23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Spoke with Hunter Warfield company on XX/XX/XXXX. Who is a debt collector for apartments. I was told today that the original amount ( {$2500.00} ) accrued interest and a higher amount ( {$3700.00} ) is being collected due to federal and state debt collection laws. I spoke with my attorney and they advised no interest can be accrued on accounts that are not loans or from a financial institution. Which in my case this I'd definitely not a loan of any sorts. The Georgia State law does not state anything like that. This debt is 5 years old and has not changed in amounts until XX/XX/XXXX. 
The company is lying and I refuse to pay an amount higher than what is owed.
Product: Credit reporting or other personal consumer reports

Please take notice that this complaint will constitute a Pre Arbitration / Litigation Demand Notice There is an account reporting as a collection on my credit report from the debt collector named XXXX XXXX XXXX in the amount of {$2200.00} with interest accruing every month for a Rental Lease for an apartment Unit which was not on the Lease contract that was provided when I reached out to the debt collector and asked for them to Validate the debt. I have attached the Debt Collectors Debt Validation response. If you examine the Rental Agreement, you will notice that the Unit referred to in the agreement is unit XXXX XXXX  which the lease was paid in full however XXXX XXXX XXXX is stating that I owe them for UniXXXX XXXX XXXX which is false and misleading because I lived in unit XXXX XXXX before I moved to my current address. This is evidence that inaccurate information is being reported. I have sent disputes to XXXX disputing the accuracy of the account and it came back verified every time. This is evidence that XXXX is violating the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contracted in connection with the dispute. Furthermore, I am demanding prompt removal of this account from my credit report and compensation in the amount of {$2500.00} for damages caused by this inaccurate report being validated which caused for me to be denied for credit which harmed my livelihood. Failure to remove the derogatory account and compensate me for damages will force me to initiate arbitration or other litigation.
Product: Debt collection

Fidelity Information Corporation sent me formal notices to pay over {$5000.00} with no proof or explanation. When contacting the company, they claim they dont owe you any reason or proof of debt. The claim filed against me was done so fraudulently, whenever I disputed the validity, they silently closed the account and allowed the scammer again to not provide any proof. They are allowing for scammers to file false debts for collection without valid proof. They refused to send me a letter of confirmation and told me they dont owe me an explanation of the notices and closing the account since the claim didnt actually hit my credit. This did however cause me distress because they threatened to hit my credit with no explanation of the letter. They are not following the Fair Credit Reporting Act. When I called to complain about this to try to stop the scammer from affecting more consumers in the future, they basically hung up on me. I have proof of all contact if needed.
Product: Credit reporting or other personal consumer reports

TranUnion 's response as 'verified ' is misleading, inaccurate and at this point amounts to fraud and at the very least, willful non-compliance. I have attached correspondence from the furnisher XXXX stating the alleged 'verified " item WAS REMOVED FROM MY CONSUMER REPORT. ( SEE ATTACHMENTS ) They COULD NOT VERIFY THE ACCOUNT so they deleted it! However, TransUnion is reporting it as 'verified '. How did they come into this information? I know i never gave it to them.. nor the U.S.Bankruptcy Court . Ga. As a consumer i have the right to MAXIMUM ACCURACY! I will have the right to face all who furnished this 'UNVERIFIED " 'Verified ' information. I also have correspondence from the Bankruptcy Court in Ga that states that they did not/ DO NOT furnish consumer information to Third party agencies! TransUnion is in violation of 15 USC 1681i, in your response to my dispute you claimed that the account # XXXX had been 'verified. ' They have validated information that has been LOCATED and REMOVED by the furnisher ( XXXX ) *See Attachment * and this item is hereby disputed. The information on this account being furnished to my consumer report in fact CAN NOT be validated. 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Congress states : 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Delete this account from my consumer report!
Product: Money transfer, virtual currency, or money service

In early XX/XX/year> I found an advertisement on XXXX that offered a home for rent. I contacted the supposed renter and we spoke on the deposit, qualifications, and rent. He said that he was out of town and had a management company to handle the property affairs. I had to create a profile on the website and after paying the first deposit he unlocked the door virtually so I thought. The deposit was {$500.00} and after inspecting the place I sent another {$500.00} and then awaited his friend to arrive with the keys but he nor his friend never came after many failed attempts. Upon realizing I was scammed I went home and filed a complaint with cashapp through the chat portal customer service. They denied my request and told me it was nothing they could do. Attached is the file of my bank statement to XXXX  which was the company name of the fraudulent landlord. Thank you for your time and service.
Product: Credit card or prepaid card

On XX/XX/22 I was notified via email with the following message.. 

" Hi XXXX, Your company was recently submitted by XXXX XXXX XXXX as a 'XXXX XXXX XXXX ' referral to American Express XXXX Schedule an appointment with me at your convenience to discuss how American Express can help move your business forward. 

I'm looking forward to our chat. 
Thanks! 
XXXX XXXX '' I received a phone call from this person stating we " had a scheduled appointment. '' which we did not. I was told I qualified for their American Express Business Credit Card. I was excited because I had just joined the XXXX XXXX XXXX to help improve my credit score which is not good. " XXXX '' went through all the steps of the card process as if I were approved. Then transferred me to someone else that let me know they ran my credit report and I was denied. I asked for this inquiry to be removed from the credit report because I did not give anyone authority to run a credit report. I was told I would have to call the credit reporting agency because they could not take it off. 

This has further damaged my credit report from the last two credit card scammers who did this to me and lowered my score.
Product: Credit card

I asked them for applicaiton and signagtures for opening the account. I am writing to formally dispute inaccurate and outdated information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The items listed below contain errors and are negatively impacting my credit score. Under the FCRA, you are required to ensure that the information reported on my credit file is accurate and verifiable. If you are unable to verify these items, they should be removed or corrected. 
Please review the following information on my credit report, and update or delete these inaccurate items as required by law : 1. Late Payments : Several late payments are reported on accounts that I believe are either inaccurate or not attributable to me. Under the FCRA, Section 611 ( 15 U.S.C. 1681i ), I request that XXXX verify these accounts with the original creditors. If these late payments can not be verified as accurate and belonging to me, they must be removed from my report.

2. Incorrect Addresses and Phone Numbers : My credit report includes outdated or incorrect addresses and phone numbers that are not associated with my current or past residences. Please update my information to reflect my current address and phone number, as inaccurate personal information may indicate potential errors or identity confusion. FCRA Section 609 ( 15 U.S.C. 1681g ) grants me the right to request accurate personal information.

3. Accounts Not Belonging to Me : There are accounts on my report that I do not recognize and do not believe are associated with me. Under FCRA Section 611, XXXX must verify the ownership and legitimacy of these accounts. If they can not be verified, I request their removal from my credit file. 
I challenged items in my report and did my investigations. I request that you update the information on my report, which I have listed below. If you have not done so, place EXTENDED FRAUD ALERTS on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account in collection still that I paid off last year. I have disputed this account several times with Experian and they keep stating that the account is valid. 
Date recently disputed was XX/XX/2021. I submitted evidence as well with the dispute. I disputed with all three credit bureaus and the account was removed except for experian. The amount is for {$260.00}. I am also working a credit repair company who has been disputing this item as well with no results changing.
Product: Checking or savings account

On XXXX XX/XX/year>, someone called my stating they represented my bank, and that an improper transaction had occurred on my account. He stated he would call be back later that evening. It was a pay day, so I didnt expect anything to be any different. Within minutes after my pay was deposited, he called back and told me what had happened, and that my account had been compromised. The man then gave me instructions as to what to protect my account. What I didnt realise until later was that he was a scammer, and he took almost all of the money out my account. I reported this to my bank and filed a police report. I also filed two disputes with my bank, requesting a restoration of my funds. However, the banks continues to insist that nothing illegal or improper occurred, and that my transferring the money to the scammer was proper. I sent them a copy of the police report and stated they will be doing an investigation, which could take XXXX days to complete. I believe the bank ins not acting in my best interest, and somehow think I am lying to them, which I stated I am not. This is the its time I have request a reopening of my case, because I was the one who was defrauded. I also file this issue with the Federal Trade Commission, and I have advised the bank that I will seek legal counsel in this matter to have my funds restored to my account.I have a copy of the initial police report, but I am unable attach here, because it is stored on a another app which I can not access here. However, you can call or e-mail me a link, and I will attach it.
Product: Credit card

CFPB helped reopen my case with my American Express Credit Cards last time. Now after agreeing that I paid the whole amount they will reopen my credit cards after 10 days it has been fully paid. It has been paid and they have not been calling me back to get this resolved and reopened.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protested consumer rights to privacy and confidentially under 15 U.S.C 1681. 
XXXX ) XXXX  ACCT number XXXX Date opened XX/XX/XXXX Chargeoff {$590.00} XXXX ) XXXX XXXX ACCT nunber XXXX Date opened XX/XX/XXXX wrtten off {$190.00} XXXX ) XXXX XXXX XXXX ACCT XXXX XXXX XXXX XX/XX/XXXX Writtenoff Repossession {$25000.00} XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) ACCT XXXX XXXX XXXX XXXX XX/XX/XXXX collections {$2200.00} XXXX ) XXXX XXXX Acct Number XXXX Date XXXX XX/XX/XXXX collection {$9600.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct Number XXXX Date opened XX/XX/XXXX collections {$670.00} XXXX ) XXXX XXXX XXXX number XXXX Date opened XX/XX/XXXX collections {$2100.00} XXXX ) XXXX XXXX XXXX ACCT number XXXX XXXX XXXX XX/XX/XXXX Collections {$1500.00} 15 U.S.C 1681 Section 602A states I have the right to privacy.

! 6 U.S.C. 1681 Section 604A 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 reporting by more than 7 years.

15 U.S.C 1681 s-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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several certified and notarized letters with proof of disputes were sent to XXXX XXXX XXXX and to Equifax. Every time the investigation was done it remains even with proof sent that it does not belong to me. The original contract from the health provider that has someone else 's name and no signature.
Product: Debt collection

I received a notice in the mail from Transworld Systems Inc about a debt to XXXX XXXX Hospital. The amount they demanded is the same as the bill I just paid. I called the number of Transworld listed on the letter ( XXXX ) and was asked for my birthdate for " verification purposes '' and I am afraid I have been scammed. The operator told me to disregard the notice.
Product: Vehicle loan or lease

I am writing to submit a formal complaint against Bank of America concerning their handling of my auto loan account ( # ending XXXX ) which was opened on XX/XX/XXXX. Despite my diligent efforts to manage this loan responsibly, including attempting to set up an automatic payment system and making manual payments when necessary, I have encountered a series of errors and negligence on the part of Bank of America. This has resulted in the unfair accumulation of 11 late fees totaling {$620.00} from XX/XX/XXXX, to XX/XX/XXXX, due to miscommunications and procedural errors by the banks representatives. 
Upon attempting to enroll in eBill AutoPay in XX/XX/XXXX and subsequently making a manual payment on XX/XX/XXXX, to cover the first due payment, it was not disclosed to me by the representative that my account setup for XXXX XXXX  monthly billing cycle was incomplete. This oversight resulted in my account falling behind, unbeknownst to me, culminating in multiple late fees. Furthermore, despite the lapse in communication on the bank 's part over the XXXX period where late fees were being charged, it was only in XX/XX/XXXX that I was contacted regarding the status of my vehicle and informed about the arrearage. 
My request for late fee waivers and account correction on XX/XX/XXXX, was not appropriately addressed ; instead, I encountered further negligence when a payment supposedly made over the phone with a representative was not processed. Despite repeated attempts to resolve the issue, including eight additional contact attempts and an unacknowledged email inquiry regarding the late fees, my concerns have not been adequately resolved. 
This experience raises serious questions about the bank 's practices, especially regarding consumer communication, financial management, and the security of personal information. This situation appears to contravene the Truth in Savings Act ( TISA ), which safeguards consumers against excessive fees without proper notification. 
Given these circumstances, I am seeking the following resolutions : A refund of all 11 late fees erroneously charged from XX/XX/XXXX, to XX/XX/XXXX, amounting to {$620.00}. 
The immediate institution of a payment arrangement to update my account to a current status, preventing any future erroneous late fees or charges. 
An exhaustive review of my account 's management by Bank of America, including an audit of communication logs and payment processing protocols to evade similar issues for others in the future. 
Firm assurances regarding the security and lawful handling of my personal and account information. 
Straightforward and timely updates from Bank of America on the measures taken to resolve this matter to my satisfaction. 
I trust the Consumer Federal Protection Bureau will take my complaint seriously and assist in rectifying this distressing situation promptly. Thank you for your attention to this matter.
Product: Payday loan, title loan, or personal loan

Beginning in XX/XX/XXXX, I started receiving letters from Big Picture Loans that I had borrowed {$1000.00} from them in XX/XX/XXXX and that now I owe them {$1900.00} ( Account # XXXX ). At first, I thought the letter was sent in error and ignored it. However, after receiving more letters they believe I owe them this money. I have never heard of this company and never borrowed any money from them and believe that either 1 ) there has been some type of identity theft or 2 ) that Big Picture is engaging in fraud. In reviewing my credit reports there are no hard credit inquiries from Big Picture Loans associated with my name. However, XXXX reported an unsolicited soft credit inquiry on  XX/XX/XXXX by Big Picture. It is for this reason, that I do not trust working with Big Picture with respect to providing them with any confidential personal information, since I believe they may be the source of this fraudulent activity. 

In trying to resolve this issue with BIg Picture they state that their process is to hold a three party call with the bank where the account they have on file is held, in order to verify the account owner and any credits/debits processed in this account. When I called them to initiate the process, they asked for my name and social security number. When I declined to provide my SSN #, they indicated that they could not move forward with the process. The other option I was provided was to fill out Indentity Theft Victim 's Complaint and Affadavit Form, take the form to the Local Police Department, and have it witnessed by a police officer. However, the form asks for confidential personal information, that again I am unwilling to provide, for the reason note above.

I am at an impasse as to how to resolve this issue since I do not trust the source of this claim.
Product: Checking or savings account

I was told in XX/XX/2019 that I was listed in a company called Early Warning Services when I went to open a bank account. I have never done anything wrong with any bank whatsoever and Ive tried several times to contact this company with no reply. This is unfair and unjust!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} and XXXX XXXX XXXX Date OpenedXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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

My credit report indicates that a credit card account was opened with Bank of America on XX/XX/XXXX. It was an individual account. Date of the last payment to this account was XX/XX/XXXX. It was closed on XX/XX/XXXX. The credit limit was {$1000.00} and the high credit was {$1000.00}. 
I called Bank of America on XX/XX/XXXX at XXXX XXXX XXXX. I gave them the full account number and informed them that the card was in my credit report, negatively affecting it and I did not open it. They said that the account was not in my name but they could not disclose whose name it was under. 
I disputed the account with XXXX, XXXX and XXXX. XXXX  today told me that they contacted the lender who told them that the information was accurate. 
This is quite frustrating. How can the information be accurate if Bank of America says that the account was not in my name. It is still affecting my credit and I would like to know who fraudulently opened an account in my name so that it can be resolved. 
Thank you very much for your assistance.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are reporting inaccurate names and addresses on my file