23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a checking account with M & T bank where I kept a small balance. The account was set up to decline purchases that exceeded the account balance. 

The debit card for this account was linked to two companies that auto-shipped product : XXXX and XXXX XXXX. The card that was linked to these two accounts had an expiration date of XX/XX/2019. 

On XX/XX/2019, these two companies shipped product that exceeded my account balance. The bank authorized the charges which put my account in the negative. The bank then charged me two overdraft fees of {$38.00} each. 

I called the bank and argued that the shipments should have been declined because 1 ) they were charged to a card that was expired and 2 ) the account was set up to decline purchases that exceeded the account balance. 

I explained to the banks customer service agent that I had received the product and would pay for it but was not willing to pay the overdraft fees. The agent told me my only course of action was to file a dispute which I did. 

When I filed the dispute, the bank reversed payment to XXXX, but not to XXXX XXXX, while they investigated the dispute. 

XXXX showed proof of delivery, so the bank declined my dispute ; however, my dispute was not about product delivery, it was about overdraft fees. 

When I tried to place another order with XXXX, I discovered I was a delinquent status with them because they had not received payment for the product shipped in XX/XX/2019 ( amount {$180.00} ). I then paid XXXX this amount plus a {$25.00} XXXXhargeback fee. 

In the meantime, M & T charged off the negative account balance in the amount of {$350.00} and sent it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I explained the situation to the collection agency and told them I would pay for the {$99.00} XXXX XXXX charge, but not for the XXXX charge because I had already paid XXXX and not for the overdraft fees. They would not accept that and advised my only course of action was to file a dispute with M & T which I did. 

M & T came back with the same response : that I was liable for the entire amount. 

I have been in this loop since XX/XX/2019 without resolution. M & T is not conducting proper research before responding and the collection agency isnt in the position to act in my interest. 

This charge off affects my credit and I am now on a blacklist with XXXX which affects my ability to open a checking account at a new bank. 

I am willing to pay the {$99.00} for the XXXX XXXX services I received if M & T will acknowledge this as full payment and remove any negative reporting to credit bureaus and XXXX.
Product: Credit reporting or other personal consumer reports

My information/credit is been on high risk and been pulling it without my consent also been sending me some garnishments letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX  XXXX Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent CERTIFIED letters to EVERY collection agency on my credit report on XX/XX/XXXX. The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. In accordance with Federal laws these companies had FIVE days to response and validate these debts and had 30 days from when the bought the accounts to notify these accounts and never did that either either actions. I have NEVER received any letters indicating there were any collections on my credit files until recently when I accessed my credit through XXXX XXXX I also sent a 609 letter, a method of requesting the removal of negative information from your credit report, thanks to the legal specifications of section 609 of the Fair Credit Reporting Act. All credit bureaus have not even notified me they received my disputes even with CERTIFIED LETTERS SENT TO EACH BUREAU ON XX/XX/XXXX
Product: Mortgage

XXXX XXXX, homeowner, a received a " Denial Notice '' on XX/XX/XXXX, which ( 1 ) violated the Cares Act - Mortgage Letter for extensions. ( 2 ) Neglected/ Fail to Mention Covid-19 Forbearance Plan-Breached ( Agreement ) in the letter ( 3 ) Threaten foreclosure " As part of the review, we may order a Property Evaluation to determine the property value this is violation ( Consumer Financial Protection Bureau & Covid-19 Mortgage Loss Mitigation ( 4 ) Willful Neglect " Incomplete Information Notice by the specified date. '' Plaintiff, adds Reasonable Suspension as to defendant letter reference to " specified date as follows : ( Willful Intentional Neglect ) XXXX Letter " extending the COVID-19 Forbearance start date and HECM extension period to XX/XX/XXXX '' Navy Federal Credit Union is in violation of ( CFPB ) FINALIZES New Rule restricting Mortgage Foreclosures until XXXX. Under a ( New Rule ) Federal Rule Mortgage Services have to do more to help you avoid foreclosure if youve been affected by Covid-19.
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 USD 1681. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX *XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumers report containing any of the following items of information any other adverse item of information other than convictions of crimes wich 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 repoting agency if the person knows or has resonable cause to belive that the information is inaccurate
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 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 15 U.S.C 1681 section 602 A. States I have the right privacy.

15 U.S.C 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 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 ) states : 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 in inaccurate.
Product: Debt collection

I have disputed the validity of this debt for almost 2 years with NCC BUSINESS as well as with XXXX, XXXX and XXXX. They continue to send me notification that this debt has been validated without providing physical proof. On XX/XX/2018 I contacted the company that they allege that I owe debt to and they have no record of any debt being owed to them by me. NCC BUSINESS stated to me that they do not own the debt and that they are a 3rd party collector. When I asked who do I need to contact in order to resolve this matter I was told the company that they were collecting for was called XXXX and when I asked for their location and contact info, I was told by the collection manager at NCC BUSINESS, XXXX XXXX to " XXXX '' it. My XXXX search provided several results none of which I am able to pinpoint without further information but I also feel as though I should not have to search to find out this information. It should have readily been provided to me upon request in order to protect my rights. I have not been provided the accurate information on this debt and inaccurate information is being reported that is negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the validity of three collections accounts listed on my credit report, which were reported by XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts.

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency. 

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Product: Credit card

I 'm filing a complaint because the {$75.00} annual fee I paid for with my credit card includes a XXXX night free bonus when using the card. After collecting the annual fee, US Bank has decided to remove the benefit that I had already paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS PAST BEYOND THE STATUTE OF LIMITATIONS FOR ARIZONA. ITS BEING REPORTED AS IF ITS A NEW ACCOUNT JUST OPENED.
Product: Debt collection

Bonneville collections is reporting that I owe money for a debt that has been eliminated by their client. I am in receipt of a XXXX Balance invoice from their client, showing I owe nothing as of XX/XX/2016.
Product: Credit reporting or other personal consumer reports

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

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

Based on Fair Credit Reporting Act I have unknown inquires on my credit report that are 100 % inaccurate and the agencies have not removed them : Here are my steps : I called the Fraud department for the below Credit Agencies : XXXX Equifax XXXX XXXX XXXX XXXX After speaking to someone at each of the agencies about what I consider possible fraud since I don't recognize any of the extra inquiries on my credit report I was informed that the ones I have listed would be removed immediately. It has been 42 days that I have been waiting patiently and I decided to check today only to my surprise they are still there!!! 

I have been beyond patient yet my rights continue to be violated. I am about to lock all of my credit reports but The following listed below are the inquiries that are fraudulent : 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: Mortgage

I have sent numerous Qualified Written Requests to Bank of America on behalf of a client of mine. They have never acknowledged receipt of the letters, nor provided the information I requested. I have sent these letters to the correct address : Bank of America , N.A . 
Customer Service CorrespondenceXXXX XXXX XXXX XXXX, CAI have also asked for simple information. I seek only to know the identity of the investor or owner of the loan, and contact info for that person or entity.
Product: Credit reporting or other personal consumer reports

I have XXXX accounts still showing Late payments on my XXXX XXXX and Experian and these accounts are XXXX XXXX showing late for XX/XX/23 on Experian and XXXX but not XXXX. XXXX XXXX showing late for XX/XX/23 and XX/XX/23 on XXXX and XXXX but not even showing up at all on Experian. I filed a lawsuit with XXXX already and I am doing the same as of today with XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have lates reporting and I haven't been late since XXXX, and then I refinanced loans. I have three student loans and all the payment have been made correctly and on time. 

DPT ED/XXXX  amount Owed {$530.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX. I have never been late at all DPT ED/XXXX amount Owed {$21000.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX. I have never been late at all DPT ED/XXXX  Amount owed {$2000.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX. I have never been late at all
Product: Credit card or prepaid card

Im writing about the interest charged on XXXX. Ive contacted the Company several times asking them to waive the interest fee of {$68.00}, as it is the first time Ive ever not made the full statement balance payment. Every time they say they cant. That there is n't an 'offer ' on my account. Not sure what the big deal is. Ive been a very good customer. 
Id like it waived in part because as I explained ; this month, Id have to move money around to pay the minimum balance, which has gone up to {$100.00} for some reason not explained to me. Usually it is {$25.00}. 
Oh and while Im at it. I asked them to change the due date, which I see has not been changed. I talked with XXXX about that, via the Company 's online chat and he said he was making it happen, changing it to the XXXX I believe.
Product: Checking or savings account

On XXXX, 2021 My car was broken into while at the beach. My wallet, phone and car key were stolen. Within 2-3 hours the thieves had gone on a spree racking up {$35000.00} of luxury goods at stores we have never been to. All of the charges were reversed on our credit cards, however, CHASE has refuted the charges on our ATM card, which we assume they used as a debit card. CHASE has refused to reissue the funds stolen from us even though we have documented where we were, provided other card company 's decisions and a XXXX report stating we were with a mechanic at the time of the charges making a new key to drive for our car. We NEVER made retail purchase on this card. We have had negligible with withdrawals ( less than {$200.00} at a time over the past year ), we have provided all the pertinent documentation along with proof of these highly unusual charges on this card. CHASE continues to deny our claims of fraud because the charges were made ~ in person~ with an ID. The entire wallet was stolen so they had the drivers license as ID. We are now out about {$17000.00} from 3 different charges on the ATM card at high end stores. Please help us fight this fraud and get our money back. thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for an account using all of my consumer information at https : //www.netcredit.com then they quickly changed my password and locked me out of the account. No matter what I did they kept me locked out of it and completely ignored me
Product: Mortgage

I'm attempting to get on the loan of my mother that passed. And the bank is not allowing that. I have sent in all requested docs. At one point they were accepting my payments then stopped saying only the person whos name is on the loan can send in a payment. I have sent in the requested docs more than 10 times
Product: Credit reporting or other personal consumer reports

I checked my report and noticed that transunion is violating my rights Under 15.U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Inever gave transunion any written consent to report the accounts below. No consent is Identity Theft. As a consumer I am demanding deletion of these inquiries from my file -inquiry from XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I noticed it that in the last couples of months my XXXX score came down significantly. I'm always on time with all my payment and bills. I haven't request for a new credit cars or loans. Why my XXXX score decreases? This is negatively impacting my relations with my lenders. I would like to know the reason. Thanks.
Product: Debt collection

From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Sears. They refuse to provide the necessary information based on above mentioned letter ( Attached ).
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$990.00}.
Product: Debt collection

I 'm not certain who they are, but they keep calling, twice a day, from  XXXX . Today they called me multiple times on my work phone.     I believe it 's a company called AES. They have a fraudulent account on my credit. My father was able to get it removed, most credit reports removed it from mine. Only   XXXX   has n't.     They keep changing a late payment date from 10 years ago just to keep it on my report, but the thing is -- I have never had an account with AES, and have been fighting this for at least 8 years.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Your agency is in violation! 
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. 

Listed below are the Personal Information that are being challenged Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect Name : XXXX XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX  | XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a signed contract nor any contract with Sherman Financial Group. I have never done business with this company. I am not Liable for collection for this debt from XXXX XXXX XXXX. I am not responsible for this debt with Sherman Financial Group.
Product: Debt collection

3 Remaining Negative Accounts. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts.