23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 I mailed off a " Request for VALIDATION, NOT Verification '' letter to " Americollect Inc. '' The company received my letter on XX/XX/2021 and someone from the company signed for it. Withing my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. After 30 days I mailed another letter asking for a request validation of the debt they say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter.
Product: Debt collection

For numerous times I have contacted XXXX XXXX to call their attention regarding the incorrect and inaccurate information of this account. I thoroughly reviewed the past reporting and I noticed the balance reported for the few months it keeps on changing. It started in XX/XX/XXXX with {$1800.00} balance, XX/XX/XXXX balance is reported as {$1800.00}, in XX/XX/XXXX it shows {$1800.00} and now in XX/XX/XXXX its {$1800.00}. I never agreed to pay interest or fees applied to this company debt and I never did business with XXXX XXXX. I am filing this CFPB complaint for not doing an investigation for the concern I mention. I need the CFPB to look into this and have this reporting taken off as promised AND my credit restored to perfect.
Product: Bank account or service

1. I opened a free business checking with BBVA Compass in XXXX 2. I opened a personal checking with BBVA Compass in XXXX 3. Unbeknownst to me and without my permission, a {$1000.00} line of credit was opened in my name and attached to my account 4. I closed my free business checking in XXXX XXXX and kept my personal checking. 
5. My access to business checking statements was removed from my online banking, and I have since been requesting copies of all statements for recordkeeping and business obligations 6. It has now been three weeks since I have been promised either paper or electronic copies of my statements. I have been contacted at my home to open a money market account in this period by the same banker, but no statements 7. I am in the process of purchasing a home and need income documentation. My calls to the branch manager have left me on hold for 30+ minutes and calls to my banker, XXXX unanswered. 

I am seeking the following : 1. My bank statements for BBVA Compass account # XXXX 2. Prevention of banks like BBVA Compass from opening lines of credit in their customers ' name without their permission 3. Instruction that my banker can not pressure me into a money market account Note : I have a high balance and income. & gt ; XXXX each.
Product: Credit card

I called the company to request the account closed and a final bill to be sent. I was never late on my payments. They left the account open and charged late fees. I called back twice and was assured that the account would be closed by my request, late fees removed, and sent the payoff balance. To my dismay after I paid my bill with one payment in full they took my payment and update my account with the creditors a negative collection closing by their request instead of by the true accurance that I requested closed, paid my bill in full and was never late.
Product: Credit card or prepaid card

This is regarding a XXXX US Bank credit card.. The card was acquired under false pretenses. I had a US Bank debit card and repeatedly contacted US Bank on how to make a direct connection. The software failed to connect. The option I was told was unavailable. I had this option with my XXXX debit and credit card. I got the credit card under pretenses that it would solve this situation. The credit card was able to connect to XXXX, although I could not connect my checking account. This was made worse by me not being able to manage my credit card on the US Bank website. It cause me a lot of hardship with not being able to manage my finances. They want me to pay the over {$5000.00} balance, which I refuse.
Product: Checking or savings account

I have several disputes I have done with Sofi bank from my card and online access information being stolen to falling victim of a scam to fraudulent activity on my account and being denied every single transaction that was disputed and their reasoning is no error occurred even though I was extremely clear about everything I told them on whats happened. All transactions are as fallowed : XX/XX/XXXX {$25.00} ; XX/XX/XXXX {$120.00} ; XX/XX/XXXX {$50.00} ; XX/XX/XXXX {$45.00} ; XX/XX/XXXX {$45.00} ; XX/XX/XXXX {$22.00} {$25.00} ; XXXX {$65.00} ; XXXX {$36.00} XX/XX/XXXX {$5.00}, {$30.00}, {$40.00}, {$40.00} ; XX/XX/XXXX {$15.00}, {$10.00}, {$10.00}, XX/XX/XXXX {$35.00} XXXX XXXX scam and unauthorized transactions XXXX XXXX XXXX {$43.00}, XX/XX/XXXX {$5.00}, {$15.00}, {$2.00}, {$15.00} {$12.00} ; XX/XX/XXXX {$15.00}, {$10.00}, {$10.00}, {$4.00}, $ XXXX {$4.00}, {$10.00}, {$15.00} XX/XX/XXXX fraudulent transactions and access to my account internal transfer {$450.00} & {$10.00}. 
Sofi dispute department has denied all transactions which I did not authorize, do or was a victim of a scam to and theyre allowing these scammer and theft steal my sons SSI check money and my business money Ive worked hard for.
Product: Credit reporting or other personal consumer reports

Hard inquiries are fraudulent Please need to removed XXXX XXXXXXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AT XXXX XXXX XXXX XXXX, TX XXXX HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF XXXX, I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW EVERY ACCOUNT THATS REPORTED BY YOUR COMPANY MUST BE VALIDATED,IF YOUR COMPANY CANT PROVIBE ME WITH THE ORINGNAL CONTRACT WITH MY WET SIGNATURE ON IT YOU MUST DELETE THE ITEM,ACCORDING TO THE (XXXX)
Product: Mortgage

Last summer I was notified by XXXX county that Freedom mortgage did not pay my 2016 property taxes and they had auctioned off the debt. It took weeks to get this issue resolved and Freedom ended up paying the debt. 

This past XXXX I got a letter from Freedom saying that I had missed by XXXX payment. I had made the same payment I have diligently made every month. I had not missed a payment. Freedom stated that they had raised my mortgage by approx {$400.00} dollars/month in order to recuperate the money they spent to cover the unpaid 2016 taxes. They said that there was now an escrow shortage I immediately began calling and emailing. There has been tremendous difficulty getting responses. I made an arrangement to spread the escrow shortage over 4 years. This increase would be approx $ XXXX over 48 months. I received a letter confirming this. 
Customer service stated that they had waived the XXXX late fees and agreed to the new payment plan. 
For XXXX I made the new payment that was {$100.00} more. 
I then received a notice saying again that I had missed another payment. 
I paid XXXX and XXXX. The XXXX payment was my original and XXXX was the {$100.00} more. As stated in the letter I got from freedom. 
Throughout this process I have made numerous calls and sent several emails trying to find a resolution. I believed this was resolved when I got a letter. 
I have been reported to the credit bureaus as having missed 2 consecutive monthly payments and my credit score had need affected. Freedom still shows me as being delinquent. I can not get hold of anyone, I can not get a call back, I cant get a response to an email, I have no way to get any sort of resolution. 
I need assistance. I need help getting through to someone at freedom to get this issue resolved. I need to know how to fix this and how to get freedom to fix my credit. 
Please help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a 609 requesting verification of a debt that is not my account with Experian and XXXX. Both agencies failed to verify the debt and in return the collection agency mailed me a fraudulent statement with an incorrect name, address and dates that can clearly be proven to be incorrect. I have disputed this account several times with no success of the account being properly verified, validated and/or deleted from my credit report. Both agencies continue to state that the debt has been " updated '' and that " account is disputed, consumer disagrees ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 

Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers. 

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct. 

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law. 
As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report, which I believe are inaccurate and violate several laws including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. The following accounts are of concern to me : XXXX XXXX, Account Number : XXXX I have no recollection of ever belonging to this account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the accuracy of information on my credit report and request that it be removed. Please investigate this account and remove it from my credit report immediately if you find it to be invalid. 

XXXX XXXX, Account Number : XXXX I have no recollection of ever belonging to this account. Under the Fair Debt Collection Practices Act ( FDCPA ), collectors are prohibited from reporting false or misleading information on my credit report. I demand that you investigate this account and remove it from my credit report immediately if you find it to be inaccurate or invalid. 

XXXX XXXX XXXX, Account Number : XXXX I have no recollection of ever belonging to this account. The Truth in Lending Act ( TILA ) and Real Estate Settlement Procedures Act ( RESPA ) require that creditors provide accurate and timely information to consumers. I request that you investigate this account and remove it from my credit report immediately if you find it to be invalid. 

I understand that it is important to have accurate information on my credit report, and I would appreciate your prompt attention to this matter. I also remind you of your obligations under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Billing Act ( FCBA ), and request that you provide me with written notice of any action taken in response to this dispute. 

Thank you for your assistance in resolving this issue. 

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

I have followed every required step to dispute inaccurate items on my credit report, yet they remain uncorrected. This situation is unacceptable and must be resolved immediately. 

I strongly believe these discrepancies stem from a data breach and demand their removal without further delay.

The Fair Credit Reporting Act ( FCRA ) exists to prevent situations like this, where consumers are subjected to unfair and inaccurate reporting. Allowing these errors to remain is not only a violation of my rights but is also harming my financial well-being.

Immediate action is expected.
Product: Credit reporting or other personal consumer reports

I have tried to get my credit report from Equifax and I am only getting error messages. I have called equifax XXXX times over the last month and have not gotten any help to fix this issue. I am not able to see my credit report, history or credit score.
Product: Credit reporting or other personal consumer reports

Experian is still inaccurately reporting personal information on my credit report, even though I had submitted a complaint and a dispute to remove these inaccuracies. 
THE FOLLOWING ADDRESSES ARE LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX WHICH IS VERIFIABLE BY MY VALID DRIVER LICENSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact XXXX about reporting false information on my credit report that they refuse to update. This information is not accurate and hurting my ability to gain employment and credit. I know by law that they are only able to provide accurate and truthful information. I asked that the following inquires be deleted over 60 days ago. I contacted XXXX and one of their employees admitted on a recorded line that they did and will not do a fair investigation and report correct information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to conduct a reasonable investigation into inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail ( tracking number XXXX ) requesting an investigation into these inaccuracies. Additionally, I disputed incorrect personal information listed on my credit report. I made sure to include a copy of my photo ID, social security card, and a recent bill with my current address to help Experian verify my identity and address. 

However, I received a response from Experian via email stating : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Experian has violated my consumer rights by not conducting the required investigation upon receipt of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX MB XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance {$360.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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

I got notification that federal XXXX XXXX XXXX reported one of my accounts as me being deceased. I did go to a notary today. Got a letter sign stating that I am alive. I will attach that document.
Product: Credit card

In XX/XX/XXXX, I initiated a {$3000.00} balance transfer to my Chase credit card, which carried a 0 % APR promotional rate valid until XX/XX/XXXX. I made the required minimum payments monthly, and no interest charges were assessed during this time. 

On XX/XX/XXXX, I made an online purchase for {$4200.00} using the same Chase credit card. On XX/XX/XXXX, I canceled this transaction, and the full amount was refunded to my card. I never received the product associated with the purchase. 

Despite the refund being for the exact amount of the purchase, Chase applied the refund in a way that removed the {$3000.00} balance transfer, which had the 0 % APR, and applied the remainder of the refund to the purchase balance. As a result, the entire {$3000.00} that had been part of the promotional balance transfer was converted into a balance subject to the standard purchase APR. 

I did not notice this until several months later, as I had AutoPay set to cover the minimum balance due. When I contacted Chase customer service, they informed me that it was their policy to apply refunds to the lowest APR balance first. However, under the Credit CARD XXXX of XXXX, any payments beyond the minimum are required to be applied to the balance with the highest APR first. 

This handling of the refund appears to contradict federal regulations, as it resulted in increased interest charges on my account. Additionally, Chase has not provided clear documentation in my credit card agreement to support this refund allocation policy. 

I believe this action unfairly manipulated the allocation of my refund in a way that maximized interest charges. This practice seems to exploit a potential loophole in payment allocation protections, to the detriment of consumers.
Product: Credit reporting or other personal consumer reports

I filed a XXXX  complaint with the company XXXX XXXX  regarding account XXXX. I informed them of incorrect information reporting, and they stated that the consumer reporting agencies may reflect an activity date based on their reporting, but XXXX does not directly report a date of last activity so why is Transunion reporting a date last active as of XXXX, while XXXX reports a date last active as of XXXX? Both are untrue, and inaccurate! This account is to be removed from my credit report due to FCRA violations. The correct information is below. I will be keeping record of our correspondence for court records. Also, I have proof from XXXX XXXX  that the information being reported is inaccurate. This false reporting not only compromises my creditworthiness but also undermines the integrity of the credit reporting system. See the correct information below and remove this account immediately : Open Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Current Balance : XXXX
Product: Credit reporting or other personal consumer reports

realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Consumer Loan

XX/XX/XXXX, my stepson, had started a new job. It was a good one, and it seemed that his life was starting to take a positive turn. My wife asked to help him with the purchase of more reliable transportation. We wound up purchasing a new Ford Focus through a dealership near XXXX, TX. I assumed that it would be reliable, and that he would have pride of ownership. I put in a {$2000.00} down payment and agreed to cosign the loan ( Regions # XXXX ). My Father had done the same for me when I graduated from college and I appreciated his assistance. The intent being that my stepson would handle the car payments, insurance, and operating costs. This all went smoothly for a year, until in XX/XX/XXXX, he was released from his employment. Although constantly reminded of his responsibility, he demonstrated minimal motivation for making the car and insurance payments. XX/XX/XXXX, payments began to falter. Being the only one who would respond to Regions calls about the delinquency, I had a number of conversations with your representatives to discuss possible resolutions. I did not see making the payments myself as a long term solution to the problem. I was able to buy a bit of time with the deferment of a couple of payments to the end of the loan with the hope that my stepson would make the payments as required.