23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently obtained a copy of my credit report and noticed Southern Financial Systems Inc furnished information on my credit report. The item states that they opened the account in XX/XX/2018. I have never received an initial communication in writing that is required by federal law. Because of their lack of following proper procedures, I was unaware of the debt they claim I owe and was never given the opportunity to exercise my right to dispute the debt within 30 of the initial notice. Southern Financial systems began reporting this debt without my knowledge and without verifying the debt. I do not believe that the debt belongs to me. I would like for them to properly verify the debt by providing the original consumer contract with my signature on it. Without that, there is a strong possibility that Southern Financial Systems has mistaken my identity for someone elses. And by their lack of following the federal law to send notification about the debt, I assume that Southern Financial Systems knows that they can not verify the debt and are illegally furnishing information to my credit files. I would like to exercise my rights and demand to have the debt validated and verified or immediately deleted from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX HAVE FRAUDULENT INQUIRIES FOR FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Mortgage

My payment went from XXXX $ to XXXX $ in one month. They claimed it was an escrow analysis and said my insurance rate doubled. So I asked what would bring my payment back down. They said if I could change insurance. I changed from XXXX to XXXX insurance. My old insurance was around XXXX $ while my new insurance is XXXX . I had been told this would bring my monthly payment down. I just filed for a new escrow analysis and my monthly payment is now XXXX . I asked why and they keep saying my escrow is in a negative. My escrow was ( XXXX $ something ) before I switched insurance. It is now XXXX $ I do not understand how my mortgage can INCREASE after I paid off some of the escrow. I also have some phone recordings with my stating and them verifying this should lower my payment.. 

I have included XXXX phone recordings that show the entire intention of me doing this was to lower my monthly payment. I make mention a few times about how my account increased and I want it to decrease.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The XXXX bureaus are obligated to confirm these accountsunder Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my 9th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX 2023
Product: Credit card or prepaid card

Dispute Case Number XXXX, I kindly request that Discover Bank provide clear explanations to the following questions : >> 1. If Discover deemed the Proof of Delivery from XXXX, which included the tracking number, delivery date and time, delivery city and location, and recipient, as " an incomplete copy of delivery confirmation, '' why did the Dispute Team not contact me before closing my case on XX/XX/XXXX? 
>> 2. What prompted Discover Bank to re-review this case on XX/XX/XXXX, after closing it on XX/XX/XXXX? I, as a customer, did not inquire about this dispute or the {$140.00} transaction until XX/XX/XXXX. 
>> 3. How does the {$84.00} credit posted on XX/XX/XXXX relate to this {$140.00} disputed transaction? 
>> 4. Why has Discover not provided any explanations or instructions regarding the contradictions evident in the documents submitted by the merchant and myself? 
>> 5. If Discover considers the aforementioned Proof of Delivery as " incomplete, '' please specify the missing information and provide a standard requirement used by Discover. This way, I can contact XXXX for the correct document that meets Discover 's Standard Requirements.

>> 6. I request a copy of the proof provided by the merchant concerning Dispute XXXX. Please send this to the email address or mailing address listed in my account file. 

>> I strongly urge Discover Bank to carefully review all previously submitted documents related to my case before offering an appropriate and well-informed response. As a customer, I expect prompt, accurate, and transparent communication from Discover Bank, as well as a professional approach to resolving disputes. 
XXXX This will be my final attempt to resolve this case and the {$140.00} transaction with Discover. It is frustrating to deal with the consequences of Discover 's negligent behavior. If Discover Bank continues to provide irrelevant responses, I will take legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( Account in Collection/Charge off please delete ) Account Name : XXXXXXXX XXXX Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Account Name : XXXX  Account : XXXX PAST DUE BALANCE : {$1100.00} ( Account in Collection/Charge off please delete ) This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash app!!! Last week I got money sent. Because the screen on my phone cracked. 

I tried to login, MY EMAIL asked me to create a new account. 

I have been emailing for a week, NO response until today. 

I got a copy and paste response ... a different person responded and asked for the I go I already gave ... ..then stopped RESPONDING. 

I even tried to use another email. They BLOCKED ME AND DONT RESPOND. 

I needed my money, NO matter the amount. 

They are not trying to give me my money back. I HAVE ALL EMAILS CONFIRMING THIS. PLEASE HELP ME GET MY MONEY BACK. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I wrote dispute letters to Experian, XXXX  and XXXX disputing the inaccurate information reporting to my Credit Report. I was a Victim of Identity Theft and sent in the police report along with my dispute letters expressing my concerns and asking for the information to be removed. It has now been 30 days and these negative items are still being reporting to my Credit File.
Product: Credit card or prepaid card

on XX/XX/XXXX I applied for a Delta Airlines American Express card and was automatically denied within 3 minutes of the submitting the application. I contacted American Express, as i already have an open account with them and requested that they manually review my application and offered to provide additional information.

Since then nothing has occurred and I do not believe that they manually reviewed my application. I filed bankruptcy 5 years ago ; since then I have had maintained over 10 credit accounts in good standing with no late payments. In addition, I already have an account with XXXX. I think it is appalling that they would not even allow me to submit additional information on my income and eligibility.
Product: Credit card or prepaid card

I am complaining about an XXXX Mastercard that my husband had. My husband passed away in XXXX XXXX. Now it is XX/XX/XXXX and XXXX Mastercard continues to send monthly statements with an interest fee that continues to increase. I have contacted them multiple times to report him deceased and to close the account and cancel the card. In XX/XX/XXXX and XX/XX/XXXX, an insurance company inadvertently charged car insurance and home insurance to his credit card, when I thought the account had been closed. I sent XXXX a payment for the charges since I drive the cars and own the house. I would like XXXX Mastercard to stop sending statements and bills, as I do not owe them anything.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$10000.00} XXXX  - XXXX {$140.00} XXXX XXXX  XXXX XXXX XXXX {$2100.00} XXXX  - XXXX {$14000.00} XXXX  - XXXX {$890.00} XXXX XXXX - XXXX {$390.00} XXXX XXXX  - XXXX {$890.00} XXXX XXXX  - XXXX {$1200.00} XXXX  - XXXX {$390.00} XXXX  - XXXX {$1200.00} XXXX - XXXX {$3700.00} XXXX - XXXX {$3700.00} XXXX - XXXX {$0.00} XXXX XXXX - XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX - XXXX {$370.00} XXXX  XXXX - XXXX {$1200.00} XXXX - XXXX {$320.00} XXXX XXXX XXXX XXXX - XXXX {$2400.00} Accounts : XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX {$20.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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
Product: Credit reporting or other personal consumer reports

At convenient times for reporting my credit score is lowered due to the negative reporting of XXXX. Most often XXXX to XXXX point decrease. 

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section two, it also states that consumer reporting agency can not furnish and I can account without my written instructions under 15 USC is 1666 be a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Can you help with the credit let me know if you have late payments?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all required mail to the main three credit bureaus ( XXXX, XXXX, and Experian ) to place an initial fraud alert AND an extended fraud alert on my credit report as I have had fraudulent accounts opened, It doesnt show online that I have any fraud alerts on any of the credit bureaus. I have had fraudulent inquiries under my name and my information. I am a victim of fraud and identity theft. I need an initial fraud alert AND an extended fraud alert to be placed on my credit report on ALL three credit bureaus ( XXXX, XXXX, and Experian ) immediately. Thanks.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX Balance {$670.00} XXXX XXXX XXXX XXXX Balance {$990.00} DEPT OF ED XX/XX/XXXXXX/XX/year>
Product: Debt collection

On XX/XX/XXXX, I paid a leasing fee to a rental agency for an apartment. However, due to a XXXX job loss, I couldn't move in. I immediately informed the agency, resulting in the cancellation of my lease agreement. 

At that point, the agency did not refund my deposit. Several months later, on an unspecified date, I unexpectedly received a deposit refund from the company without any explanation. 

However, it wasn't until XX/XX/XXXX, almost XXXX years later, that the debt XXXX contacted me, asserting that I owe money. Interestingly, they had initially contacted XXXX XXXX, not me, back on XX/XX/XXXX. 

This raises concerns because they did not attempt to make contact with me until XX/XX/XXXX. This delay in notification, along with the absence of a validation notice, may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ). These laws require a debt collector to provide a validation notice within XXXX days of their initial contact regarding a debt. 

Moreover, it's important to note that on XX/XX/XXXX, before providing me with any validation notice, they reported this debt to the credit bureaus. This sequence of events has raised questions about the legality of their actions and the validity of their claim.
Product: Checking or savings account

On XX/XX/2023 I walked in to the Bank of America located at XXXX XXXX XXXX. XXXX XXXX, CA with all the correct credentials and opened a student checking account with my student refund check received from XXXX XXXX XXXX XXXX XXXX. The check was held for 24 hours, clearing the next business day. for two weeks after I used my account without any issue. On or about XX/XX/2023 I started having problems of not being able to access my account online, use my debit card, or access the app. 

On XX/XX/2023 I called the customer service department of Bank of America and was told that my account was being closed. I was giving no reason why. After speaking with several representatives I was finally transferred to a " manager '' who stated that my account was in good standing and I should be able to go into a branch and access my funds. 

I in fact was not able to access my funds and was told there was a " verification issue '' with my account opening and it was being closed. I was further told I could not access MY funds in the account and that the bank would send a check by XX/XX/2023. 

This is totally unacceptable! Bank of America is holding my money XXXX. I am a XXXXyear old student living in XXXX California alone with no family. I now have no way to pay my bills or rent, or buy food because Bank of America is holding my money and telling me there is nothing they can do. I have no explanation of why the account is closed but most important and the only thing I care about is that Bank of America will not let me access my own money.
Product: Credit card

American Express card company threatened me to sign a form that will give American Express authority to get my TAX Transcript form IRS directly. I always file joint tax return. Tax transcripts also show the Social security information of my family that I do not want to provide social security of my wife and of my children to American express. My family are not the account holder of American Express credit cards. Please advise American Express to verify my income through my XXXX / pay stubs, but not through Tax transcripts. American Express has sent me the email ( see below ) to sign the form XXXX. I am reluctant to provide unnecessary information of my wife and my children. I want to also notify that my whole record has been hacked as per OPM notification. American Express has threatened me if they do not get the signed XXXX by XXXX XXXX, 2015, they will close my credit cards and that will badly affect my credit report ( negatively ). In future, I will not be able to get a job because of such negative entries in my credit report. I pay the credit cards amount due on time. 
XXXX XXXXXXXXXXXX XXXX AttachmentsXXXX XXXX ( 1 day ago ) to me Office Hours : XXXX XXXX until XXXX XXXX ; Sat XXXX XXXX- XXXX XXXX ; Sun XXXX-XXXX, Eastern Time Office Number XXXX XXXX American Express recently requested that you complete and return a tax form called the XXXX in order to conduct a financial review. The XXXX authorizes American Express to retrieve tax information. We find the review process to be a necessary requirement in order to conduct our business in a prudent and successful manner. 



Detailed instructions on how to fill out the XXXX are attached, as well as in the American Express Fax Cover Sheet. In order to avoid closure of the account, it is critical that this information be completed correctly and faxed back to us within the deadline discussed by the American Express representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car using Associated Bank for Financing in XX/XX/2021, I made a payment in XXXX, unfortunately the car was in an accident in XXXX, I Called Associated Bank immediately, I asked if I needed to make XXXX payment, they said no as long as the insurance company pays them off in 10 days, I called Associated and got an email from XXXX that the loan was paid, in early XXXX I got a letter stating there was a gap in what the insurance paid and what was owed, I made a payment that day, made a payment in XXXX, and paid off the Account in XX/XX/XXXX, I received a 30 day delinquent notice to all 3 credit bureaus -this was reported falsely!!! I need this removed from my credit ASAP, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act POSSIBLE FINANCIALXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POSSIBLE FINANCIALXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then 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 or other personal consumer reports

I am writing to file a complaint to TRANSUNION regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report numbers associated with this complaint are XXXX and XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries and accounts on my credit file that has no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to a dealership and wanted to apply for a car and they said they was only going to do XXXX XXXX XXXX, however it was 6 other hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX