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

I am not liable for this debt with National Credit Adjust. 
I do not have a contract with National Credit Adjust. 
They did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act JPMCB CARD has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for and purpose
Product: Checking or savings account

I have had a savings account for many years- originally through XXXX, which is now with Capital One after they took over. Over the years, the interest rate fell, as did most savings rates around the country. However, I recently learned that Capital One had actually quietly started offering a different savings account with significantly higher rates - 3.4 % APY instead of the pitiful 0.3 % APY still in effect on my account. This is NOT a matter of variable interest rates changing with market conditions - This is an example of a large corporation using bait-and-switch tactics to take advantage of unknowing existing customers, while incentivizing new customers. 

To my knowledge, no effort has been made by Capital One to notify existing customers that they may be eligible for better rates. There is, seemingly, no difference in this new account that would prevent an existing customer from being eligible or wanting the higher APY, except that a customer needed to *know the new account exists*, open the account, transfer money ( no fees or major difference in terms of service ). 

This issue is clearly detailed on this article : https : //womensmoney.com/blog/capital-one-cheating-you-too-high-interest-accounts/
Product: Mortgage

To whom it may concern, To explain my situation I have to start back in XX/XX/XXXX just before the onset of the mortgage crisis. At the time I had refinanced and combined a {$150000.00} mortgage with a {$50000.00} mortgage making a combined mortgage of {$200000.00} with XXXX XXXX.. On the loan agreement it is stated that current market value of the home at the time was {$270000.00}. 
Fast forward to XX/XX/XXXX. I finished off my basement and for that I took out another mortgage worth {$35000.00} with XXXX. Almost simultaneously that year I was receiving calls from XXXX XXXX. As we all know now this was a time when corporate greed was rampant which led to the historic mortgage crisis.Loans were being handed out like candy. The loan representative that I spoke with at XXXX XXXX stated we qualify for another mortgage. I took out a third mortgage for {$86000.00}. He stated that we would easily by able to turn around and refinance all of these loans into one mortgage. It was a very naive and not well thought out decision on my part. Remember back in XX/XX/XXXX the current market value of our home was {$270000.00} $ When I took out the third loan with XXXX XXXX in XX/XX/XXXX, they inflated the current market value to {$300000.00}. That is an inflation of {$36000.00} in less than 2 years. It is a known fact that the greedy mortgage companies would inflate the value of homes in order to sell mortgages leaving people to owe more than their homes were worth. 
Currently I owe more than my home is worth to this day. I struggle to make payments. Please cut me a fair deal ridding me of my mortgage with XXXX XXXX ( which has since sold the mortgage to Citimortgage ). Citimortgage recently denied me a loan modification. I just want to owe what my home is worth. I struggle to make payments, I am often lagging behind. My credit is now poor. The ripple effect of taking out that mortgage will last me the rest of my days. It has robbed me of time I could have spent with my XXXX children and my wife as I have always had to work multiple jobs to stay afloat. I didn't deserve such a lasting negative effect on my life for one attempt to enrich our lives by taking out loans meant to improve our quality of life. We want to stay in our home and deserve that chance to continue to bring up our family here. This is no mansion it is a one level ranch but it is still our home. 
We are victims of predatory lending! Make no mistake we are victims! We did not inflate the value of our home the mortgage company did. I call for an annulment or eradication of my loan with Citimortgage ( previously XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i applied for a bank of America XXXX  XXXX XXXX as OFFERD to me by the company 's email as I am a customer for almost XXXX years. After being Denied which I received a letter about the REVIEW of the application which DOES NOT GIVE FULL DICLOSURE. I have REQUESTED a COPY OF THE FEDERAL TRUTH IN LENDING DISCLOSURE STATEMENT WITH THE LISTING FACTORS AND DECIDING FACTORS FOR THE CONSUMER CREDIT TRANSACTION, AND DENIAL OF MY CREDIT, WHICH SHOULD BE AVAILABLE UPON REQUEST per the FTC and CCPA. B of A is in violation of Title15 USC sub section 1611, Title 12 USC sub section 411 and HJR-192. They are refusing to give FULL DISCLOSURE and are involving a Third party without Consent XXXX Is Involved In A DATA BREECH LAWSUIT since XXXX and B of A is under XXXX  XXXX since XX/XX/XXXX XXXX
Product: Debt collection

Received a notice today from Affiliated Management Services XXXX XXXX About a debt from XXXX XXXX XXXX XXXX XXXX. No one has seen any XXXX  in years. AMS directed us to contact XXXX XXXX. 

When speaking to XXXX XXXX they said that they sent a bill 42 times. The original debt, from 2016. This is absurd since we both had insurance, and XXXX  account, and never received any notice. When asked for the original bill or copy, we were told no since the attempt had been made 42 times allegedly. There would be no copy sent and since it was sent to collection it was out of their hands. 

Our concern is if this is a valid bill, we can't verify. We presume it was for a XXXX during that year but since it is so long ago it's hard to verify much less correct something that may have well been a billing issue ( sadly, insurance has since changed as well ). 

So now we are stuck with a debt in collections that we can not confirm is even ours, confirm that this is outside of the co-pay much less the deductible for that year. Worse, the XXXX money that could have been used is gone and current monies can not be used against this.
Product: Student loan

On XX/XX/XXXX I made my regular student loan payment to Advantage. Because interest is starting to accrue, I reached out to request that all my payments be towards the principle balance and not the interest. They state on their website that they will respond after two business days. After no response I sent another email stating the same issue and that I didn't get a response. Today I still haven't heard a response. Today when I looked at my advantage account, it said there was a payment reversal. I've never requested a payment reversal. They don't have anything on the site explaining how a payment reversal happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Phone # ( XXXX ) XXXX I have on my credit report showing account charge off for {$2900.00} and I have obtain back on XXXX/XXXX/XXXX a letter from the District manager showing a {$0.00} balance from the District manager and sign by him. On my credit report status on XXXX XXXX shows this but XXXX XXXX sent me a letter on XXXX as {$0.00} balance and Experian will not update my credit report as well as wrong information on the account showing. I have provided them with the letter from XXXXXXXX XXXX and there phone number if it needs to be verified but Experian has yet to do anything and keep telling me nothing is going to change. I want to no why is this when XXXX XXXX has tried to updated in the system with Experian but they want update the account showing as paid or remove the 90 days late on my file. I have tried month after month and nothing from Experian to this matter. I want the account updated and showing as a {$0.00} balance as I have proof from XXXX XXXX or removed from my credit file. 
I have been requesting this since XXXX and wrote and filed complaint letter and a dispute form with Experian. this is not right on there part.
Product: Money transfer, virtual currency, or money service

My insurance company sent me a wire from their bank ( XXXX XXXX ) to my bank XXXX Bank of America ) on XX/XX/XXXX for the amount of {$750.00}. 

After a day or XXXX, I called Bank of America because the wire isn't showing up in my account. 

Bank of America XXXX said there was no incoming wires and to verify with the sender because they can't do anything/ Called the company, and verified the routing number and account number, they said their payments dept will look into. After XXXX weeks, the company said they can't do anything about it because everything was sent accordingly with # TRN confirmation and that its issues with my bank. 

My bank is saying there is no confirmation with the XXXX #. After weeks of back and forth, the company called and said they can't request a return on the wire since they called Bank of America and confirmed they received the wire. 

But when I call Bank of America, they still have find a record the wire. 

For the record, this company has sent me wires multiple times to the same bank account without a problem, just this XXXX wire on XXXX XXXX is missing from Bank of america XXXX XXXX
Product: Credit card or prepaid card

Barclays bank I had a refund of {$410.00} from a cancelled XXXX XXXX that went on my card and gave a credit balance. I need this money. I attempted to call in on XX/XX/20 was on hold over 1 hour. Finally sent email message that states they will respond in " 6 hours or less '' I have no response from that message. Nor the one I sent on XX/XX/20 or the one sent on XX/XX/20 which that day I also took a copy of my statement and wrote letter asking for them to please mail a check to me for the credit balance. Checked my account online today XX/XX/20 and there has been no adjustment. Also sent another email message today, XX/XX/20 With doubt that I will get any response. Thank you.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

WAYPOINT RESOURCE GROU XXXX Balance {$430.00}
Product: Debt collection

A contact of the debt collection company They disclosed what procedure was done at the doctor 's office which is invite direct violation of hipaa And they did not notify me of the debt or give me time to dispute the debt
Product: Vehicle loan or lease

To whom it may concern, I am writing in regard to the below referenced accounts and transactions. Account : XXXX. This vehicle was repossessed by Santander Consumer USA in the XXXX of Florida on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of Florida UCC 9-504 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. Best Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed XXXX, XXXX XXXX and Experian showed Chapter XXXX Bankruptcy that I find to be problemat. 

I contact XXXX XXXX records and asked them to take action to get this Bankruptcy removed from their records and to erase any public record with all credit reporting agencies. They assured me they do not report any Bankruptcy to any of three agencies.Whatever steps necessary to resolve the issue, but I wanted to contact XXXX XXXX records well, just to make sure this gets done. I have confirm that three agencies use a third party like XXXX to do there investigation. All three agencies has incorrect information and they need to full investigation. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and especially XXXX I've been filing disputes via online, over the phone and sending dispute letters since XXXX of XXXX, XXXX of XXXX, up to the present day of XX/XX/XXXX. Every time I filed disputes for inaccuracies like Charged off accounts which the company must file a 1099-C debt cancellation reporting it as income in the amounts of {$230.00} ( lead Bank ) XXXX {$350.00} ( XXXX ) XXXX {$530.00} ( XXXX XXXX XXXX XXXX {$250.00} ( Self ), {$280.00} ( Open sky ) which was a {$2000.00} secured card, {$450.00} XXXX XXXX, CREDIT ACCEPTANCE CORP {$26000.00} was a breach of contract coercing me to sign the contract they way they wanted me to or else they wasn't going to sell me the vehicle knowing I needed one for my personal, family and household needs. And since the companies in question are reporting these charged off accounts as income they no longer should be on my credit report. and so the credit bureaus refuse to correct these errors as if they are deliberately ignoring my request. They never in the history of me filing disputes sent me verifiable and validated proof of any debts and will not even remove them one time in good faith. I've experienced severe financial hardships I suffered constant denial of credit because of this unresolved matter over the years of communicating with these bureaus Especially Experian. I've also requested them to remove non-mailable addresses from my credit report and they said they would but when I went back to check my report the address were still there, so they lied to me. That's why a question their motives, authenticity and what they stand to gain or lose by making these simple corrections on my report. It even got to a point where I wasn't allowed to dispute some inaccurate any further. I think they are engaging in unfair and deceptive practices and have violated my consumer rights time and time and time again. I've pointed out to them that they have violate the FCRA, FDCPA, ECOA and the CCPA and they seem to be unfazed by these violations. A few of these third party debt collectors I have absolutely no business or contract with. And I don't have the time to go back and forth with these bureaus. That's why I'm filing this complaint because I NEVER got ANYWHERE corresponding with these credit bureaus. I feel targeted and discriminated against. I also put the parties involved on expressed notice that I had a priority lien and beneficial security interest in the Debtors property including my Trade Name. They ignored everything I conveyed to them verbally and in writing. see attached.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Demand for Permanent Deletion of Accounts Dear TransUnion XXXX Department, I am writing to formally dispute the following accounts that are inaccurately appearing on my TransUnion credit report. I demand their immediate and permanent deletion as they are either inaccurate, unverifiable, or otherwise improperly reported. The accounts in question are : XXXX XXXX DC XXXX XXXX XXXX XXXX BANK XXXX, XXXX BANK OF XXXX Under 31 U.S.C . 5118 and the Fair Credit Reporting Act ( FCRA ), I am asserting my rights as a consumer to dispute and demand removal of any accounts that can not be properly verified or that have been reported unlawfully.

Legal Violations Supporting My Dispute : 1. 15 U.S.C. 1681i ( a ) - Failure to Conduct a Proper Reinvestigation : TransUnion must conduct a reasonable reinvestigation of disputed information and delete any unverifiable accounts.

2. 15 U.S.C. 1681e ( b ) - Failure to Assure Maximum Possible Accuracy : By reporting inaccurate information, TransUnion is in violation of its obligation to ensure the accuracy of consumer credit files.

3. 31 U.S.C. 5118 - Protection Against Unlawful Debts : This federal statute protects consumers from obligations not legally enforceable.

Fair Resolution Request : Permanent deletion of the listed accounts from my TransUnion credit report.

A written confirmation within 30 days that the accounts have been removed.

Assurance that these accounts will not be reinserted into my credit file in the future.

To support my dispute, I have enclosed the following documents : A copy of my credit report highlighting the disputed accounts.

A copy of my government-issued ID to verify my identity.

I expect full resolution of this dispute within the legally required timeframe. Failure to comply with this request will result in further escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am REWRITING to MIDLAND CREDIT MANAGEMENT to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XXXX XXXX XXXX The FTC report numbers related to this complaint are XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Product: Credit reporting or other personal consumer reports

Submitted information to correct credit report in 2021. Report was fixed but now nothing showed in the report. When tried to dispute, information is not up to date and missing accounts.
Product: Debt collection

debt collection is not mine my information was used due to identity theft I have filed a police report
Product: Debt collection

The debt collector contacted me. When I asked the name of the company and of the person contacting me and what is the name of the company I owe money to they did not provide any of these informations. 
They simply asked for my date of birth and address without allowing me to verify that this was not a scam pishing call. 
To the best of my knowledge I do not have any debt and this call is most likely a case of scam. 
I feel harassed, worried and anxious as a consequence of this treatment.
Product: Credit card

Hello CFPB, My name is XXXX and I have a credit card with JP Morgan Chase ( Account number : XXXX ). I paid my entire credit card balance off on the XX/XX/XXXX statement due date of XX/XX/XXXX. JP Morgan Chase still charged me {$68.00} in interest on XX/XX/XXXX. I called JP Morgan Chase Credit Card customer service and spoke with a young lady who was very friendly. She acknowledged I had paid my entire credit card balance in full by the due date, and should not have been charged interest when the credit card is paid in full by the statement date. When I asked her to give me the mathematical breakdown of my account balance to explain why I was charged {$68.00}, she gave me a vague explanation full of obfuscation. While she was nice I realized she would be no help in resolving this matter. Please have JP Morgan Chase refund the {$68.00} they unfairly charged my account.
Product: Debt collection

My son went to his doctor in XX/XX/2019 for XXXX XXXX. His doctor wanted him to have a XXXX  XXXX and XXXX. His doctor said she could not put in a referral for the services until they were authorized by XXXX. She submitted the authorization requests. They were approved. She sent the referrals and the service were performed. According to the itemized list I received, XXXX paid for the services that were pre authorized. Now over a year later, XXXX has sent me to collections for over {$2000.00} with no reasoning or explanation as to why XXXX would " deny '' a pre authorized service over a year later that they had already paid for. Why would I be sent to collections for services that were pre authorized before they were completed? I have contacted XXXX and have received no response. I have contacted the XXXX and they will not give me any information because I am not on his record in their system.
Product: Debt collection

I have an unverified account from Diversified Consultant. I had previously disputed this account. I have never done business with Diversified Consultant. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Diversified Consultant provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Diversified Consultant Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

There was a vehicle purchased in my name and I haven't purchased a vehicle in 2 decades or more. This was a huge truck fully loaded for a big strong man, I'm a small woman my height is 5ft and I don't buy vehicles because the car payments are two high. I'm XXXX living on a fixed income and I only get paid once a month. I could get approved for a vehicle that expensive in my dreams. The bank is Credit acceptance and I told them it's fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice an account that was not reported accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with the complete accuracy. The account XXXX XXXX  has not been late on payments. Ive attached a copy of my report to this complaint on the following dates XXXX XXXX and XXXX XXXX I am now requesting you investigate this account and update these payments to paid on time immediately thank you for your understanding and prompt action.