
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.