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

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX  specifically debt bondagewhich falls under trafficking as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage.

According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information.

I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request.

I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.
Product: Debt collection

So i Voluntary surrendered a car to XXXX XXXX they sold the debt to NCB management every time I call NCB management theres no way for me to make a payment. They said they sent it over to this lawyer office. XXXX XXXX XXXX pl they put a judgement on me from ncb management but when you call the are debt collectors not lawyer they claim they are but not they want me to send them a check cant pay by card and I cant pay ncb management directly bc when I call ncb management they say track is managing this account they they send you to XXXX XXXXXXXX XXXX XXXX XXXX another debt collection company who is not reporting on my credit I am trying to resolve this debt that is being charged interest but cant bc I cant pay ncb directly so there running so type of shady business because I owe them the money not hayt hayt place thats not even on my credit please help
Product: Credit reporting, credit repair services, or other personal consumer reports

i previously notified you that I am a victim of identity theft. I am also stating that I did not receive any good or anything from the false information that is on my report that belongs to someone else.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX5 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IA XXXX Account # XXXX Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : ( XXXX, XXXX ( XXXX, XXXX ( XXXX ( XXXX, XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive.

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California and XXXX XX/XX/XXXX XXXX Cc : XXXX XXXX  States Attorney General
Product: Checking or savings account

I was assessed a {$25.00} " Advantage Monthly Maintenance Fee '' on XX/XX/XXXX. I have known for over XXXX decades that as long as I have a first mortgage with Bank of America, the monthly fee on my checking account would not be assessed. And thus has been the case, until XX/XX/XXXX. 

When I saw this fee yesterday ( XX/XX/XXXX ) as I was reconciling my bank statement I contacted Bank of America via chat. The chat agent stated that the reason I was assessed the fee is because the balance in my checking account had dropped below a certain minimum. The agent listed the requirements to avoid the fee ( XXXX of which was having a first mortgage with Bank of America ). When I pointed out to the agent that I have a mortgage, and have not been assessed the fee before, the agent stated they would refund the fee but refused to do take any further action to assist me in preventing the fee from being assessed in the future. Eventually, after I repeatedly asked for the chat to be transferred to a supervisor and the agent repeatedly refused, the agent disconnected the chat. 

I then called Bank of America and spoke with a person named XXXX ( I believe ) who tried to assist me. She was very patient and spent over XXXX minutes researching the issue. After reaching out to her supervisory team, her final response to me is that my mortgage doesn't qualify to have the fee waived because " The mortgage description states it is a corporate loan on our system. '' I explained that nowhere on my online banking does it state that it is a corporate loan, and that it has been a consumer mortgage ever since I first obtained it. I also explained that I have not done anything differently, and something must have changed in Bank of America 's system for me to suddenly be charged. 

XXXX stated there was nothing else they could do, and that they refused to escalate the matter further by telephone. XXXX stated that my only recourse is to visit a banking center ( aka a local branch ) and speak with someone there. 

At this point I wish to file a complaint to bring to your attention the following : XXXX Bank of America has employed an unfair, deceptive practice by suddenly charging a fee with no reason. 
- Bank of America refuses to honor their own policy of not assessing a fee when a customer has a first mortgage with Bank of America. 
XXXX Bank of America has employed a deceptive practice by stating that a mortgage loan " appears as a corporate loan '' on their system when in actuality it is a consumer loan and there is nothing on my online banking portal that indicates otherwise. 
XXXX Bank of America is practicing an unethical and perhaps illegal action by suddenly charging a monthly fee when nothing has changed. 

Although the monthly fee that was charged in error is apparently going to be refunded, Bank of America has stated that I will continue to be charged the fee in the future. They have refused to research this matter further. 

I appreciate your attention to this matter.
Product: Debt collection

Fair collections and outsourcing are reporting on my credit report saying I owe them a debt. I never agreed or signed any contract with FCO. They sent me a contract via cfpb with a signature that is ntot mines and lied saying I never contacted or spoke with anyone verbally. I have no abiding contract with FCO and they refuse to stop reporting on my credit report. They are in violation with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I settle this account and the company refuses to report the correct amount and still show this with an open balance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment reported on my credit report for my auto loan account with XXXX XXXX XXXX. The late payments in question occurred because my due date is the XXXX of each month, but some months do not have 31 days. In these months, I made my payment on the last available day ( e.g., XX/XX/XXXX, XX/XX/XXXX, etc. ), which should be considered on time.

According to the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate. Because my payments were made in accordance with my due date, I request that you correct these late payments with the credit bureaus and update my account status to reflect timely payments. 

I have attached the following supporting documents : 1. A copy of my loan agreement confirming my due date is the XXXX. 
2. Proof of payment history showing my payments were made on the last available day of months without a XXXX. 

Please investigate this matter and confirm in writing that the late payments have been removed. If you find that my dispute is valid, I also request that you notify Experian, XXXX, and XXXX to update my credit file. 

If you believe the late payments were correctly reported, please provide a written explanation detailing how a XXXX due date should be handled in months with fewer days. 

I appreciate your prompt attention to this matter and expect a response within 30 days as required by the FCRA. Please feel free to contact me at [ Your Phone Number ] or [ Your Email ] if you need any additional information. 

Sincerely, [ Your Name ]
Product: Credit reporting or other personal consumer reports

I am seeking your assistance regarding the false account listed on my credit report. This issue has negatively affected my reputation, and I am counting on your help. Due to the mishandling of my credit report, I have suffered greatly, and my reputation has been seriously harmed. You need to remove the incorrect information from my credit report.
Product: Debt collection

After revoking permission on XX/XX/2017 with employee XXXX to call my cell phone, I received a call from another male employee on XX/XX/2017. When I stated to him I had revoked permission and I did n't want them calling my cell phone, the employee told me to " shut up '' and this was not going away. I then hung up, called the main office number and XXXX picked up. I told her I wanted to speak to someone because I had reviked permission for them to call my cell phone and she put me on hold and the same male who verbally abused me minutes earlier picked up in began to tell me again to shut up and he was going to file harassment charges on me for calling his office.
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 acct. # XXXX and, XXXX XXXX XXXX XXXX XXXX has violated my rights. They continue to send me paperwork for phones i've never had and they were sent to an address im not familiar with at all. Also, the contract has a computer typed signature ... This is not my account at all. 

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.

These negative, not-valid, erroneous accounts have caused me tons of stress and caused me to lose employment opportunities an some increased fees and money in my life... PLEASE HELP CFPB.

Thanks in advance
Product: Debt collection

The debt collector stated that she spoke to the landlord after I made an offer of {$3000.00} as settlement, and they countered with {$7000.00}. I made XXXX payments totaling {$5000.00}, then reached out directly to the landlord asking if they would take the {$5000.00} as settlement. They agreed that {$5000.00} would settle the debt, and the debt collector was copied on the email thread. The debt collector then responded with a settlement letter verbiage in the email that stated " Confirming, we have received your payment in full of {$5000.00} for our client. Upon Clearance of the funds, all money owed will be considered paid in full. This payment will also serve as full legal release to Case XXXX. 
A month and a half later, and it is still showing on my credit, so I reached out to the debt collector asking why they are still reporting the full amount due on my credit. She responded asking if I wanted to settle the balance, which was very confusing since we already agreed what I had paid was considered settled in full. The debt collector was disregarding previous communications, and was still trying to collect the additional {$2000.00} for herself and/or her company. I responded stating this is unethical and dishonest, and reminded her that their client had agreed to accept what I had paid as in full. She refused to send me any additional settlement letter that clearly states the account has been settled in full, was very rude to me, and hung up on me. She harassed me before I even made an offer by repeated calls and voicemails.
Product: Credit card or prepaid card

The following charge appeared on my XXXX XXXX XXXX XXXX ( issued by Barclay XXXX XXXX - https : //www.barclaycardus.com ) - the below information is copied from my current activity as listed on their website : GoFndMe* salvemos alos Ar Account ... XXXX {$390.00} XXXX Points PURCHASED BY XXXX XXXX TRANSACTION DATE Saturday, XXXX XXXX, 2021 POST DATE Sunday, XXXX XXXX, 2021 MERCHANT LOCATION* XXXX XXXX CA XXXX XXXX XXXX NUMBER XXXX MERCHANT CATEGORY CHARITABLE AND SOCIAL SERVICE ORGANIZATIONS I did not make the above donation - and I contacted XXXX on XX/XX/XXXX XXXX soon as I noticed the fraudulent transaction. It has been more than the 10 business days I was informed it would take to investigate, and XXXX has not sent me any communication regarding the charge, and has not taken any action to investigate. 

I have spent many days on hold with their " fraud department '', but have yet to speak to anyone there. It is nearing the end of my statement month, and despite assurances by representatives that I would not be liable, when I log into my account ( or call ), their system tells me that I owe {$390.00} I can't afford to have a late payment show on my credit report, but they are most definitely dragging their feet and making no apparent attempt to resolve this dispute. 

I have also reached out to XXXX, but have made no headway there in terms of determining where the charge came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my federally protected XXXX  rights. I have never given the any written instruction to furnish any credit report on my behalf. Also, they are reporting nonpublic information on my XXXX report which is a violation of my privacy. XXXX XXXX XXXX 15 usc 1681 ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 )
Product: Credit card or prepaid card

On XX/XX/2021 I made a purchase over the phone with Macys customer service for XXXX pair of shoes brand XXXX. Same month when I was trying to pay my Macys monthly bill I notice that my account was overcharge on the amount of {$1700.00} without my authorization so I call Macys to figure out why that charge. 
The say that I was being charge for a watch in the amount of XXXX then I explain to them that I didnt purchase or order any watch from Macys XXXX the apologize and told me they commited a mistake and that the amount of XXXX XXXXXXXX was going to be refunded, and they did, but after 2-3 months the charge my account again for the same amount so I called again to Macys and they open an investigation, after the finish the investigation wich the case was on my favor the post an online letter letting me lnow that the case os close and the money was credited in my account. Then on XX/XX/2021 the charge me again for {$1700.00} cents but this time they said that there is nothing they can do and that Im responsable for the charge after the case was close and final decision was made, the letter of the evidence was deleted from my macys account and the said thai have to pay for something I didnt order and it was their mistake, the keep transferimg me to all theor department and nobody give me a solution, they start being rude, hand the phone on my etc etc. 
I help with this case pls, its been long time and this company is not doing anything to resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute these online via the application using XXXX, to no avail.I never authorized XXXX, Department of Education XXXX XXXX XXXX XXXX, or XXXX to share my personal information with anyone. This was never a loan. I am aware this entry was merely a creation of numbers and decimals, obtained by my signature. As noted in UCC 1-201 ( 24 ) and UCC 3 ( 104 ). This was a consumer credit transaction. An extension of my own credit, as there has been no real money since XXXX, therefore all debt is XXXX and otherwise the responsibility of the United States. In accordance with XXXX XXXX Part XXXX and the Privacy Act of XXXX, I wish these entries to be removed from my credit report, simply because I did not authorize them. These entries are showing a " current '' report status even though some are XXXX years of age. I did not nor do I now consent to my personal information being shared. It is fact that my signature secured this transaction. Please remove these immediately, as this is constructive fraud. 
Reference # XXXX. There are XXXX total entries totaling {$24000.00}. Transunion, XXXX, and XXXX are not even credit bureaus, they are private agencies playing with people 's lives. Straight fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported in XX/XX/XXXX 2017 30 day late 's. They agreed to remove the lates. I was rescuing people in hurricane. They had my phone number incorrect and never called me. after speaking with supervisor they agreed to take it off my credit report. I can't refinance my home due to this late and might lose my home. Please help. -
Product: Credit reporting or other personal consumer reports

Ever since TransUnion and Equifax had a data breach, wrong information has been appearing on my credit report, i have tried many times to get this information removed to no avail. I attempted as late as of today. 

I need help with getting my credit report cleared up. This is causing extreme hardship for myself and my company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/information below : XXXX  XXXX
Product: Vehicle loan or lease

Capital One Auto Finance has modified my original loan by extending the duration of the original loan beyond the maturity date as well as increasing the over-all amount owed and did so without my consent. I became aware of this in XXXX of XXXX, only because of another loan modification Capital One did, also without my consent. Since then, Capital One has made no effort to correct this matter what-so-ever ; despite numerous requests to not make any modifications to the original loan. Capital One blatantly proceeded to ignore my requests for the reversal of these extensions that occurred between XXXX of XXXX thru XXXX of XXXX only 6 months after the original loan began in XXXX of XXXX. Also, Capital One continued to extend the loan once again in XXXX of XXXX without my consent or informing me what-so-ever. Capital One has purposely lied to me and misdirected me towards the appropriate measures to resolve the loan being put back to it's original format. Capital One has breached my original contract by modifying the loan without my consent.