23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX HELVEY & ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious HELVEY & ASSOCIATES IN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I was car shopping and I was assured my credit would only be ran twice when I obtained a copy of my credit report I noticed several unauthorized inquires on my credit report that I did not give my permission to run my credit XXXX millions times. Please delete these unauthorized inquiries immediately from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries to my credit i dont recognize XXXXXXXX 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 XXXXExperian 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

This is in regards to my wells fargo credit card account ending XXXX. This is an account that wells fargo closed I believe because of the number of days delinquent it had become ( 3 payments behind with a balance of about 11K ). This happened around XX/XX/2018. A XXXX dollar payment was made in XX/XX/2018 and then {$7800.00} worth of payments were made in the month of XXXX. In XXXX I make a XXXX payment. In XXXX my credit card minimum payment is XXXX.. I made several attempts to have this clarified with no resolve. Finally, I reached someone but its after the due date. I paid the minimum amount due of XXXX prior to due date. I called the wf I asked how did you come up with a XXXX balance on XXXX. The rep then put me on hold for 10 minutes comes back and says we changed your monthly payment amount on XXXX to XXXX every month to help you get caught up. I told her she was a liar. That someone in the collections department or else where was attempting to illegally gains late fee 's on my account by causing a minimum fee amount that's to high. In addition its retaliatory for me being in collections. I can imagine that since XXXX was my min. monthly payment in the month of XX/XX/2018 that someone put a lock or something on my account to only post payments of XXXX or higher to roll the account out of delinquency. Thats fine and dandy that they do that but they have to remove it the following month or it creates issues. My current statement shows zero amount due in XXXX so if my minimum payment was XXXX every month why dont I have a payment due now. Just like their reported software malfunctions that occurred forcing homeowners into foreclosure. The american people know it was no software error. It was to clear out delinquency numbers so they could take one major loss come back the following quarter with better delq numbers since they flushed as many consumers out at one time. Tactical advantage when looking at long term stock growth.
Product: Credit card or prepaid card

I applied for a Hilton Honors American Express Card. Upon submitting the application, it said they needed more time to review. I called XXXX to resolve the matter and check the status of the application. The automated operator said that my application could not be approved at this time. They said one contributing factor was my credit score. This was an adverse reaction that is now affecting my credit report and score.
Product: Checking or savings account

I am a freshman at XXXX College. I opened a student checking account with TD Bank because before I moved in, I spoke with a branch manager in the XXXX branch who told me his wife worked at the college and there was a TD ATM on campus. Not true. That means I pay {$3.00} every time I withdraw money. I try and get money when I buy items at the bookstore etc to avoid that fee but in my last statement, I noticed I got charged {$3.00} for a " Bal Inq Fee. '' I feel that this fee was not explained nor is it fair. I think they are taking advantage of me as a student and I want my money back for the fee ( and the {$1.00} paper statement fee too ), since I did not get told about that fee either. I am considering closing this account altogether since I feel that they misrepresented the ATM location too. I thought that banks were supposed to treat students fairly but that is not how it appears.
Product: Credit reporting

I was a student at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. A school official applied for a XXXX Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX XXXX. The representative from XXXX further advised me that XXXX XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and Experian. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect address remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXXXXXX 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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : account number
Product: Credit reporting

I used a credit repairing agency called XXXX XXXX to clean up some items on my credit report that were dragging my credit score down after my bankruptcy. They dispute an item with a vendor called XXXX XXXX cause there was a late payment on my file which was valid but they disputed it anyway and the credit reporting agency Transunion removed the account from my credit report. I have been going back and forth with Transunion and XXXX XXXX to get this back on my credit report. Transunion keeps stating that XXXX XXXX needs to contact them to have this added back on to my account. I spoke with XXXX XXXX on XXXX/XXXX/2016 spoke with XXXX who stated that they show my account is reporting to Transunion and XXXX. We contact XXXX and they show this account reporting. Previously on XXXX/XXXX/2016 I pulled my Transunion credit report and did not show this account reporting. When me and XXXX XXXX attempted to contact Transunion via XXXX way to resolve this matter they stated they could only talk to me and so when I talked to them they once again stated they do not show the XXXX XXXX account reporting and that XXXX XXXX would need to contact Transunion marketing department to have them resolve this matter. This morning I contacted XXXX XXXX to tell them what I was told and spoke with a Supervisor in the Escalations Department who told me the investigation is closed and that there is nothing more they can do. I 'm trying to purchase a home and need this account to be reporting for credit sake. Also Transunion refuses to work with me on this matter and also another matter inregards to my car loan. I have a car loan with XXXX the issue was since I filed bankruptcy it was reporting closed and part of bankruptcy. I disputed this item and Transunion removed it from my credit report. XXXX has contacted them and we have both sent papers in writing stating that I reaffirmed the vehicle and that the account should reflect active open with no late payments and reaffirmed. Please help I have been dealing with this matter for almost a year and a half and have no where else to turn. thanks
Product: Credit card

I tried to make a payment towards a AAdvantage card on the day it was due, a Saturday. After submitting all the information for the payment I submitted the payment but the site said there was an error. I tried for the next hour to make a payment but was unable. The following Monday I called the company directly. I explained the situation and was told it was n't a problem, there would be no late fees with a payment that day. I paid the outstanding balance completely as I intended to 2 days prior. Two months later I received an Email saying I had an outstanding balance ( a late fee ) and was being charged late fees on top of the first late fees because that was not paid. Again, this is 2 months late. I did not receive a notice of the first late fee. Since then the account has been closed but they continue to add late fees. 
Also, when I started this account it was with an introductory offer of {$100.00} which was never received I have asked about that offer and told them they could use that towards any fee but they refuse to acknowledge that offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Self-Reported XXXX, XXXX Self-Reported XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
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: Student loan

I mailed a letter requesting a Validation of Debt. The Validation of Debt letter was mailed via Certified Mail and delivered and signed for by a Williams & Fudge employee on XXXX at XXXX, SC XXXX. As of yet, the firm has not complied with my request. This VOD was mailed well within the 30 day time period as stated by law. 
Under the Fair Debt Collections Practices Act, it mandates in FDCPA section 809 ( b ), 15 USC 1692g, if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall CEASE AND DESIST collection of the debt, or any disputed portion thereof, UNTIL the debt collector obtains VALIDATION OF THE DEBT. 
If any debt collector fails to comply with the " validation of debt notice '' the borrower is entitled to an award of actual damages, statutory damages up to {$1000.00} XXXX per count ), cost and attorneys fees. 15 U.S.C. Sec. 1692k ( a ). Class action relief is also available. 15 U.S.C. Sec 1692k ( a ) ( B ). 
William 's & Fudge has not responded to my Verification of Debt, nor my follow up demand for my account to be closed due to their FDCPA violation. I have not received any documentation verifying the alleged debt, nor a confirmation of account closure that is required due to the company 's FDCPA violation.
Product: Credit reporting or other personal consumer reports

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments
Product: Credit reporting, credit repair services, or other personal consumer reports

In compliance with the Fair Credit Reporting Act section 605b, I have been filing this CFPB complaint to the credit bureaus to ask them to ask the credit reporting agencies to remove the false accounts and information from my credit file. The Credit Bureaus are expected and compelled to delete any accounts and information that resulted from my identity being stolen and utilized to open these goods under the FCRA section 605b. I once again request that the following items be deleted as soon as feasible by the Credit Bureaus : XXXXXXXX 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 XXXXXX/XX/XXXX. Since the reporting of the fake accounts and information off my credit file, I have been disputing my credit report for a considerable amount of time. Please be aware that if any information in my credit file was obtained through identity theft, you have four business days to stop reporting it. E-OSCAR or any other form of automated verification is not acceptable to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

We moved into a new house back inXX/XX/2017 and decided to use XXXX as our cable provider. Little did we know we could not obtain a clear signal where we live. XXXX  knowing that we had low signal which caused issues throughout allowed us to sign a 2 year contract with them. They did not tell us that we had low signal. As the guy finished up connecting everything there was no signal. He informed us that we would need to give it 30-45 minutes before everything synced up and would work appropriately. This obviously did not happen. we called XXXX customer service and notified them of our problem they said it would be a week and a half before anybody could come out. This royally upset us. So we waited and they came out and tried to trouble shoot it and said there was a problem with service box they would need to send higher tech out here to diagnose and fix problem. so we waited for that. We finally had a picture almost 3 weeks later. All was great for about 1 week then the signal loss started happening. We again called them and they sent somebody out a week later to try and diagnose the problem they said everything looked good. So finally we went on continuing for about 2 and half weeks later with our signal dropping randomly. We were disappointed at this time with XXXX Finally after further troubleshooting they found out that the spot our sat in is like a whole how they described it for bad signal. So we told them ok, How are we going to make this right? Their reply " you can continue services since you get signal most of the time, or you can pay the cancellation fee of {$350.00}. '' We were shocked hearing this. We fought with them talking with supervisor after supervisor about what has happened. We informed them that we do not believe we should have to pay a cancellation fee. They said because their were some data usages we would have to. End result- we cancelled services immediately This was about 5 months into signing the contract. After discussing with XXXX they said they would review our account and signal loss and let us know if any fees would be owed. From then on I never received an itemized bill from XXXX. Later on discovering they were sending them to my fathers address 6 hours away due to us having the same name. Causing them to call and ask questions on what's going on. This is how we found out they were sending them to him. We then received a letter from XXXX notifying us that our account has been sent to collections and that we owe the following {$950.00}
Product: Credit card or prepaid card

I purchased two weeks of in-person XXXX  lessons from an XXXX  XXXX  in XXXX XXXX, XXXX. 10 days before the program was to begin, the school  cancelled my class because of the Coronavirus. I requested a refund, but the school flatly refused to offer a refund, instead giving a " voucher '' for future use. The class was never described as non-refundable. There are no guarantees when/if it will be safe to travel again, or that the merchant will even be in business when/if it does become safe to travel. After working with the merchant to try and get a refund, I asked Captial One to assist. After three phone calls ( one lasting over three hours ) and two letters, Capital One has also refused to assist, claiming that they can't. I understand that the Coronavirus is an unprecedented world crisis, and I respect the school 's decision to cancel the class. But I can't understand the unwillingness of both the merchant and Capital One to offer a refund for a service that was not given. Their justification seems deceptive, and designed to wear me down, instead of being helpful.