23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to provide copy of sign agreement, applications, and any other documents that show three accounts are being reported accurately. Experian said each account was being reported accurately, but never provided any documents to prove so and all three accounts still show inaccuracies listed below. 
Dispute Letters Sent : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX o Inaccurate Date opened, conflicts with XXXX and XXXX o Inaccurate Contact Information for address, conflicts with XXXX and XXXX  o Says Payments were made on to creditor on XX/XX/XXXX and XX/XX/XXXX and also reported it was charged off. I never made payments to XXXX XXXX XXXX   on those dates and how can payments be made to a charged off account? 
o Reports {$0.00} high balance, XXXX reports {$450.00} o Theres an XXXX month gap between date opened and first month reported, what documents with my signature or application were provided to verify account before being reported. 
o Failed three times to provide copy of signed agreement to show theyre allowed to report account per section XXXX XXXX XXXX XXXX o Inaccurate Date opened, conflicts with XXXX  o Inaccurate Contact Information for address, conflicts with XXXX  o Reports {$0.00} high balance, XXXX reports {$240.00} o Reports failed to pay on XX/XX/XXXX, XXXX reports Paid as agreed o Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section XXXX XXXX XXXX XXXX XXXX XXXX o Inaccurate Date opened, conflicts with XXXX   o Inaccurate Contact Information for address, conflicts with XXXX o Reports {$0.00} high balance, XXXX  reports {$590.00} o Reports failed to pay on XX/XX/XXXX and XX/XX/XXXX, XXXX   reports Paid as agreed o Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section XXXX Conclusion : Experian has failed three times to accurately verify the account or never attempted to verify account
Product: Credit reporting or other personal consumer reports

My XXXX account was disputed and is negatively reporting as unpaid on my consumer report with Experian. Experian and XXXX did not correct my account. They did not update my payment history or payment status as paid to my consumer report file. My account is paid in full but is reflecting a 60 day past due balance of {$81.00} for XXXX last recent payment with XXXX was on XX/XX/XXXX in the amount of {$30.00} and {$51.00}, which satisfied my payment obligations under my XXXX contract. This information is not current on the consumer report but is reflecting a payment from XX/XX/XXXX in the amount of {$41.00}. Also, my payment history is reflecting 14 months instead of 12 months as outlined in my XXXX loan contract. The negative reporting of the payments history from XX/XX/XXXX thru XX/XX/XXXX is incorrect. Also, my account is supposed to go into a positive history XXXX/XXXX although it has been 100 percent paid off as of XX/XX/XXXX. 
There are serious violations of the FDCPA, California consumer laws violations and Metro 2 violations associated with this account such as the followings : FDCPA Violations ( 15 U.S.C. 1692 ) Misrepresentation of the Debt Reporting a balance of {$81.00} past due for XX/XX/XXXX when the account is fully paid off is a deceptive practice. This violates 1692e ( 2 ), which prohibits false or misleading representations about the amount or legal status of a debt.

Unfair Practices ( 1692f ) Continuing to report a balance and negative payment history when the account has been paid in full is considered an unfair and unconscionable collection practice. 

Metro 2 Compliance Violations Payment Status Metro 2 guidelines require that once an account is fully paid, the payment status must be updated to " Paid in Full '' or " Closed. '' Failing to do so is a breach of Metro 2 reporting standards. 
Payment History Timeline Reporting 14 months of negative payment history instead of the agreed-upon 12 months violates the guidelines for accuracy and consistency. Metro 2 requires historical information to be reported precisely according to contract terms.

Current Balance The Metro 2 standard for reporting closed accounts requires the balance to be updated to {$0.00} when fully paid. Reporting {$81.00} as past due violates this requirement.

Timely Reporting of Positive Status Metro 2 mandates that future statuses or changes to the account ( e.g., transitioning into positive history by XXXX/XXXX ) be reflected accurately and on time. 

California Consumer Laws California XXXX Fair Debt Collection Practices Act ( California Civil Code 1788 ) California law prohibits misrepresenting a debt 's status. Reporting the account as past due after payment violates California consumer protection laws. 
California Consumer Privacy Act ( CCPA ) Failing to ensure accurate reporting and securely manage your payment data could result in a violation of your privacy rights.
Product: Checking or savings account

I have been referred to the bank with XXXX forms of ID too many times to count. I been left stranded in XXXX where I live due to agents putting my accounts in credits only state. I been discriminated against yelled and told to go find a bank back where I live in XXXX. I have filed fraud claims and that's when my account gets suspended/referred to the bank. Last time I was at the bank was XX/XX/year> with XXXX forms of ID and was told by fraud servicing to open a new account to avoid anymore fraud and having to go to the bank. Today is XXXX XX/XX/XXXX and I am now being referred to the bank just as before in the old accounts. None of the claims I have ever filed have been resolved or any of my money recovered. The claims don't get filed correctly yet I get locked out and completely ignored. They refuse to listen ti me or help me. I leave back to XXXX tomorrow XX/XX/XXXX and have no way of going to the bank again because I'm not going to miss or change my flight to go back home. They wanted me to come and I did XX/XX/XXXX in XXXX CA with branch XXXX XXXX.
Product: Credit card or prepaid card

I have been a loyal member of Capital One credit cards for around 12 years. Over the past decade I've never missed a payment and have maintained near perfect XXXX. Both my personal line and business accounts have extensive credit lines. 

A few months ago I opened a new account to manage my real estate rentals. Capital One offered a very small credit line for this account. Recently, a utility company tried to collect payment and attempted to charge the card several times but since I was just shy of the available credit on the card the charge repeatedly did not go through, but rather was flagged as returned payments. 

Without notice or warning, and after a dozen years of flawless credit history, Capital One abruptly canceled all four of my credit cards, closed my accounts and kept my rewards points that I had accumulated. 

I called and spoke to two different managers today and both were sympathetic and apologetic but said they could not do anything to help. I was shocked, appalled, outraged, and confused all at the same time. I'm assuming this was a flawed computer algorithm that canceled my accounts due to 'returned payments red flags ' and thus avoided the common decency of contacting me ( via call, text or email ) to indicate there was an issues prior to taking such drastic measures. I can understand if a machine determines I am high risk for some odd reason but can not believe they removed the entire human element out of the equation and left no option for resource in its wake. 

I have strong credit and plenty of liquidty to service my debt, yet now it appears I'm going to suffer the credit wrath of four closed simultaneous accounts, two of them are sizable and have significant history behind them. This seems beyond ridiculous.
Product: Mortgage

I applied for a home loan ; they were going to pull money out to fix the roof, cut the trees, and do general repair the are badly needed. The VA sent an appraiser out to my home that was here for like 5 minutes. He downgrades the property, which is insane ; the property is 7 miles for the ocean, and major upgrades have been made to the home. So, the loan process came to a complete halt, and I had to excellent another type of loan know I retired, so my income changed, and the only thing I qualified for was an eral VA loan. 
Under this program, there not income verification, so I qualified. I've made serious upgrades to the property, and new XXXX room, a laundry room, I furnished two XXXX rooms, 1. https : XXXX? XXXX & XXXX XXXX https : XXXX? XXXX & XXXX So, the XXXX takes months to go through months! So, I still paying the contractor for put the second XXXX  to I was told to be ready to make a payment in two months after the loan was approved, but I was not notified by any mortgage company giving you a 30-day window to be ready to pay a XXXX note. I'm in my car driving, and I received a text the I would be 30 days late on a mortgage payment! I did not receive a welcome packet or any correspondence at all. So, I called the text, and this was the new mortgage company notifying me on the XXXX of the month that my payment was supposed to end on the XXXX. The Company is Quicken Loans ROCKET Mortgage loan number XXXX. 
On and by the way, I'm as SUPERHOST on XXXX! 
I XXXX  as an XXXX  from the XXXX. I was checking the mail every day for my XXXX plates, which have not come yet, so I would have seen a letter or a packet that was not sent to me. This company lied out the gate and are treating different hero witch is just disrespectful, and anyone, let alone a veteran, should to treated in this manner.
Product: Checking or savings account

In an effort to recover the {$8000.00} hacked and stolen money from my checking account with OZK Bank of Arkansas who refused to return the money to my account. After numerous meetings and correspondence with the bank to resolve the issue they still refused citing an obscure " Regulation E '' of the Dodd-Frank Act as the reason. ( See attached " Certified Letter to the President, XXXX & XXXX, of OZK Bank of Arkansas, XXXX XXXX '' explaining what took place. I never received confirmation it was signed for! No response at all from XXXX XXXX. 

There are a number of personal reasons that occurred during the period in question of my hacked account that were not considered including : ( I should have been offered an extension to the " Regulation E '' considering the circumstances leading up to the hacking ) ( 1 ) Covid-loss of income. 
( 2 ) XXXX XXXX. 
( 3 ) XXXX XXXX Diagnosis & Treatment. 
( 4 ) XXXXe- Problem sending and receiving texts, emails and internet. 

I filed a lawsuit with 9th District Small Claims Court in an attempt to recoup some of my losses ( up to {$5000.00} ). Bank OZK responded with an offer of {$500.00} to settle the case which is not acceptable. 

I then received a letter from the XXXX XXXX County, Arkansas Clerks Office 9th District, Arkansas ( Attached ) notifying me that the case was being transferred to Civil Court on OZK 's request. 

I did not and will not approve this action! 

I do have copies of my OZK statements which clearly show when the hacking occurred which are available on request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. XXXX is reporting the wrong social security number for my report and even after submitting the proper proofs, they haven't even updated my report yet. Per the FCRA and federal law, the process is supposed to be 30 days. 90 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Product: Credit card

identity theft/fraud. billed for purchases I did not make by Macys Dept Store. Macys XXXX XXXX. impossible to deal with. 
The original purchase was reported as occurring on XX/XX/XXXX. 
After months of struggle and the help of XXXX and a XXXX/Fraud Claims Lead ( XXXXXXXXXXXX XXXX on XX/XX/XXXX, sent me the email as follows " Dear XXXX, I have sent your claim in for the write off to our bank yesterday. In the meantime, I have sent a clearing letter out to you, resent your credit rating and requested a cease and desist on collection calls. Again, I apologize for any inconvenience this has caused. If you have further questions, I have provided my information below. 
Thank you and have a great week-end. '' I received a letter dated XX/XX/XXXX from Macys that my account has been returned to the XXXX 
I have since tried several times, unsuccessfully to contact XXXX. The people I have spoke with just gave me the run around. I did not make the purchases that they are billing me for. This is harassment and is causing much distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft last year in which someone opened multiple credit cards in my name. They used their address or an address different than my home address. They charged on multiple cards and it is now effecting my credit. I have reported this to the companies and to the credit agencies and has done no good. The credit card company ( XXXX XXXX ) said that the address used shows on my credit report as my previous address. This is incorrect. I have never used, loved, nor know anyone who lives at that address. I have lived in the same location for over 10 year and prior to that lived in the same town for the last 20 years. The reason this address showed on my credit report is due to the multiple fraud accounts opened in my name at this fraudulent address. The person or persons also stole my social and name to open these accounts. I dont feel I should be held responsible for identity theft and fraudulent use of a card that the company was not careful enough when they issued it. The companies negligence is not my fault. 
I have attached my government ID and a police report. My id confirms my current address and by the expiration on the id it shows I have
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. 

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. 

This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392. I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). 

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Equifax in regards to XXXX XXXX loans that are charge-offed and reporting incorrectly on my credit report. Equifax validated the debt eventhough it is showing charged off every single month and none of the information was validated, because I had it validated with the other bureaus as well and they are claiming that their information is validated as well eventhough it doesnt match for the exact same accounts. I then sent a factual dispute letter on XX/XX/2021. Equifax has not responded at all, but they did change the charge-offs to late payments. You can not report late payments on a charged off account. None of the other information addressed in the factual dispute was corrected as well and they have been asked several times to provide information on how they are validating the debt and they refuse to provide that information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information regarding a debt collection reported on my credit report. My records and subsequent verification attempts indicate that this debt is no longer with the collection agency listed on my report, and as such, should not be reflected in my credit history. Not only that, the debt that is alleged is not at all owed by me as I legally breached a residential lease agreement, under Texas Property Code Sections 92.056 and 92.0561. I also left notice with the landlord, original creditor, XXXX XXXX XXXX. ( See attachments ). Please find the following details relevant to this dispute : Collection Company Reporting on My Credit Report : XXXX XXXX XXXX ( XXXX ) Original Creditor : XXXX XXXX XXXX Since the day this inaccurate collection account hit my credit report, XXXX, I have reached out to Transunion and the collection company, XXXX regarding the fact that the debt is not owed by me nor is it the least bit accurate. I received mail correspondence from Transunion on XXXX  stating that they are not required to reinvestigate this debt yet they never investigated it to begin with. I mailed all of my correspondence proving this debt is not owed by me and yet this invalidated and inaccurate account is still on my credit report. I've also provided all documentation directly to XXXX XXXX XXXX via mail on 2 separate occasions and no further action has been taken. I've been getting the complete run around. On XX/XX/year>, the 30 day time period had passed from the date I mailed my correspondence to them. And, I still didn't have any notification from them about ceasing all collection efforts and removing the inaccurate collection account from my credit reports as a result of the evidence I'd mailed them. During my call, I was simply told that they can no longer discuss the alleged debt with me because they were no longer collecting it and it had been referred out to another firm. Therefore, its continued presence on my credit report is not only inaccurate but defamation of character and erroneous in nature. Transunion has done me a complete disservice in not properly investigating this debt on my behalf. In accordance with the Fair Credit Reporting Act, I am requesting that this item be removed from my credit report immediately as soon as possible since XXXX XXXX XXXX is not the company attempting to collect the debt. Please find attached copies of any documents that support my position. I request a written confirmation of the receipt of this letter within five business days, along with removal of the account from my consumer credit reports. Please inform me of the outcome of your investigation at your earliest convenience. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

On XXXX XXXX I applied for a payday loan from XXXX XXXX XXXX XXXX d/b/a XXXX XXXX now called Big Picture Loan. My loan amount was XXXX. I expected to pay a finance fee and maybe an initiation fee however after 3 payments of XXXX all deducted from my XXXX checking account I called to payoff my loan. I was informed to payoff my account on XXXX/XXXX/16 I would need to pay XXXX??? On a XXXX loan? The interest on this loan appears to be 200 %. That can not be legal on the United States. I asked the representative where she was and she stated the XXXX. Any assistance with this matter would be greatly appreciated. I only borrowed XXXX