23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital Credit & Collections Service , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX A debt originating from XX/XX/2016 with the XXXX XXXX XXXX XXXX XXXX, in the amount of XXXX dollars for a medical service, was sent to collection with Capital Credit. They attempted to charge {$17.00} interest on the debt ... which is illegal, according to Oregon State, as well as Federal law. 

According to Federal Law : https : //www.ftc.gov/system/files/documents/plain-language/fair-debt-collection-practices-act.pdf 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limit- ing the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obli- gation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

According to Oregon State Law : XXXX XXXX XXXX : A debt collector engages in an unlawful collection practice if the debt collector, while collecting or attempting to collect a debt, does any of the following : ...

( n ) Collects or attempts to collect interest or other charges or fees that exceed the actual debt unless the agreement, contract or instrument that creates the debt expressly authorizes, or a law expressly allows, the interest or other charges or fees. 


I spoke with the company, who was easily willing to drop the interest, but insisted that it was legal for them to do. 

I paid the {$60.00}, but they should not be lying to people, telling them that they can legally apply interest charges on a debt, when they clearly can not. At the very least, this company should be reprimanded for these unjust and deceptive practices.
Product: Credit reporting or other personal consumer reports

Accessed online account at myequifax for XXXX and XXXX credit reports but they are not available. Called on XX/XX/XXXX and Equifax claims no information about my history is available. This is info as my XX/XX/XXXX is available but only after I filed a complaint against them with this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Due to HIPA i would like this removed from my credit report. I did not give permission for my information to be sold or given to a third party. I would like this debt removed from my report due to inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not do any sort of due diligence on the dispute I raised with them and did not remove the fraudulent claims from my account.
Product: Credit reporting or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with XXXX, Equifax and XXXX 45 days prior to filing a complaint. I have yet to receive a response.

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Lake view Loan servicing LLC ( LLS ) was supposed to pay my real estate taxes in XX/XX/XXXX when I closed on my loan. They never paid them. In XX/XX/XXXX ( XX/XX/XXXX ) I received a tax delinquency notice from my township. I contacted XXXX on the same day and requested they take care of it. I was told a ticket was open and the taxes would be paid by XX/XX/XXXX. On XX/XX/XXXX I contacted LLS and was told a check was sent out to my township for my taxes. On XX/XX/XXXX I received a lien notice from my township because my taxes were not paid. When I contacted LLS I was told they made the mistake and the taxes would be paid by XX/XX/XXXX. I followed up multiple times between XXXX to get a status. I was told it was elevated to the highest person it could go and that I needed to wait until XX/XX/XXXX for it to process. Well here we are XX/XX/XXXX and NOTHING. Now I am told its been escalated again, but I have to wait at least 24 hours for someone to look at it. And then however long itll take for someone to pay it. This is a nightmare company. They dont care how they affect your life. They hold YOUR escrow and down pay the taxes they are required to pay! I dont even have the ability to pay my own taxes! Im forced to have them included in my mortgage payment! Please help! 

I spoke to Supervisors : XXXX XXXX XXXX XXXX
Product: Debt collection

Truist Bank refuse to remove Unauthorized fraudulent charges are still not removed from this account.The creditor stated that they are going to close out my credit card and personal checking account with them. They have not given me a valid reason why they are closing my credit card or checking account I was told by a representative when I called in to come and get all of my money out of my checking account or they will mail me a check and they are closing my accounts with them. Them closing out the credit card will cause my credit to decline especially with the unauthorized fraudulent charges balance. This is retaliation against me for reporting them for not protecting my rights under FCRA laws as a victim of theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off and closed my XXXX  XXXX credit card on XX/XX/2020 due to fraudulent fees being added to the account despite on time payments. My credit score then dropped by over 75 points. I am now unable to apply for other personal and business credit cards due to this extreme reduction of credit points despite the account closing on good terms. I am in dire need of credit score improvement to buy a house due to how dangerous my current neighborhood is and time is running out. Please help.
Product: Debt collection

XXXX  XXXX XXXX says that I owe them {$27000.00}. I paid less than the amount due, but they left the note on my credit report saying charged off instead of " settled in full ''. The coronavirus is hurting me financially, and they refuse to help me. I need access to additional credit to make it through the COVID-19 shutdown.
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. 

Account : XXXX XXXX XXXX : # XXXX 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

The credit reporting agency has been notified multiple times that these accounts should be removed from my credit report. These accounts are fraudulent and erroneous. I have been denied CREDIT, HOUSING and EMPLOYMRNT due to this erroneous information. 

US DEPARTMENT OF ED/ XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX cc : XXXX XXXX, XXXX
Product: Checking or savings account

On XX/XX/2019, I opened a checking account XXXX with Wells Fargo bank based on its online offer " Set up direct deposit and receive a cumulative monthly total of {$3000.00} in qualifying direct deposits into your new account for 3 consecutive months. '' And then " Your {$400.00} bonus will be deposited into your new Everyday Checking account within 45 days after eligibility and bonus requirements have been met. '' I called its customer care on XX/XX/2019 ( Ms. XXXX ), XX/XX/2019, XX/XX/2019 ( Ms. XXXX, Ms. XXXX ). They confirmed that 1. The {$3000.00} is the total of 3 consecutive months, not each month ; 2. The 3 deposits of {$500.00}, {$500.00}, {$2000.00} made on my account are qualified direct deposits ; 3. The requirement for the bonus was met and I would receive the {$400.00} bonus in XXXX of 2019. 
However, on XX/XX/2019, Wells Fargo said that the requirement is not met and hence no bonus. 

( The names of the above representatives is not accurate as they were my guess based on phone voice heard. However, as they said that all calls are recorded, the voice recording can be used to verify that what I said above is true )
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX  XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX , CT XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Block Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX 
Per XXXX - XXXX In brief, section XXXX provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided XXXX documentation to the consumer. 
The XXXX is adopting several amendments to Regulation V to implement new section XXXX of the Fair Credit Reporting Act ( FCRA ) XXXX added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section XXXX provides that a consumer reporting agency XXXX not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX  if the consumer has provided XXXX documentation to the consumer reporting XXXX Under section XXXX, the Bureau XXXX required to issue implementing regulations within XXXX days of the enactment of the XXXX XXXX XXXX Section XXXX is effective 30 days after the XXXX issues its final implementing regulations. 
XXXX XXXX XXXX XXXXXXXX BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures XXXX of identity XXXX documentation
Product: Debt collection

I spoke with Resurgent Capital Services on XXXX. I spoke with a representive, and advised her that i was attempting to dispute by balance. She advised me that I can not dispute by phone, unless i update my address. i refused to update my address due to privacy concerns. she advised me that i can not verbally dispute with out updating my address. I then asked 2 more times if i can dispute my balance with out updating my address. she stated that i can not. I then requested a manager. The manager advised me that i can indeed dispute with out updating my address. The original rep gave me false and misleading statements whille attempting to collect a debt. Per the FDCPA She was in violations of section 15 U.S.C. 1692e.I advised the manager that i do not recognize this debt, and i want to dispute. I Advised her that i am Requesting Validation of the Debt, which is the signed contract binding both parties pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed discrepancies on my account last year and contacted the reporting agency. There is an account i've asked four times to be investigated. Even filed a CFPB complaint and they removed it but put it back on with updated spelling. I am disgusted. 

I sent a letter XXXX2021, XXXXXXXX,XXXX.2021, XXXX, XX/XX/2021, and XX/XX/2021. 

The charge off from XXXX XXXX remains on my report and with conflicting reporting. I want it DELETED. 

The account number is missing, high credit amounts are different, date of last payment and active is different, payment history is different. If its the same account and they both investigated HOW is the accounts reporting differently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries on my report and I have never done business with the companies or have an open account. I have attached the FTC ID theft report.
Product: Credit card or prepaid card

I was charged for unauthorized items at a restaurant called XXXX. I was only supposed to be charge for a pineapple soda for {$4.00}. However the waiter accidentally charge me for 2 additional items that were supposed to be put on another bill. It was a large party and he mixed up the charges. I did not signed the receipt and handed it back to the server and there was an argument with the merchant. They told me if I had an issue with it to dispute it with my credit card company. Therefore I disputed with Amex and wrote a letter explaining the situation. However Amex sided with the merchant without any proof but the incorrect unsigned receipt. This is ridiculous and Amex is not doing their part.
Product: Credit card or prepaid card

I have a Chime prepaid card. On XX/XX/21 I reloaded my card at XXXX located at XXXX XXXX XXXX, XXXX XXXX, OK. 
A cashier by the name of XXXX loaded an additional {$300.00} onto my prepaid card. As a result, I did not use the card after noticing the extra funds on my Chime card. I returned to the same XXXX location witihin a few hours of the original load transaction. The XXXX manager debited the extra {$300.00} on my account. I was then told by the store manager that she would also contact Chime to verify the correct amount had been removed. I recorded the managers store transaction of my Chime card via cellphone video. On XX/XX/21 Chime closed my prepaid account via email and I was immediately disallowed access to my online Chime account information. I contacted Chime via email about the cancellation of my account and received a general response on XX/XX/21. Chime indicated I would receive the remaining balance on my prepaid card via check within two weeks. Two weeks have now passed and I have not received the remaining funds on my closed prepaid Chime account.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX  Account Number : XXXX This account is inaccurate Please delete this account and delete this immediately
Product: Student loan

I was attending school back in  XX/XX/XXXX - XX/XX/XXXX . On   XX/XX/XXXX ,  I fractured my  XXXX  and I was unable to complete my schooling. I never received a certificate of completion or anything like that. In   XXXX  , I went to see if I could finish the courses that I missed. They told me I could and that they would contact me when they started again. A year passed and I did n't hear from them. So I tracked them down and asked if I could finish the courses that I missed. They told me I would have to pay for the course again. Obviously that was n't an option for me and I 've been paying on the loan ever since. My loan was for {$25000.00}. I 've been paying {$170.00} a month for about 9 years now which is roughly {$20000.00} dollars paid out, which would leave only {$5000.00} to owe. I still owe more than {$12000.00}! I have no idea what those payments are going towards. I only have a 3 % interest rate on the loan. Ideally, I would like my money back, either what I 've paid them, or refund the remaining balance and put a stop to the endless monthly payments. I 've told  Navient a ll of the above information and they told me I could take out another loan to pay them off, which is n't an option. And they were n't even empathetic to my unusual dilemma.
Product: Credit reporting or other personal consumer reports

US BANK, A DISCRIMINATORY AWFUL EVIL CORPORATION THAT WAS TERMINATED FROM DOING BUSINESS WITH THE STATE OF XXXX  XXXX XXXX PROGRAM, IS ARTIFICALLY AND ILLEGALLLY PLACING INCORRECT AMOUNTS OF MY MORTGAGE PAYMENTS ON ALL XXXX  CREDIT REPORTS!! THIS IS DISCRIMINATING AGAINST A XXXX PERSON AND VETERAN AND PREVENTING ME FROM SELLING MY HOME OR MOVING CLOSER TO HELP AN OLDER FAMILY MEMBER. US BANK IS PLACING THE WRONG AMOUNTS ON MY CREDIT REPORT, REPORTING THAT I HAVE A XXXX $ LOAN INSTEAD OF A XXXX $ VA LOAN, AND RUINING MY CREDIT SCORES AND REPORTS!! THIS LOOKS TO ANY CREDITOR THAT I HAVE PAID XXXX, REPEAT XXXX ON MY MORTGAGE!!! I DEMAND THAT THEY PROVIDE REASON AND DOCUMENTATION THAT I HAVE PAID XXXX $ OR MORE IN PRINCIPLE. STATE WHY AND SITE THE LAWS OF XXXX  OR FEDERAL LAWS THAT YOU ARE PURPOSLY AND WITH MALICE STATING THE WRONG MORTAGE AMOUNTS ON Y CREDIT REPORT!! WHAT US BANK IS DOING IS ILLEGAL AND UNETHICAL! I HAVE REPORTED US BANK TO THE XXXX  AND XXXX  ATTORNEY GENERALS, AS WELL AS THE XXXX XXXX AND THE CFPB AND THE XXXX.
Product: Credit reporting or other personal consumer reports

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

My mortgage originally came with attached private mortgage insurance ( PMI ) payments. My loan documents state that once the loan-to-value ( LTV ) ratio reaches 80 % I ( as the borrower ) am able to request PMI removal. Since, I made additional principal payments I requested PMI removal when my LTV ratio fell below 80 %. After, initially refusing to acknowledge that PMI could be removed on a conventional loan ( Loan Amount was XXXX and issued in XX/XX/XXXX ), my lender denied my request for PMI removal on XX/XX/XXXX. 
The stated reason for denying my request is " You have the right to request early cancellation of your PMI on or after either of these dates : When the principal balance of your loan is first scheduled to reach 80 percent of the original value of the property. Your loan is scheduled to reach 80 percent of the orignal value on XX/XX/XXXX or When the principal balance of your loan reaches 80 percent of the original value of the property based on actual payments. Based on the actual payments made your principal balance has reached 79.86 percent of the original value. '' Thus, the lender is arguing that my LTV ratio now has to somehow reverse back above 80 %, which is only possible if I literally rescind previous payments. Based on their complete lack of understanding of the way a mortgage operates, my loan balance would need to be higher in order to have PMI removed. I am just flabbergasted at the level of incompetence and am at my wits end.
Product: Credit reporting or other personal consumer reports

In addition to dispute number XXXX that I reported in this form on website XXXX XXXX XXXX XXXXXXXX # XXXX I incured charges today at the moment XXXX XXXX XXXX walked into the front door today on his son birthday at my mother dwelling at XXXX XXXX XXXX XXXX CA XXXX from XXXX XXXX XXXX  in XXXX Delaware XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  sharing account credit for {$100.00}