23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is not my debt court papers were attach at my daughter door address in XXXX showing the date from XX/XX/XXXXXXXX  to XXXX XXXX  witch caused them embarrasment witch was completely unnecessary this could fall as a violation of harrasment, my address in XXXX was a different witch was in the XXXX & I have not live in XXXX since XXXX due to health problems I am person with XXXX and this is causing stress witch is not good for me. 
this address I stop using for over 3 years caused mail theft it can easy be verify with the United States post office with my complaints.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and discovered several inaccuracies. I am writing to formally dispute several inaccurate accounts listed on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ) provisions. Specifically, I am referring to the accounts : XXXX. ) XXXX XXXX XXXX XXXX, XXXX. ) XXXX  XXXX, XXXX. ) XXXX XXXX, XXXX. ) XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX I have previously disputed through two letters without receiving any response.

Under 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 USC 1681i ( 5 ) mandates that if any information is found to be inaccurate or incomplete, it must be corrected or deleted. 

As per these statutes, I assert that the information reported for XXXX. ) XXXX XXXX XXXX XXXX, XXXX. ) XXXX  XXXX, XXXX. ) XXXX XXXX, XXXX. ) XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX is not 100 % accurate across all three credit reporting agencies. Therefore, it is my legal right to request that this account be updated to reflect accurate information or removed entirely from my credit report. 

I expect a thorough investigation into this matter and request that the inaccuracies be addressed within XXXX days. Should my request not be fulfilled within this timeframe, I will be compelled to initiate litigation to seek {$1000.00} in damages for each inaccuracy on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Mortgage

I have two problems in the same scenario. 
XXXX. ) I have had many HELOCs with PenFed Credit Union over the years, always to merely have one open for emergency situations. I've never paid an annual fee, although they stated it was listed in my closing documents. On my XXXX statement, I saw a {$99.00} fee. I called to inquire about it ; the first person I spoke to couldn't answer. Then I received a call back from a manager ; he didn't have a complete answer as to why I've never been charged a fee, so he had to research it. He thought it might have been to PenFed suspending fee collections while COVID was present, so I asked if any notice was sent and when because I hadn't heard about that. He researched it, called me back and confirmed it had been suspended due to COVID and they didn't send a notice because it " benefited the members ''. I stated it felt like PenFed is arbitrarily choosing when and what to enforce in the contract since I had not been notified of these changes, nor agreed to them. I posed the idea, " what would happen if I chose not to make a payment XXXX month because I'm choosing to spend my money elsewhere? ". A contract is not much of a contract if either party is allowed to change/alter/suspend/terminate, etc all or parts of the terms/conditions without informing and receiving consent from the other party. 

2. ) I understand the fee is in the loan documentation, but I do not agree to allowing PenFed to arbitrarily suspend or enforce when they see fit. When I attempted to pay the fee through PenFed 's online banking portal, I can see my available line of credit is reduced, yet no balance is reflected online ; however, the XXXX statement did reflect the balance. I inquired about this with the manager and asked how I'm supposed to make a payment. I was informed that if there is no principal or interest due on a HELOC that a call is required by the consumer to call into PenFed to have a payment manually processed or a check must be written and mailed in with the statement/payment coupon. None of this process is outlined anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in numerous disputes to Equifax regarding the inaccurate reporting of a bankruptcy on my file. There was no bankruptcy filed on XX/XX/XXXX. I mailed my most recent dispute around XX/XX/XXXX, and received an email confirmation from Equifax on XX/XX/XXXX that the investigation was underway. Yesterday I received my Equifax report dated XX/XX/XXXX ( confirmation # XXXX ),  stating that the bankruptcy was verified, with a verification date of XX/XX/XXXX.

15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. Obviously, if the verification date is XX/XX/XXXX, no re-investigation was done, which is a violation of the FCRA. 

I have also obtained a copy of my XXXX report from XX/XX/XXXX and there are no public records listed on the report ( see page 9 of  XXXX report attached ). So, how could XXXX verify a bankruptcy, and yet not be reporting it on the Public Record Disclosure file I received from them? 

Based on the above information, I am hereby demanding deletion of the above accounts from my Equifax file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ).
Product: Credit card or prepaid card

My most recent Bank of America credit card statement reflects receiving my {$600.00} payment, and shows my balance due reduced by {$600.00}, less $ XXXX % charge. However on the recent activity page, only {$200.00} ( approximately ) was applied to my balance 's. When questioned, customer service could not answer for the other {$400.00}. At one point we were told our payment was refunded ; than they admitted they had no answer and suggested going to the local bank. The bank rep also could not answer and called his support. " Support '' said our 0 % balances reflect the balance due including a potential % charge. We knew this was untrue. Next the support rep said the amount was properly applied in the computer, but did not show on statement. ( At one point the rep said they accidently sent another statement so just ignore it ) We asked if the statement would reflect the correct balance? Answer : No. We asked if the computer shows the money applied, why would it print an incorrect statement? Answer : The computer prints what it prints and can not be changed. We are concerned there might be some embezzlement or fraud. Without audit our statements and payments have not reconciled since at least XXXX 2017, but that involves filing a separate complaint. We had this account 23 years. We know errors can be fixed but Customer Service at Bank of America is non existence for us. We spoke with 5 or 6 different people ; 2 had no answer at all while the rest gave multiple ridiculous excuses with only one common theme ... do n't worry about it, wait for next cycle. Not acceptable.
Product: Debt collection

I am receiving non-stop harassing calls and texts from " XXXX XXXX '' and " XXXXXXXX XXXX. '' My mother is also receiving these calls and texts and is being told about this stuff which is not OK. She lives nowhere near me and is calling me to see why she is getting non-stop calls from debt collectors.

I have contacted each company through their site on more than one occasion and have not received a response that provides insight to what debt I supposedly owe.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX number # XXXX, Account number : XXXX has violated my rights. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained my credit report, credit reporting companies make mistakes in reporting.
Product: Debt collection

I have been passed due on a credit card by one day with Syncrhony bank and they call me every single hour of every single day including weekends. Its becoming abusive and disruptive and uncalled for.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to JPMCB CARD for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. 
As I checked my credit report these fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Product: Credit card

My Macy 's American Express card was stolen and someone charged dozens of XXXX gift cards on it over a period of two months. This occurred last year and I have spent nearly a year trying to have this fixed. I have been told repeatedly that I now have a zero balance ; however, I have begun receiving calls from Collections Agencies stating that I have an outstanding {$840.00} balance on this card that has been closed for nearly a year. I am trying to buy a house and this has negatively impacted my credit score that I worked extremely hard to maintain. Today, XXXX/XXXX/16, I have been on this call for XXXX minutes and have spoken to nearly XXXX different people, all telling me different things. I have been transferred to multiple departments and people to whom I need to re-identify and re-explain the situation because they did not do so on their end. The most recent person told me that the {$840.00} balance is comprised of late fees and missed payments from the charges I never made.
Product: Vehicle loan or lease

SHABANA MOTORS After taking out my first vehicle from this business, i stayed up to date with my payments until I got wrecked and paid off the remainder of the loan to this company. After my settlement ( wasnt much after I paid my balance with this business ), i decided I needed a car so I put down {$2600.00} as a down payment. After I saw how much they were charging per month for a used XXXX XXXX with XXXX miles ( $ XXXX, {$30000.00} total value, plus their XXXX insurance ) - might as well be a truck- i wanted to back down but it was too late. I wanted a car, I signed paper after paper and put myself in a predicament that i couldnt get out of. I had a great job up until they decided to cut down on my hours so that there set me back so much. I tried explaining to Shabanna about my situation and they dont seem to care one bit. I lost my job because they decided they want to disable the car. So now they repossessed my car and have no transportation what so ever. These guys are XXXX. I want something to be done about this great company. Always XXXX  in low income XXXXXXXX and ruining their life.
Product: Checking or savings account

On XX/XX/XXXX I received a letter dated XX/XX/2021 from Wells Fargo. Inside the letter was a XXXX dollar cashier check and a letter stating why I was receiving the check. After further review of the letter and my consumer laws Wells Fargo has violated me as a consumer. By sending the check and the statement in the letter that says You are receiving money because of a legal settlement Wells Fargo and the Consumer Financial Protection Bureau addressing the banks sales practices shows admission to the violation of the consumer. Wells Fargo violated 15 USC 1602 ( p ) as they didnt have actual or implied authority for their unauthorized use of the consumers ( cardholder ) credit card ( social security card ) and personal information, and as the consumer received no benefit for any of the unauthorized transactions.
Product: Credit reporting

Went into XXXX for vehicle service on XX/XX/XXXX. was barraged by salespeople trying to cram a new vehicle down my throat. Specifically told them DO NOT RUN MY CREDIT REPORT. I was assured this would not happen. But it did. I found this out on XX/XX/XXXX, and contacted XXXX sales manager. He told me it was not run and the last credit pull they did was XX/XX/XXXX. I SENT HIM PROOF THAT IT WAS ON THE REPORT, and he never one time contacted me. He passed it off to XXXX, a sweet gal we bought the 1st vehicle from in XX/XX/XXXX, and she too shows no proof that the report was run. BUT IT IS ON THE CREDIT REPORTS!!! I had to resend her the same PROOF I sent to XXXX. I have heard from no one, and i am under the impression this is illegal and they could be fined. i WANT THIS fixed immediately, IT IS LOWERING MY CREDIT SCORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested copies of my credit reports from all three credit bureaus, ( XXXX, Equifax, XXXX  ) and found numerous accounts had been opened established in fraud. I driectly contact the credit bureaus, all three and also directly contact the creditors and the collections agencies also reporting the fraudulent debt, I'm now reaching out to you in helps of expediting this issue and getting it resolved for. I have asked all parties involved to send me proof of these debts that are claiming to belong to me, XXXX XXXX. I have asked to get ip address, physical mailing address, statement/invoices, signatures, and signed contract and dates. Still I have not received anything back or any updates regarding this extreme matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Equifax violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX XXXX XXXX Balance {$900.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX have all but ignored my requests for actual proof that the accounts belong to me and that I am the person who made the charges against my accounts. Each credit services company refuses to show me how they have verified information on my credit report, who verified the information and who reported the information to them. In addition they have refused to provide me with a copy of the original signed credit request in accordance with the fair credit reporting act. I have been fighting with them since XX/XX/2014 against 4 bad reports on my credit report and they refuse to budge or work with me. In addition to this, instead of going directly to the creditors, they are using 3rd parties such as XXXX XXXX to verify the accounts which is again in direct violation of the fair credit reporting act.
Product: Checking or savings account

Bank of America has a policy on its checking account that one has to either have 1 ) direct deposit of {$250.00} or more every month or 2 ) maintain a minimum daily balance of {$1500.00} or more every month.

I can not set up direct deposit through my employer so I go with the second option. The bank continues to charge me {$12.00} per month.

Originally their policy defined minimum daily balance as an average. At some point it changed because now they say if the balance falls under for one day, the {$12.00} charge is assessed each month. This is misleading, if not a bait and switch, since most banks define minimum daily balance as an average. And the fee is assessed on a monthly basis not a daily one. Bank of America is not clear in its literature - I had to call someone in person to get a definition.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed are fraud and I never did any business with these companies OR contracts : XXXX BANK 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. OF EDUCATION/GL # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX COMPAN # XXXX, XXXX XXXX  COMPAN # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXXT # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX DATE:XXXX CREDIT CORP SOLUTIONS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT CORP SOLUTIONS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, FL XXXX
Product: Debt collection

Caine and Weiner claim I owe XXXX for a Progressive policy that was paid via money order, the amount is also incorrect. I do not have a copy of money order to provide as it was paid well over a month ago. I believe the amount paid was in the XXXX range, not sure. I do not know how they come to an amount of XXXX. A complaint was submitted prior, they agreed to stop collection efforts, however, they just sent me another notice requesting the previously mentioned amount and have threatened to place it on credit report. Please advise them they will not see a dime on this policy as I have already sent a payment to XXXX directly, the amount was much lower, in XXXX range.
Product: Debt collection

I am writing regarding a collection notice I recently became aware of concerning an alleged debt. I do not recognize this debt, and I formally dispute its validity. Furthermore, I was never contacted about this alleged debt prior to it being reported to my credit file, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Proper notice and the opportunity to dispute or validate a debt must be provided before it is reported to credit bureaus. 

Under 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. Please provide the following information : 1. Proof that I owe the debt, including a copy of the original signed contract or agreement.

2. The name and address of the original creditor.

3. A detailed accounting of the alleged amount, including principal, interest, fees, and any other charges.

4. Evidence that you are authorized to collect this debt. 

Until proper validation of this debt is provided, the FDCPA and the Fair Credit Reporting Act ( FCRA ) require that the collection account be removed from my credit report. Reporting unverifiable or inaccurate debt is a violation of 15 U.S.C. 1681s-2. I expect you to take immediate action to delete this account from my credit file until the debt is properly validated. 

Additionally, under 15 U.S.C. 1692c ( c ), I am requesting that you cease and desist from any further communication with me regarding this matter, except for written correspondence sent to the address on file. You may only contact me to provide the requested validation of the debt or to confirm that all collection activities and credit reporting have ceased. 

Any failure to validate this alleged debt or any further collection or credit reporting activities without proper validation will be considered violations of federal law. I will report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Thank you for your immediate attention to this matter. I expect your response and proper resolution within the legally mandated timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the Experian and XXXX  credit bureaus must check these inquiries ( A ). It is unacceptable to list these inquiries as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX