23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notice via email on XX/XX/2024 from TrueAccord stating that they are trying to collect a debt that I allegedly owe ( XXXX ). The debt is originally from collection agency XXXX XXXX XXXX, XXXX and If I do not respond by XX/XX/2024 they will assume that the allegations are correct. This company has failed to provide me with documentation that concludes sufficient validity of this debt. Secondly, this collection agency is not licensed to collect in Michigan. Debt collectors must be licensed in the State of Michigan, if they are collecting the debts of others, unless the collection activities are limited to interstate communications. MCL 339.904 ( 1 ). If further collection tactics persist I will be obligated to forward it over to my attorneyIn regards to libel, opposing on a legally binding document, civil liability for negligent noncompliance, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  act # XXXX, XXXX, XXXX, XXXX, has violated my rights 15 U.S.C 1681 section 602 A States that 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 card or prepaid card

I received a pamphlet on an XXXX XXXX flight offering an opportunity to sign up for a Barclays mastercard. The information in the pamphlet explicitly offered XXXX miles and the waiving of the {$99.00} annual fee for the first year after opening an account using a promotional code XXXX included in the pamphlet and making a purchase. 
I applied, included the promotional code ( XXXX ) and was accepted. The Barclays mastercard credit card account was opened on XX/XX/2022. I made required purchases. I received the miles promised but was charged {$99.00} for the first year. I called numerous times but they refused to honor the {$0.00} intro annual fee for the first year as advertised in their pamphlet.
Product: Debt collection

I terminated the contract by returning the puppy to a no kill shelter. The contract was to be reduced to half of the loan amount due to termination yet, the lender is attempting to collect the full amount and accrual of monthly rental fees for the puppy I no longer possess.
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 

AXXXX 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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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
Product: Checking or savings account

I have Loyality checking account with Laurel Road Bank - part of Keybank. I have no idea why Keybank send me this letter ( dated XXXX XX/XX/2023 ) that there is some fraud going on in my account. I called but nobody was there even after 25 minutes of wait. Then keybank is threatening that they will close the account and also furnish negative information to a consumer reporting agency. Keybank should provide me specifics rather than general language which gives no clues.
Product: Bank account or service

A stop payment was requested back in XXXX 2016. The request was never removed. Several occasions, items were presented against the account, no funds were in the account. Thus resulting in non sufficient fees ( NSF 's ). Several times, I spoke to managers in the customer service to get credit for the fee being assessed. In two occasions, they were reverted. However, other times they were not. I was told that they had to go through a different process to get " approved ''. This never happened. 
Eventhough, I still have this account. There has been attempts to withdraw funds from FACTS Management causing continuous NSF 's. Would like someone to take a look on how this agency is refusing to secure an account. Also, marginalizing the poor ( or at a lower class level ) to benefit the wealthy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XX/XX/XXXX *** Please remove fraud alert until it's requested again ***
Product: Mortgage

All during the monthly loan payment when I send additional principal AmeriHome mortgage continues to hold and misapply funds to the correct funds ( additional principal, escrow etc. ) and I would have to call them to have them correct the issue. However this has been ongoing since the beginning of the loan. I requested that they follow the payment stub submitted with my check and they advised me that its an electronic process and not a manual process. I then requested that my account be FLAGGED for special handling, they replied not possible. I replied with I should not have to call each month to correct in house matters and my loan is special to me since its a big investment. I then requested a 100 % audit on my account since the balance, escrow and interest was incorrect according to my calculations. I have paid aggressively on the first year since the principal was lower. Over the past three months they claim they would work on the correcting the issue and reply with supporting documents, but I feel that all balances are incorrect. At some point over the pass three months I have spoken to supervisor XXXX ( # XXXX ), XXXX XXXX  ( # XXXX ), XXXX and finally XXXX XXXX XXXX from XXXX XXXX in New Jersey phone number XXXX. I sent follow up emails to her on XX/XX/XXXX and XXXX requesting for the 100 % audit, with no response as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( XXXX ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Debt collection

Called left a message describing the debt. Threatened to take action against me. On first call from then.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is bothering! Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please haev the following items corrected and or deleted as soon possible : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must delete wrong accounts from my credit report. Can you check? Some accounts listed are wrong about what's reported, like the amount and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXN XXXX Balance : {$1900.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reportingan alleged debt for devices already paid off. The only instrument I still pay for is an XXXX XXXX XXXX on a different account. I have submitted proof that I still pay for this device to XXXX  under XXXX account # XXXX. XXXX XXXX XXXX is also reporting an alleged debt on my credit report ; I have repeatedly stated that this account is fraudulent, and nothing has been done.
Product: Debt collection

Fraudulent charge on my credit report. Dated : XX/XX/2021. 
Company : XXXX XXXX Amount of debt : {$1100.00} Collection letter received by Jefferson Capital on XX/XX/2021. 
Spoke to XXXX  about this. They said to contact FTC. 
Account # XXXX I have had XXXX XXXX XXXX as my cellular service for 5+ years. This XXXX XXXX account was opened fraudulently. 
Please help!
Product: Credit reporting or other personal consumer reports

I recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX : account number XXXX.
Product: Student loan

I have been back and fourth with Navient/XXXX for over a year trying to work with them to get a lower interest rate for my loans. After filing the first complaint, I was told that I could participate in a program that would lower my interest rate to 1 %. The payment was still out of my reach but I agreed to the program. I submitted all of my information with a payment of {$300.00} and I was told that it would take a week for the program to be approved. I then received a letter stating that they could no longer offer me participation in the 1 % program but maybe I would be approved for the 3 % program which would increase my payment to {$400.00} a month. Mind you, I 'm a single mother with XXXX jobs on food stamps and Medicaid and I 've been diagnosed with XXXX. After they told me I was n't approved for the program, they have been harassing me day and night. Their customer service agents have yelled at me, told me to " get a better job '', told me " I was poor '' and that I just needed to pay my loan! Even being contacted by Navient/XXXX raises my XXXX. This company does n't want to work with you but rather make you feel insignificant and bad about yourself. I think they just call me to torment me. This is the worst company and all I want is some relief from Navient! HELP!!!!
Product: Credit card or prepaid card

I recently attempted to enter the bank 's website and it wants to send a code to a U.S. cell phone and I'm currently traveling Internationally. I tried to call the customer service number and spoke with a rep that asked five minutes of identity questions and then wanted to transfer me again and I gave up. The first two questions should have been enough. I've been a customer for 35 years with a high credit limit and I explained all I wanted was to know what my balance was to pay the monthly payment. What I got was harassment in my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint because Experian is misreporting an account. I sued the company XXXX XXXX XXXX and I won the case on XX/XX/XXXX. 

Account information is as follows : XXXX XXXX, date opened : XX/XX/XXXX, closed date : XX/XX/XXXX, credit limit : {$7600.00}. 

It is my right to get this account deleted from my report. This is affecting my financial and emotional life. Experian must stop reporting this account as soon as possible. 

Please see attached proof of case won.
Product: Debt collection

XXXX  XXXX  took out XXXX charges on XXXX for {$19.00}... XXXX for {$9.00} and also on XXXX for {$19.00} which were all fraudulent. I made several phone calls to XXXX  notifying them that this was not my charge from a XXXX charge that was not mine. I asked for a proof of debt it was not provided to me, nor anything at all in writing only texts and phone calls after several attempts asking them for something in writing. I also checked my online XXXX orders and there was no order for the fraudulent charge. I received several calls and texts that were also threating and was repeatedly contacted after my bank found in my favor when I filed a dispute and given back my money that they took out that was credited on XXXX in the amount of XXXX XXXX also have a letter that my information was found to be in a date breach which I sent to them and also filled out and XXXX  identity theft victim 's complaint and affidavit. And still they kept trying to contact me. Now I received a collection letter from True Accord on XX/XX/XXXX that I now am in collections. I have also submitted a dispute with them as well.
Product: Credit card or prepaid card

On or about XX/XX/2018, Citi sent a credit balance check to me for {$23.00}. I have been making payments and charges for weeks. The reason stated was that I requested the return, which I did not. 

I had made a {$3.00} parking charge to that card on or about XX/XX/2018. This charge was not deducted prior to sending me a check. This would mean that I would have been responsible for late charges and interest charges, which I have not yet looked to see if they were charged or not. If the charge was made 4 days prior to them sending a check a did not request, this amount should have been deducted from the credit balance. 

Federal law says they are supposed to contact me to see if I want a refund of a credit balance that remains at 6 months. If I am charging and paying intermittently, how are they determining a balance remained for 6 consecutive months. New charges should be deducted from the oldest credit balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 my credit report was pulled by XXXX, which was not authorized. There is a consumer statement on my credit report requiring all lenders to call me before extending credit in my name. XXXX called and I told them I did not request a XXXX Credit Card nor did/do I give them authorization to pull my credit report. I instructed them to remove any inquires from my credit report, which still has not been done.
Product: Vehicle loan or lease

CCM FINANCE LLC The car was a lemon car The car starting act up two days after getting it the trunk wouldnt not close ask them to repair it they didnt The car need a XXXX XXXX which bout the same price to get a new car They didnt not want to fix it ask for refund n get this car car was way over the price in XXXX XXXX  this company been dodging me for years There a tracker in the car
Product: Credit reporting or other personal consumer reports

Transunion : My name is incorrect on my credit report. My name is XXXX XXXX XXXX. The address listed on my credit report or incorrect. The only address that should be on my credit report is XXXX XXXX XXXX XXXX, Georgia XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account, registered under the email address XXXX. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated, as I have not had the opportunity to conduct any transactions or use any of the features of your service. I am unsure of the reason for the suspension and would greatly appreciate an explanation. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

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

I XXXX XXXX resides at XXXX XXXX XXXX and is a VETERAN of the United States XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : Experian : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to follow up on the status of the accounts listed below, which are reported by XXXX XXXX Experian XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As you may be aware, most of these accounts have already been deleted from Experian 's records, Now, since these Consumer Reporting Agencies does rely their information from the same furnisher for each account, I assume that they should have access to the same updated information as Experian. 

I am requesting that they must delete the inaccurate accounts that were previously reported by their agency, as they have been deleted from Experian 's records.
Product: Credit reporting or other personal consumer reports

I have an auto loan with XXXX for my XXXX XXXX XXXX. As of XX/XX/XXXX I had a payment due on my account. On XXXX the XXXX I was involved in a car accident which resulted in my car being totaled. Both my insurance and I contacted XXXX to let them know about this issue to prevent any late payments from being reported. My insurance then sent the payment over to them in 2 checks that equaled the full amount of the vehicle. One for {$32000.00} and another for {$2800.00}. The effective dates for these checks state XX/XX/XXXX. I just checked my Transunion credit report and they are reporting that I am 30 days late on my account which is not true!! The account is also reflecting that its open, and thats not true either. The account is paid in full and closed. It doesnt make sense that they were fully aware of the vehicle being totaled, along with being notified that the checks were sent via mail on XX/XX/XXXX and XX/XX/XXXX, and they still report my account 30 days late even after making the effective date for the payments XX/XX/XXXX. In that case that would make me 4 days late at max!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  15 U.S. Code 1681s2 ( A ) ( XXXX XXXX A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. In addition, these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts are reported as an open account status but state that are charged off as bad debt remarks on XXXX comments section. XXXX is a clear evident disregard for the completion of accurate reporting which provides me as a consumer to file an arbitration with the XXXX administration with this evidence of inccacurate invalid and requesting results of imvestigation that have not been provided. XXXX reporting unverfied charged off accounts that are shown as open has an impact to my XXXX and my overall credit rating to my consumer report as a CLOSED ACCOUNT WITH INACCURATE BALANCE, INACCURATE AMOUNT PAST DUE AND MINIMUM MONTHLY PAYMENT. XXXX REOPRTED ACCOUNTS OPEN WITH BALANCE AFTER MY FIRST & SECOND DISPUTES ABOUT THE ACCOUNTS THAT WERE CLOSED AND CHARGED OFF XXXX UPDATED ACCOUNTS TO OPEN BUT STILL REPORT CHARGED OFF. XXXX DID NOT PROVIED ME DETAILED RESUTLTS.
Product: Debt collection

I returned the cable equipment to XXXX that I am now being charged for. I have contacted XXXX and gave them my receipt number and I have tried to dispute the charge through XXXX. I have now been turned over to the collection agency, Waypoint, even though I returned all the equipment and have a receipt. When I talked to XXXX they told me everything is good now because I have returned the equipment and have a receipt. The amount the collection agency is claiming I owe is {$570.00}. I have my receipt, that is dated XX/XX/22 with receipt number of XXXX for the return of video equipment with the serial and model numbers of : Serial number XXXX Model number XXXX Serial number XXXX model number XXXX  and Serial number XXXX model number XXXX