23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

hello, and how are you? There is no way that these companies investigated this insurance or utility collection on my credit report. The same information continues to report on my credit. I honestly don't believe I owed this or original company any money and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last original company. How is that possible? For example, Each bureau reports that I was late on different dates, each bureau reports different balance, inconsistent with open dates. I thought a collection account is by default late or past due and it can not be reported as such. It's actually illegally re-aging the account and that's a simple violation itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  ( amount : XXXX original approx amount XXXX ) reported a loan as an auto loan when it is not. They are reporting a repossession when there is no vehicle bought with this loan. The loan was for tires purchase for a financed vehicle through them. That means they are reporting two repossessions for the same exact vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with experian. when I try to log on, I can not. I have sent numerous emails, phone calls, XXXX messages, reset password, confirmed user ID. nothing fixes it, no one responds, can not speak to a person on any phone number. the year of birth is wrong and I am trying to fix it.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The company started charging me with Interest and Fees for payment delayed due to technical and COVID-19 reasons. 

The payment was discussed and was reported with the agreement that if the payment gets delayed and the computer generates automatic fees and interest, it will be rectified and adjusted. 

The fear came true, however, the credit card company started demanding those charges and refuse to adjust it to XXXX. The payment due was paid in full and the company does not have any issues with it. 

Originally I disputed the wrong reporting with the credit bureaus, however, to retaliate the company closed the account discriminately.
Product: Credit reporting or other personal consumer reports

After serving XXXX consecutive years in XXXX  and multiple failed attempts to open a bank account once freed, I was informed that I some how was in XXXX XXXX XXXX  and XXXX  for fraudulent activity, from accounts that where clearly opened while I was locked up. I informed WELSFARGO that these accounts were not mine. I made sure to attach an ftc report, a Notice to furnisher of information, FCRA 605b ( 15 u.s.c. 1681c-2 ), copy of my ID, and proof of my XXXX  which shows an XXXX  date of XX/XX/XXXX ; and a XXXX  date of XX/XX/XXXX the record reflects that these accounts where opened inbetween my XXXX  date and XXXX  date yet and still they refuse to remove these accounts off of my consumer report thus robbing me of the opportunity to open a bank account. Which we all know is an essential element needed for a proper reintegration back into society. These people literally have my whole financial life on hold for fraudulent activities that clearly reflect on the face of the record, i had nothing to do with.
Product: Credit reporting 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 Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 ACCOUNTS LISTED ARE FRAUDULENT FOE YEARS SOMONE HAS BEEN USING MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

The account status is charged off and I never received 1099-c
Product: Debt collection

It seems like you want to create a formal " cease and desist '' letter addressed to an individual or entity ( possibly XXXX, though that could refer to a company or person ). Additionally, you want to include a mention of how reporting to your credit could be seen as a form of communication under **15 U.S.C. 1692c ( c ) **. To clarify, **15 U.S.C. 1692c ( c ) ** is part of the **Fair Debt Collection Practices Act ( FDCPA ) ** and refers to when a consumer informs a debt collector in writing to cease communication. The section outlines that once you notify a debt collector in writing that you no longer wish to be contacted, they must stop all communication except for specific instances such as informing you of certain legal actions. I'll create a basic cease-and-desist letter template for you, incorporating the relevant legal references. If you need any adjustments or specific details to be added, feel free to clarify! XXXX XXXX XXXX MI XXXX XXXX XXXX XX/XX/year> Re : Cease and Desist Communication / Reporting to Credit** Dear Sir/Madam, I am writing to formally request that all communication and attempts to collect debt be immediately ceased, in accordance with **15 U.S.C. 1692c ( c ) **. This section of the **Fair Debt Collection Practices Act** states that I have the right to request that you cease further communication with me regarding any alleged debts. As such, I hereby demand that all communication from you or your representatives be halted immediately. Furthermore, I would like to clarify that any reporting of this matter to credit reporting agencies may be interpreted as a form of communication. I would ask that you ensure no further negative reporting is made to my credit file unless it is in full compliance with all applicable laws and regulations. If you continue to report to credit agencies or otherwise violate my rights under the FDCPA, I will not hesitate to take appropriate legal action, including filing a complaint with the **Consumer Financial Protection Bureau** ( CFPB ), the **Federal Trade Commission** ( FTC ), and seeking legal counsel. Please confirm in writing that you have received this cease-and-desist request and that you will comply with my instructions. Sincerely, XXXX XXXX This is a general template, so ensure you fill in all the necessary details, and adjust it based on your situation. If you need any specific changes or have additional requests, just let me know!
Product: Checking or savings account

I am involved with the Bank Of America opening accounts issue. I was never a client of bank of america ever but i did get a bank card and a checking account information. ALthough i have tried numerous times to speak to a rep about this issue i continue to get disconnected and never get a person. I am continuing to get bank statements with this service fee that is adding up. What do I do to get my settlement.
Product: Checking or savings account

On XXXX, XX/XX/XXXX I deposited a third party check to my checking Chase account, check was pending and afterwards account was restricted. This check is under my boyfriends name and we forgot to double endorse the check with both signatures. Unfortunately Chase is withholding my boyfriend check and not releasing it. This is a tax refund check from the IRS, I spoke to the IRS and they told me Chase has to release this check because its a legal check. I contacted Chase more than XXXX times, problem is they want to verify this check with my boyfriend phone number which is activated and registered to him. Chase keeps saying this phone number is not registered with my boyfriend name but we have proof with XXXX XXXX  his number is under his name and its activated. Every time I try to contact Chase bank I have different kind of response when I ask how to remove the restriction which I dont know whos the one lying to me. Either customer service is not compatible with their clients because every customer service has different response. I dont know who to believe. I dont trust the Chase bank anymore. This check is a really big amount of my boyfriend check from his tax refund and we could verify it with his social security, passport anything from the government file we have and Chase just wants to hold our money just because of a phone number. I have been to XXXX Chase branch and they still wont give me my money. Even went with the owner of the check to the branch and still doesnt want to release the money thats in my account. How am I or my boyfriend supposed to survive without having this check and me without having my money in my Chase account. We have things to be payed, necessities, emergency things and important stuff.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed this account that does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or account that is found to be opened due to identity theft. The dispute account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this account. 
XXXX XXXX Balance : {$1600.00} If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that this account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I have not been contacted by this collections company ; however they are on my credit report. They have been in legal trouble with the federal government for this exact same thing before. This medical debt is not mine and they are using XXXX different company names for the same " debt. '' Central Financial Control on XXXX and Syndicated Office Systems on XXXX. False debt, no contact with me, yet they are on my credit report.
Product: Credit card

I have not had an increase on this account in over XXXX years. This account has been in good standing and I have not had high balancs and several inquires over the XXXX years. My account is flag to be blocked to request increases. Since my account with Citi cards, I have received new credit and All of my accounts are in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXXExperian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXThe companies listed above are reporting inaccurate/unverified information.The companies are reporting a paid, closed, or satisfied account as open with a balance. I recently check my credit report and see that UNVERIFIED/FRAUDULENT information is being reported to my account.Thursday, XX/XX/2018, I called XXXX XXXX/XXXX XXXX. I spoke with a XXXX   ID:XXXX which I have a voice recording for proof. The representative stated that Alleged Debt Of $XXXX  was sold meaning the debt was satisfied. The Alleged debt is being reported as a late/open account which is closed and needs to be removed.  The alleged debt was sold to who XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX for $XXXX. With whom I have no contact with, I did not grant permission or authorize the use of my information to be reported in any way. This is identity theft I do not know who XXXX XXXX XXXX is and I demand this information be removed immediately. I have requested that this Alleged that has been satisfied removed from my report.XXXX XXXX XXXX     XXXX                 UNVERIFIEDXXXX/XXXX/XXXX XXXX                 UNVERFIED
Product: Credit card or prepaid card

I ordered a phone from XXXX XXXX it was suppose to be next day delivery I never received it so I called the merchant and they told me they don't operate on weekends so they said that it would take 4 days longer so they canceled it because they couldn't refund just the overnight fee i have been constantly trying to resolve the situation the merchant says they have sent it back to Chime i have called multiple times
Product: Credit reporting or other personal consumer reports

The following inquiry and account doesn't belong to me, I need these items removed from my report. I didn't acknowledge any creditor to open any account in my name. These items must be removed immediately. It isn't a good reflect on my report please kindly update my address as well that is on my id thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I filled out an application for an apartment on XXXX that is located in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The supposed property owner XXXX XXXX   had stated he will be traveling and could mail the keys to me. As I am currently in XXXX and will be moving XX/XX/XXXX  to XXXX. He asked that I send $XXXX  to his partners Venmo Account XXXX XXXX venmo  name XXXX OnXX/XX/XXXX at XXXX XXXX. I sent $XXXX. The venmo   app said the payment was incomplete so I sent another payment of $XXXX at XXXX XXXX( 2 minutes after the first payment) Both payments went through and the second one was my mistake. User XXXX XXXX XXXX is stating he has not received either payment and it has been drafted from my federal credit union account on Monday XX/XX/XXXX I even called Venmo and an agent has stated the payments have gone through to a bank account ending in XXXX, however XXXX  keeps telling me to contact Venmo, saying XXXX XXXX account is frozen. That he has not yet been able to have access to the funds.I have been sending a request to XXXX XXXX from the venmo app for him to send back the money but the app says to contact him, stating the transaction could not be completed. I have been asking Venmo to look into this for me and I would like my $XXXX dollars back from the double payment. It is clear that I sent the extra payment by mistake and that something is wrong with this persons account. Due to the lack of accountability on Venmo's behalf I would like a full refund of $XXXX. If there is something wrong with his account per the Venmo agent I spoke to on Monday XX/XX/XXXX at XXXX XXXX She stated if you can not call the money back on the app then there is something wrong with this users account. I have multiple screen shoots of conversations with XXXX XXXX XXXX that will be attached as well.  I can provide the phone number of XXXX XXXX if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Vehicle loan or lease

I traded my car in on XX/XX/2019 with zero intentions of doing so. The first thing I told the sales person was that I was looking to get all information possible before I made a decision on buying. I never mentioned leasing because I was not familiar with it. I was told they would give me top money of XXXX XXXX  XXXX  for my car, and they ended up giving me a little over half. In the process I felt manipulated by the idea of leasing, and because I was compressed on time, they went over everything quickly making it sound like it was a great deal, made me lie about my monthly income so I could qualify, also mentioned the car was fully covered under a lease agreement and extra warrantys would not be needed which was not true. I make less than 20,000 a year and now Im stuck with a {$480.00} car payment because they pressured me into making a decision they knew I couldnt afford. Not to mention, they gave me way below the value cost on my old car. They also lied about making my first month payment, when in reality they took it out of my car trade in money with a {$960.00} left over after I reviewed the lease agreement. I have tried to get the deal refinanced but they keep telling me its not possible. I would hate to keep dragging this longer and take further actions.
Product: Debt collection

I disrupted this debt and told the company and collection agency that this not my debt or signature
Product: Debt collection

On XX/XX/XXXX I pulled my credit report and saw Monterey Financial Services as a collection on my report. I sent them a debt verification letter asking them to provide me with the following proof of debt and that they are allowed to collect : 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he promises to pay the creditor. 3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
On XXXX I received a letter from them that did not include verification of the debt I requested. So I sent a 2nd request to them on XX/XX/XXXX requesting the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
On XX/XX/XXXX their collections representative XXXX XXXX sent me back another letter saying they will cease contact with me and would communicate with my attorney only. I never requested to cease contact, I asked that they provide me proof of debt amount and that they can collect on it which is my right which they refuse to send. 

At this point they are refusing to show proof of who they are and that they can collect. And they are reporting to the credit bureaus that this is a defaulted account which they have not proven the amount on.
Product: Debt collection

Aspen National Collections is used by certain Timeshare companies to collect annual dues. Our annual dues for XXXX XXXX is about {$1500.00}. The dues are normally due in XX/XX/XXXX, but we couldn't pay them until XX/XX/XXXX. We made a payment to XXXX in the first week of XX/XX/XXXX. AFTER we made the payment, we received a notice for over {$1800.00} from Aspen National Collections. The day I received it, I called them right away and told them that this was a mistake, that we had already paid the debt. They said it didn't matter. We still had to pay {$1800.00}. I told them that I was sorry but I already paid the debt and I'm not paying it twice. 

Today ( XX/XX/XXXX ) I received a collection notice from Aspen that we owe them {$280.00}, which includes {$6.00} in interest. This collection is for their " fees. '' The fact remains that we paid the debt we owed to the timeshare company and we paid it directly to the timeshare company. And they accepted the payment. Now Aspen is asking for " fees '', but they did not collect the debt. The timeshare company did. So how can they be owed a fee? The Creditor is listed as the timeshare resort. How can the timeshare resort be asking for more money if we have already paid them? 

I am making this complaint in an effort to stop this collection.