23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is regarding a debt of which I XXXX XXXX advised the company XXXX XXXX XXXX XXXX XXXX. that I would pay a settlement or a portion of the amount owed by my son XXXX XXXX. My son XXXX XXXX gave XXXX permissin to speak with me regarding his account. Arrangements were made on XXXX/XXXX/2015 after receiving notification from local law offices that a judgement had been filed against my son however, we never received notification via mail of the judgement from XXXX In order to to settle the debt which the original amount owed was {$2600.00} however, the settlement I agreed upon was made for total of {$1800.00} a difference of {$800.00} taken off the original balance. The agreement made included giving XXXX permission to debit my checking account beginning XXXX/XXXX/2015 in bi weekly in the amount of XXXX to conclude when the total balance of {$1800.00} was paid off. I requested documentation of the settlement agreement with the current settlement balance owed on several occasions XXXX/XXXX/2015 and again on XXXX/XXXX/2015 speaking to several representatives who all told me they would not provide me with a letter outlining the agreement. XXXX representative told me on XXXX/XXXX/2015 that XXXX " did not put the current settlement balance on documentation just in case a consumer defaulted on the payment agreement then they could go back and recoup the original amount so they just left the original balance on all documentation. " I requested this documentation be placed in writing based on the companies past track record of unethical businesses practices under the FDCPA including continued collection on debt paid or not owed. Again after spending two hours on the phone I was not able to get the agreement in writing. I called the FTC regarding the issue and thus filed a complaint. I put the company on notice that I was filing a complaint with CFPB and I would be placing this in writing via certified mail that due to their refusal to give me something in writing of the settlement agreement and current balance owed that they were to cease debiting my checking account. I advised that once I received the written notice of the agreement that I would resume payments as agreed. XXXX XXXX should have been notified of any or all legal actions by XXXX prior to this company filing judgement thus, giving him an opportunity to clear up the debt however, proper notification was not made to him.
Product: Credit reporting or other personal consumer reports

EXPERIAN is in violation of 15 usc 1681b a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. EXPERIAN never had my written instructions and they did not do their due diligence to make sure I received full disclosure and an opportunity to opt out before they decided to furnish accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond adequately will force me to seek counsel in order to receive remedy for the damages EXPERIAN has caused me.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. This account was purchased by this person, as person is defined by the Fair Credit Reporting Act. I do not have a contract with XXXX XXXX and it's subsidiary XXXX XXXX XXXX XXXX. I was not provided the original contract, I signed in agreement as I requested, as this account was purchased. The account contains multiple errors in reporting pursuant to 15 USC 1681 ( e ) ( b ). In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer right to privacy and confidentiality pursuant to 15 USC 1681. 
XXXX XXXX XXXX : # XXXX has violated my consumer rights.

15 U.S.C. 1681 section 602 ( a ). States that I have a federally protected right to privacy.

15 U.S.C. 1681 section 604 ( a ) ( 2 ). States a consumer reporting agency can not furnish information contained in my consumer report without a written statement of permissable purpose.

15 U.S.C. 1681c ( a ) ( 4 ) ( 5 ). States, except as authorized under subsection ( b ), noconsumer reporting agencymay make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other thanrecords 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.

12 CFR 1006.34 1006.34 Notice for validation of debts.

( c ) Validation information.Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure.The statement required by 1006.18 ( e ).

Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure.

( 2 ) Information about the debt.Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

This account has been extremely damaging to my livelihood, and general mode of living. I have a special needs child that requires special in home equipment, and a XXXX with a lift. I am not able to receive the necessary financing because of the hindrance of this account. This is directly effecting the livelihood of my family, and is in direct written violation of the Fair Credit Reporting Act.
Product: Mortgage

01- XX/XX/2020 I refinance my home and paid off my old mortgage 02- XX/XX/2020 Per bank record, they mailed my escrow refund ck {$10000.00} 03- XX/XX/2020 Check NOT received until now 04- XX/XX/2020 I called the bank for my check and I was told that I have to wait for it. 

05- XX/XX/2020 I called the bank regarding ck. They told me they will stop payment and a new check will be issued. 

06- XX/XX/2020 I called the bank regarding my ck. I was told that they would stop payment and issue a new ck. I told them that in my previous call, I was told the same stop payment and issue a new check, which they did not do. Also, today, they told me, sorry, but you have to wait. 

BY THE BANK RETAINING MY ESCROW MONEY, THEY ARE HARMING ME A LOT AND MORE SO IN THIS TIME OF PROPERTY TAXES, VIRUS AND HOLLYDAYS. 
THE BANK SHOULD PAYMENT INTEREST AND PENALTY FOR USING MY MONEY AND LYING TO ME THE CHECK GOT LOSS. I DO RECEIVE MANY OF THEIR LETTERS ALL THE TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint in regards to the erroneous accounts being reported by the Credit Bureau on my Credit Report. I have read that the Credit Reporting Agency is required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Upon reviewing my updated Credit report, I immediately noticed that the Accounts in dispute are still reporting as late on. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the account, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureau to correct these accounts : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$26000.00}
Product: Checking or savings account

On  XXXX   XXXX ,  2017  ( overnight ), Check #  XXXX  in the amount of {$59.00} was processed through Bank of America  (  my checking account ). In RETALIATION TO MY PREVIOUS COMPLAINT against BOA, the bank is charging {$35.00} in fee 's because my BOA account was short of {$5.00}. I AM DISPUTING, BOA fee 's assessed in the amount of {$35.00} for Check #  XXXX . Today is  XXXX   XXXX ,  2017 , I have until  XXXX  today, to deposit the shortage of {$5.00} into my account. And, I am also DISPUTING , BOA 's  REFUSAL, to REFUND my {$70.00} for fee 's erroneously assessed to my checking account for the following check # 's on  XXXX   XXXX ,  2017  : Check # :  XXXX  in the amount of {$62.00} ; and Check # :  XXXX  in the amount of {$55.00}. I deposited the shortage of monies for these check 's in my checking account before  XXXX  on  XXXX   XXXX ,  2017 . How ever, BOA repre sentative REFUSED to acknowledge my deposited monies before  XXXX  on  XXXX   XXXX ,  2017 . I have my deposit sli p ( s ) to sho w that the necessary monies was deposited prior to the  XXXX  cut off. I am a VERY DISSATISFIED CUSTOMER for the ongoing practiced RETALIATION by Bank of America. I am requesting, ALL of my monies back for improperly assessed fee 's charged.   XXXX   @  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I was advised by a vendor that my PNC Visa credit card rejected their recurring credit card charge. I logged into my PNC customer portal and my credit card account was missing. I no longer had access to any of my account information including my monthly credit card statements. This creates a dilemma for me since I signed up for PNC 's paperless service and abruptly I no longer have access to my paperless records. These records are needed for income tax accounting purposes. 

I called PNC and was advised that a hold was placed on my account due to suspected fraudulent transactions. I obviously have no objection to that in light of the rampant fraud currently being perpetrated. 

All I'm requesting is access to my online records so I can download my paperless statements.
Product: Mortgage

To whom it may concern, I purchased my property in XX/XX/XXXX. In XX/XX/XXXX, I reached out to my loan servicing company to have my PMI removed. According to the company, I needed to have one of their approved appraisers go to my home to have it appraised before  the PMI could be removed. 

They stated to me that the cost would be {$580.00} to have one of the approved appraisers come to my home. I paid the {$580.00}, the appraiser came, and my house was appraised appropriately. 

After I received the appraisal, my loan-to-value ( LTV ) was below 80 %. On the company 's website, it claims that my LTV must be 80 % or below to remove the PMI. However, I received letters and have called the company several times and they have stated that my LTV must be 75 % in order for the PMI to be removed. I did not receive any paperwork or any statement at all that stated that my LTV needed to be at 75 % in order to remove the PMI.

I have reached out several times to this company, been on hold for hours, and keep getting transferred, rerouted or told I will " get a call back ''. I have also requested a refund of my {$580.00} appraisal fee. However, I was told that since the appraisal was completed, I can not receive a refund for the cost of the appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$23000.00}, {$8900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representatives, I am writing to formally request a review and correction of my credit report, which incorrectly includes an account that I closed due to its lack of utility and unnecessary financial burden. This account was closed by me on legitimate grounds, as it was no longer providing any benefit and was only generating unnecessary charges. The closure of the account was a conscious decision aimed at optimizing my financial obligations and had no relation to my creditworthiness or payment history. 

I fully understand the importance of maintaining a positive credit report, and I have always ensured that my other financial obligations are paid on time. However, despite my decision to close the account as part of a strategy to manage my finances, it continues to have a negative impact on my credit score, which is both unjust and unreasonable. 

There was no outstanding debt on this account, and the reason for its closure was based on its lack of utility, not due to any issues with my ability to pay. Given that this account no longer serves any purpose in my financial life, its continued presence in my credit report is misleading and unfairly distorting the true picture of my credit history. I respectfully request a thorough review of the circumstances surrounding the closure of this account and its removal from my credit report. 

The presence of this account, which was closed on my initiative, is negatively affecting my creditworthiness and hindering my ability to obtain credit and other financial services. This situation is creating unnecessary obstacles in my financial life, and it is imperative that this issue be rectified promptly. 

I have attached all relevant documentation that supports my case, including proof of account closure, correspondence with the creditor, and financial statements demonstrating my responsible financial behavior. These documents should provide a clear and accurate picture of my credit history. 

I kindly request that you review this matter as soon as possible and take the necessary steps to restore the accuracy of my credit report by removing this account. If this issue is not addressed, the continued negative reporting of this account will not only be unjust but will also infringe upon my rights to have a fair and accurate representation of my credit history. 

Thank you for your attention to this matter. I trust that a timely and fair resolution will be reached, allowing for the restoration of my credit score and the removal of any negative impact caused by this account. 

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

I am a victim of the Experian data breach, which exposed my personal and financial information to unauthorized parties. As a result, fraudulent accounts have appeared on my credit report, negatively impacting my credit score and financial standing. Despite multiple dispute attempts, Experian failed to properly investigate and remove these inaccuracies, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Timeline of Events : XX/XX/XXXX I was notified that my personal data was compromised in the Experian data breach. 
XX/XX/XXXX I checked my credit report and discovered unauthorized accounts that I did not open. 
XX/XX/XXXX I filed a dispute with Experian, requesting an investigation into the fraudulent accounts. 
XX/XX/XXXX Experian responded stating the accounts were verified, despite my providing evidence of fraud. 
XX/XX/XXXX I submitted a second dispute, requesting removal of unverifiable and inaccurate information. 
XX/XX/XXXX Experian failed to properly reinvestigate and continued reporting the fraudulent accounts. 
Violations and Issues : Failure to Investigate Disputes ( FCRA 611 ( a ) ( 1 ) ( A ) ) Experian did not conduct a proper investigation into my dispute.

Failure to Delete Inaccurate Information ( FCRA 611 ( a ) ( 5 ) ( A ) ) Despite clear evidence, Experian did not remove fraudulent accounts.

Reinsertion of Deleted Data Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Accounts that were removed previously have reappeared.

Failure to Maintain Accurate Reports ( FCRA 607 ( b ) ) Experian failed to ensure my credit file was accurate and secure.
Product: Credit reporting

For the past 3-4 months I have been denied credit from my credit union XXXX XXXX XXXX due to information on my Equifax report. As the representative and myself reviewed the information on my report, I found it to be inaccurate causing me to be denied without being extended credit. I notified Equifax Credit Bureau several times regarding this issue. I informed them that my XXXX account was missing off of my report and my XXXX account had no credit limit. With both of these creditors reporting inaccurately decreased my score about XXXX points. The XXXX card was appearing that it had a high credit utilization and my XXXX account which was never late was deleted from my account. After speaking with several representatives including a supervisor and later a representative from the upper management office, I was informed that my file is too large and no one would have access to receive a copy of my report for one year. He them explained that the file divided itself into XXXX files. I was later informed to have my credit union pull the report manually and call the business office to do so. I traveled back to XXXX XXXX to have them do as I was instructed to have XXXX XXXX pull My credit. XXXX XXXX XXXX XXXX then attempted to pull my credit and it was still inaccurate. XXXX them called Equifax again and was informed to wait and re- pull it which he did. During the end of month of XXXX the credit report was able to be accessed. I then attempted to try it again later and it was locked again not only to creditors but once again to myself and my monitoring agency ( XXXX ). As of today, my report still can not be viewed by creditors reflecting the accurate information because I was told on Monday XXXX XXXX, 2015 that it would be approximately a year before the issue would be solved and the file would be combined into XXXX file. I have medical issues and a daughter graduating from college and desperately need to get this issue resolved in order to be granted a loan. I am getting no results and/ or no clear understanding from Equifax XXXX this continue to occur and when it will be resolved.I need help with this company because they pretty much refuse to give me any information besides it will take a year to update my report to reflect accurate information. In following the instructions from Equifax, it has also caused several inquiries from the same company which is XXXX XXXX XXXX. I have at least XXXX inquiries from this company in about a month in a half period because Equifax was informing me that the issue was resolved and it was not. They also said that they ca n't do anything about the inquiries that was made from this company. I informed Equifax that credit was only pulled because you advised me that the issue was resolved. Furthermore, Equifax, on XXXX occasion spoke directly with the loan officer from XXXX informing him that he could pull the report again because the issue was resolved.I really need resolution because I am not getting anywhere with Equifax at this time- please help me. I have no problem with XXXX and XXXX.
Product: Payday loan, title loan, or personal loan

Wells Fargo reporting late payments past Due 30 days and balance incorrect. I reached out to the loan department several times this year regarding the impact the pandemic has cause my financial circumstances. I still managed to make payments. I made a partial payment XXXX they reported late on XXXX. My principal balance is {$120.00} to date they report a balance of {$640.00}.
Product: Mortgage

The fraudulent acts of deception must stop ... The company ( The CBE Group , Inc. ) Is now a party of the deception an have violated the law. I from on my credit report a false statement for {$150000.00} as a past due balance .... XXXX is liable for the {$250000.00} in damage s as of ( XXXX/XXXX/2016 ) and company listed for collusion of Criminal Conspiracy scheme.
Product: Checking or savings account

CHASE BANK LETTER ( ATTACHED ) DATED XX/XX/XXXX. CHASE BANK HAS INTENTIONALLY DECEIVED, INTENTIONALLY MISLED AND INTENTIONALLY IS ENGAGED IN DECEPTIVE BUSINESS PRACTICES AS CONFIRMED IN THIS LETTER. THE ISSUE AT HAND IN THIS LETTER IS THAT CHASE CLAIMS A BALANCE DUE AND OR AN ACCOUNT IS OVERDRAWN. 

I HAVE ATTACHED 3 PIECES OF EVIDENCE FROM CHASE THAT CHALLENGE AND DISPROVE CHAS CLAIM : 1. A CHASE STATEMENT DATED XX/XX/XXXX THROUGH XX/XX/XXXX. IN THIS STATEMENT AND ON XXXX/XXXX/XXXX CHASE PROCESSED A CREDIT DDA CHARGE-OFF FOR {$39.00} THERE WAS NO BILLING AND OR COLLECTION ATTEMPTS TO WARRANT A CHARGE-OFF, YET CHASE DID. BALANCE CLOSURE OF XXXX. 

2. A CHASE STATEMENT DATED XX/XX/XXXX THROUGH XX/XX/XXXX. IN THIS STATEMENT THE FINAL DIRECT DEPOSIT FROM THE UNITED STATES TREASURY WAS RECEIVED ON XX/XX/XXXX WITHDRAWN AND CLOSED ON XX/XX/XXXX. BALANCE CLOSURE OF XXXX. 

3.A CHASE BANK BRANCH RECEIPT DATED XX/XX/XXXX. THIS RECEIPT WAS GENERATED BY A TELLER AND SHOWS A BANK ACCOUNT BALANCE OF XXXX. 

4. CHASE PROCESSED A CHARGE-OFF WITHOUT THE LEGAL REQUIREMENTS TO PROCESS A CHARGE-OFF. 

5. CHASE BANK 45 DAYS AFTER ACCOUNT WAS CLOSED ON XX/XX/XXXX BILLED FOR A CHARGE-OFF, CLAIMING NOW IT WAS A BALANCE DUE. 

6. THIS IS AN ACCOUNTING AND TAX BENEFIT THAT CHASE RECEIVED QT 4 XXXX AND QT 1 XXXX A LOSS THEN REVENUE. A VIOLATION OF THE SEC RED FLAG RULES. 

7. CHASE MOST LIKELY CREATED THIS SCHEME TO DECEIVE AND CAUSE FOR CONSUMERS A CHARGE-OFF TO REPORT TO CREDIT REPORTING AGENCIES TO JUSTIFY A CLOSURE AND REPORTING. IT ALSO IS A RETALIATORY ACTION TO INTIMIDATE OR CONFOUND CONSUMERS