23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a 100 % XXXX us veteran who filled out a XXXX in the state of Michigan to be exempt from property taxes my mortgage company will not honor it even though I have the documentation proving exemption and XXXX, they're charging me taxes on my loan and will not honor the state law.
Product: Debt collection

XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than XXXX years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Checking or savings account

On XXXX I deposited 2 checks totaling {$900.00} into my corporate account at Bank of America. This was at the branch located at XXXX XXXX XXXX XXXX, XXXX, OR. 
I wanted to pay myself back some money that I had loaned the company, so I wrote myself a check for {$400.00} and wanted to cash it. 
I was asked by the teller if I had a personnel account at Bank of America. I told him that I did not, but was the signatory on the corporate account. He said that without having a personal bank account, that he had to charge me {$8.00} for cashing the check. I could withdraw {$400.00} cash for free, however. I said that I wrote a check in order to document my withdrawal from my corporate account. Nevertheless, he said that he would have to charge me. So I withdrew {$400.00} cash and left. 
If I write someone a check from my corporate account, that means that I want to give them some money that I'm holding at the Bank of America. The Bank of America is holding MY money. I don't care whether the person has a bank account there, I want them to have the full amount of the money I pay to them. Not everyone has a bank account, and they shouldn't have to. 

I believe that this {$8.00} fee is unfair to both my corporate account, and the person that the check was written to.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed that your collection agency has reported this debt. It is my understanding that under the FCRA, a creditor or collection agency must have a permissible purpose to furnish information to consumer reporting agencies. The permissible purposes for such reporting include, but are not limited to, situations where the consumer has provided consent or when the reporting is related to a legitimate business transaction. I dispute the accuracy of the information you have reported and question whether your agency had a permissible purpose to furnish this information. If your agency did not have a permissible purpose as required by FCRA 604, I kindly request that you take immediate action to remove this entry from my consumer credit report. I also request that your agency provides written documentation of the permissible purpose under which this information was reported to the consumer reporting agencies, including any evidence of my consent or a legitimate business transaction between me and XXXXXXXX XXXX including the original contact between me and XXXXXXXX XXXX within 15 days of receiving this dispute. Failure to comply with the FCRA 's requirements may result in legal action being pursued to protect my rights under the law. It is my expectation that your agency will conduct a thorough review of the permissible purpose and take the necessary steps to rectify this situation promptly.
Product: Checking or savings account

On XXXX I Filed Claim with Chase Bank regarding the release of {$2400.00}, posted to our account on XX/XX/XXXX to an unidentified " depositing bank '' who released {$2400.00} to a party not the payee of the check... .all of which was unauthorized by us the maker of the check. 

On XX/XX/XXXX Chase Bank Claims Dept acknowledged our check claim, stating two major points : ( 1 ) " The bank that accepted ( our ) check is responsible for repayment.

( 2 ) " It may take 90 days or more to resolve '' ( a copy of this notice can be provided for verification ) On XX/XX/XXXX Chase Bank Claims Dept Update, stating two major points : ( 1 ) " As we explained when we opened your claim, the depositing bank is responsible for repayment. '' ( 2 ) " If we haven't heard anything from the depositing bank within 90 days of the date of your claim submission, we will close your claim and your funds will not be recovered '' ( copy of this notice can be provided ) On XX/XX/XXXX Chase Bank Claims Dept Update : the emphasis again is, " If we haven't heard anything from the depositing bank within 90 days of the date of your claim submission, we will close your claim and your funds will not be be recovered '' At this point in time, I can only conclude from these brief notices that Chase Claims Dept is only interested in closing the claim in the 90 day period and not as was said in the notice dated XX/XX/XXXX, stating, " It may take 90 days or more to resolve ''. 


In a future communication ( s ) I can provide CFPB with additional information, copies of which support the above. 

Thank you
Product: Checking or savings account

I recently opened an account with Citibank on XX/XX/2021. I attempted to transfer {$4000.00} from an external account on XX/XX/2021 but for some reason the transfer failed. Citibank keeps attempting to deduct {$4000.00} from my current balance. Everyday the balance is something different ; for example on Sunday XX/XX/2021 the {$4000.00} was missing from my account. On Monday XX/XX/XXXX it was there, and on Tuesday XX/XX/XXXX, it was missing again. The balance changes without me doing anything. I called a representative on Sunday XX/XX/XXXX and he blatantly lied to me stating that my money ( {$4000.00} ) would be at the external account by Tuesday XX/XX/XXXX ( this has not happened ). Moreover he tried to shift the problem at the other account when the issue clearly exists with Citibank as the balance changes every day. It is quite traumatic to notice {$4000.00} missing in your account and no one can seem to help from that institution.
Product: Credit reporting

I have disputed an account on my credit file numerous times and I 've been informed by the credit reporting agency that my account was investigated and that the item remained unchanged from the processing of the dispute. The account was included in a Chapter XXXX bankruptcy in which was discharged on XX/XX/XXXX. The credit reporting agency is using that date as the date of recent balance in which will place the account on record until XX/XX/XXXX. The date of last activity for the account was in XX/XX/XXXX. So therefore the account has to be deleted from my credit file according to the Federal Credit Bureau guidelines. I also made contact with the creditor and they stated to contact the credit reporting agency to have the old account removed from their records. I have made numerous requests to have the old account deleted from my credit file. However, the credit reporting agency has failed to respond to my requests.
Product: Credit card

My name and social security was used to open numerous credit cards and loans with various banks. XXXX and XXXX has release me from being responsible for these account. However, Barclay refuse to file as a fraudulent account because of the retracted conversation in 2014. However, XXXX XXXX is the person who contacts Barclay concerning the account in my name and two other family members. They have not sent me a copy of the application and procedure of how identity was proven to them when requested. They refuse to talk to me about the case and stated that it is closed from their end. I do n't know how they accepted and approved an application fraudulently. I was told to go online to access further information on this account. However, I can not access anything because I do n't have any information on this account- no credit cards or statements.
Product: Debt collection

Repeated and unwanted calls. False debt. Calls from XXXX numbers ( XXXX ) XXXX & ( XXXX ) XXXX. They are based in XXXX XXXX listed under EGS Group.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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: Debt collection

Fair Debt Collection Practices Act This law was established to ensure that consumers are treated fairly by debt collectors. All kinds of personal and household debts are covered in the law, including automobile loans, medical expenses, credit card debts, and more. However, the law does not apply to businesses collecting their own debts. The Act provides the following protections : It prohibits debt collectors from using abusive, deceptive, and unfair practices such as : Using abusive language or making threats. 
Using the telephone to annoy you. 
Contacting you at inconvenient times or places. 
Misrepresenting themselves to you. 
Threatening a lawsuit or other action that the creditor does not intend to take. 
Collecting more from you than you owe. 
It establishes the procedure for debt collection : First, within five days after the debt collectors initial contact with you, the debt collector must send you a statement of the amount you owe the creditor, and what action you can take if you dispute owing the money. 
Second, if you send a letter within 30 days disputing that you owe the money, then the debt collector can not make further collection efforts until it sends you proof of the debt. 
Third, the debt collector can not collect for any debt that can not be verified. 
It limits debt collector contact with third parties ( except to locate you ). 
It requires that if you owe several debts, the money you provide must be applied as you wish. 
Investment retrievers placed an acct on my credit report without my consent. Also has called multiple times during times that I'm at work I asked to be removed from their system as I do not have an acct with them. They have called and threatened me saying they are in the middle of filing a lawsuit. They are a third party agency collecting for XXXX funding and they both have an account on my credit with two different amounts and Repos. They are affecting my credit and life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, account number XXXX. XXXX XXXX {$1900.00} Closed Unverified. 
XXXX, XXXX Account number XXXX. XXXX XXXX {$4400.00} Closed Unverified. XXXX XXXX, Account number XXXX {$430.00} Closed UnverifiedXXXX  XXXX Account number XXXX {$370.00} Unverified U.S. Dept of Education Account number XXXX {$1700.00} Never attended that XXXX  Unverified XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Unverified XXXX XXXX XXXX Unverified XXXX XXXX XXXX Unverified In accordance with the fair credit Reporting act XXXXAccount # 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 cunsumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : 1 ) Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, time 30/60/90 Days Late and amount past due. 
2 ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : letter XXXX, Proof of Inaccurate, ID, Bill, SSN
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Recieved unsolicited offer containing predatory unconsienable interest rate with deceptive bi monthly payment a deceptively advertised as monthly interest rate rate = { XXXX XXXX XXXX ) Came from CEO ( XXXX XXXX XXXX ) here on XXXX XXXX visa address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX.illinois XXXX name of entity various depending onnlegal record reviewed ( in California deinde online services llc name XXXX XXXX ) also in California secretary if state records ( XXXX XXXX XXXX merged into integra credit four llc ) after recieving loan via online offer ( XXXX ) payments every 15 days ( XXXX ) dollars attempted to verify entity was licensed under ( California financial code section 21000 ( a ) it was not had Department of Business oversight issue request for substantiation of exemption ( none identified ) still waiting in official response deadline ( XX/XX/XXXX ) entity uses name integra credit four integra credit two in home state of Illinois checked mls multiple  licensing system ( Illinois ) entity is solely licensed to lend according to those records in ( kansas ) ( Tennessee ) claims to be licensed in Delaware ( uses integra credit five ) according to Delaware secretary of banking records license expired ( XXXX XXXX XXXX  ) ( page 44 of 90 ) i  could not find renewal entity lends online in new Mexico could not locate any licenses in new Mexico uses different name CEO contact is XXXX XXXX XXXX phone XXXX XXXX XXXX XXXX also lists numbers XXXX XXXX XXXX www.Integracredit.com direct number us XXXX XXXX XXXX entity uses mandatory arbitration clauses in contract extinguushed by cfpb rule spoke to company twice about amending contract rate to correct usury violation due to unlicensed status
Product: Money transfer, virtual currency, or money service

i had XXXX dollars in my chime account my card was working jus fine thursday the XXXX my account was suspended with no reason was ask to support documents which i did and never was contact again
Product: Debt collection

Phoenix Financial Services is attempting to collect two XXXX Hospital debts that were paid off by workers comp and documentation has been received by creditor. I submitted documentation from my attorney showing that XXXX XXXX XXXX had indeed paid the debts off and Phoenix Financial is still disputing the chargers. It has been in dispute for over 45 days and I have contacted Phoenix Financial over 5 times during the last month and a half. I followed up XX/XX/2020 with XXXX XXXX XXXX to ensure that those two payments had been submitted and was told they were. My attorney told me to file a claim due to unfair reporting practices and I hope this can be resolved quickly.
Product: Credit card

I have a dual power of attorney for my son to have access and to help me with everything I sent this company total visa a copy of the power of attorney but they refuse to honor it. I have a letter from them stating that during the dispute I have with them that I will not have to make any payments but all of a sudden they want money and I'm passed due and charges of interest and others are accumulating I tried to have my son assist me as he has power of attorney they refuse to accept the power of attorney
Product: Debt collection

I have notified CCCS on several occasions that I do not owe to XXXX. They just refuse to dispute the debt on my behalf.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft all 3 credit bureaus was notified and another accounts and inquiries was added to my credit report that was not me. these accounts are my police report XXXX account opened XX/XX/XXXX XXXX account opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX Hard Inquiries 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
Product: Money transfer, virtual currency, or money service

NAVY FEDERAL CREDIT UNION My account Name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX On XX/XX/2022 an ACH stared from NFCU checking. Was sent to my spending account XXXX XXXX XXXX  ( {$5000.00} ) ( {$50.00} ) ( {$20.00} ) ( {$1.00} ). Then to my XXXX XXXX XXXX XXXX  {$9500.00} ) all ended being sent back with return fees. ( {$29.00} ) NFCU checking was closed and both accounts @ XXXX XXXX. There was a letter that I found in my vault with XXXX XXXX or XXXX XXXX. I have a idea on who put this in there. The letter was saying to do Something with my checking to summit to the FDR. That the united states treasure would summit funds into my account. I had showed the teller at NFCU this she asked how I received and put notes into my account. I also talked to someone else there and this individual was not helping but only to tell me that it's true what the latter had said. This now has places me in a position that I'm homeless with job and money is hard to come by. I Have tried many times to fix this matter. I feel that this should have been investigated. With my account on my phone being looked into and others that may have my personal information. I'm trying to figure out the right way or course of action. Without cash flow it's hard to pursue legal action.
Product: Debt collection

Subject : Complaint Regarding Debt Collection Practices To Whom It May Concern, I am writing to formally lodge a complaint against Midland Credit Management regarding their debt collection practices. I believe their actions have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and/or other applicable regulations.

1. Complainant Information : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX Email Address : XXXX XXXX. Debt Collection Agency Information : Agency Name : Midland Credit Management Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Details of the Complaint : Account Number : XXXX Original Creditors Name : XXXX XXXX I have experienced the following issues with Midland Credit Management : 1.

- The agency has been calling me excessively, often multiple times a day, including during early morning and late evening hours. They have also threatened legal action without providing proper validation of the debt.

- The Agency has also been harassing my family members with phone calls and sending letters to them about debt that is allegedly owed.

4. Actions Taken : Have you contacted the debt collection agency to resolve this issue? [ Yes ] If yes, please describe the outcome of your communication.

o I contacted the agency to request validation of the debt, but they have not responded or provided the requested documentation.

5. Requested Resolution : I would like the CFPB to investigate this matter and take appropriate action to address the violations of my rights. Specifically, I am seeking : A cessation of the inappropriate collection activities.

A correction or removal of any inaccurate information reported to credit bureaus.

Compensation for any harm caused by these practices ( if applicable ).

Please find attached any relevant documents supporting my complaint, including correspondence with the debt collection agency, proof of communication, and any related records.

Thank you for your attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX XXXX XXXX