23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a complaint from XXXX against Grant and Weber for Grant and Weber 's failure to provide requested information for the debt alleged. As of XX/XX/2017, Grant and Weber has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Vehicle loan or lease

On XX/XX/XXXX I went online and paid {$6100.00} to pay my vehicle loan off with Bank of America. I clicked on the account which was the only account listed. I clicked pay my bill and paid {$6100.00}. On XX/XX/XXXX I logged back in and now there were two accounts listed. One was a credit card that was closed in XXXX which now had {$6100.00} on it. I spent hours on the phone with Bank of America on XX/XX/XXXX trying to get this fixed. I was initially told in the morning that they would expedite a refund and the money would be back in my account by XX/XX/XXXX at the latest. The same rep called me back on XX/XX/XXXX in the afternoon to tell me that he spoke with a team lead who was going to walk him through moving the money to the auto loan. Again I was told that this would be complete at the latest on XX/XX/XXXX. I asked to speak with his manager to confirm everything was good, and this rep hung up on me instead of transferring me. 
On XX/XX/XXXX there was no change on the account. I spent another hour of my time on the phone with Bank of America where I was assured by the first rep he could fix this. He then " placed me on hold '' but really cold transferred me to another rep. I had to repeat my story AGAIN to this rep who was so unnecessarily rude. She told me that it would be two billing cycles before I got my money back. I told her this is unacceptable as I have paid my account in full and now this will mean that I will be charged late fees and be reported to the credit bureau as a late payment. She said she could expedite it to 10 business days. Again this is unacceptable because I will be out of my grace period to make the payment again. I asked to speak with her supervisor who was RUDE. She basically told me that They will try to expedite to 4 business days but could not nail down the date of the 4 business days. I asked her about the late fees and possibility of reporting to the credit bureau. She said I could make ANOTHER {$300.00} payment so the account is not considering late. So now my {$6100.00} is in limbo for who knows how long while Bank of America collects interest on the money they basically stole from me and I have to come up with at least another {$300.00} so I am not considered late for THEIR mistake.
Product: Credit reporting or other personal consumer reports

I want the account removed from my reports at the XXXX credit agencies within XXXX hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX  to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within XXXX hours from all XXXX credit agencies. I also filed a 1099 and the IRS have that as well. The XXXX XXXX did not send me copy b back. I will also be filing a 3949a form due to that as well if this account is not removed from my report and the title of the vehicle needs to be mailed to me also. 

Account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I've had checking account with Chase Bank since 2020. My monthly deposits avg {$3500.00}. 
I also own few stocks products, and a savings account. Chase amasses great revenue and number of account open due its partnership with XXXX in 2020, which requires drivers open Chase checking to receive their earnings.

Chase has been changing their way to operate, although I was never communicated about these changes, nor receive a document with the new terms.

What changed : Chase is using negative sign in my savings account when the funds available is used to covered checking transactions - you can see the screenshot - instead of savings going to XXXX balance, Chase now use negative sign, such - {$25.00} if the {$25.00} were transferred to checking.

The call center is now located overseas, and my information such phone number and ssn everywhere now, with repeatedly scam texts received.

The overdraft fee frequency : Chase decided that no longer use {$50.00} cap to issue an Overdraft fee, and I have one single {$34.00} dollars overdraft fee for every {$5.00} charged : that is I have 3 x {$34.00} posted overnight for {$5.00}, {$6.00}, {$17.00} charges posted overnight over XXXX I had month Chase charged XXXX overdraft fees ( {$300.00} ) without using the proper procedure as described in the contract.

Good thing is that with that I wake up and look to another bank to join.
Product: Debt collection

Hunter Warfield is reporting to the credit bureaus that I owe them {$2400.00} due to an old apartment lease I had with XXXX XXXX. I have written, faxed, and called them requesting a detailed explanation of the debt, because I do not believe I owe the apartment community anything. Unfortunately, for nearly two months now, Hunter Warfield has not bothered to respond with this information.
Product: Checking or savings account

I hired XXXX XXXX XXXX over the phone, gave them my debit card for {$8500.00}, and scheduled a meeting to review the falsified reports and destroyed tampered-with the evidence associated with the case. During the initial call, I delineated all the other withheld evidence I needed to be introduced at the XXXX XXXX I hired them for. 

They agreed to speak to my forensic expert who verified a relevant XXXX call was admittedly destroyed prior and then copied and tampered with. I knew this, as I had heard it prior and pointed out incriminating statements to my then lawyers who redacted it yet AGAIN! They also agreed to subpoena withheld utilities the DA and prior defense had in my late BF 's name who is the true owner and using the straw buyer for the title and finally put them in her name knowing I discovered the massive fraud perpetrated against me and also saw mail in his name. 

A week later I arrived at the meeting with the body cam video containing 2 falsified reports they refused to view as agreed, XXXX XXXX XXXX of a drugging assault, resulting in a serious concussion, and hip and knee injury, and a signed declaration I was being stalked by the perps who stole my court-ordered home that to this day is still unpaid and unenforced. Instead, it has been completely gutted inside and the landscape destroyed. I gave them evidence these criminals were committing federal felony mortgage and real estate fraud. I also emailed several insurance estimates of chronic vehicular vandalism, court documents, etc. 

They then stated they weren't admitting ANY OF IT! My forensic expert had attempted to contact them to discuss the evidence destruction and tampering that guarantees a dismissal and they also ignored him! I have a declaration to this fact and was my main goal to dismiss the bogus case with his report being the most preeminent forensic expert in the world!. Instead, he handed me the provably, repeatedly, redacted transcript containing no evidence of a purported threat I am being charged with. If the call were complete and not destroyed or tampered with it would prove no threat! XXXX evidence tampering and destruction is a felony by officers of the court and law that carries 2-5 years. 

I said : You're fired, you lied and I want my documents back, which he refused and threatened to call the police. Then lied to the bank and said I beat on the desk and threatened them! There was no police contact. I merely asked why they lied, tricked, and stole {$8500.00} knowing I was robbed of my home, am suffering the ongoing atrocities and am now being framed, struggling to prove I am the true elderly crime victim. And everyone is running cover for the criminals instead of protecting and representing me as paid to do. 

The prior lawyer stole {$6000.00} and NEVER APPEARED, NOR FILED ANY OF MY EVIDENCE, EITHER, AS NOTH FIRMS AGREES. I AM CONTINUALLY ROBBED BY LAWYERS, KNOWING I'M OLD, XXXX, AND DESPERATELY TRYING TO EXPOSE THE MASS CORRUPTION FRAUD FURTHER PERPETRATED AGAINST ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number ( XXXX ). My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report Should they continue in this course of action, I plan to take legal action but I want to create a paper trail. 

ACCOUNTS XXXX  XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX  XX/XX/2018 unauthorized XXXX XXXXXX/XX/2018 unauthorized XXXX XXXX XXXXXX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized
Product: Checking or savings account

I have a Business account whit JP Morgan Chase bank, On XX/XX/year> the Bank decided to closed my XXXX accounts with them, I called the bank and requesting an explanation why of such decisions and the bank stated the can closed the account at any time and that is fine, but my fund are in hold and refused to release the funds. 
I have small business the inpact in closed the account and froze my fund make my business at risk
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Experian and XXXX are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; According to FCRA Section 605B ( a ) Experian and XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

Am Filing this complaint because Trans-union has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You.
Product: Debt collection

. I have been consistently hounded by Mr. Cooper with respect to a debt they claim I owe. As I was in chapter XXXX, my bankruptcy attorney defended me to fight their motion to stay my chapter XXXX. Proof of payment was provided and the motion was withdrawn. This process held up the discharge of my chapter XXXX by three months. I was asked to provide copies of checks as far back as XXXX! Mr. Cooper did not have the account at that time a mortgage servicing company called XXXX did. Account was consequently sold to Seterus and then Mr. Cooper. I have consistently provided proof of payment that included check images and certified mail receipts. Given the nature of these companies I took the extra step and cost of always mailing my payments via certified mail. A week after my chapter XXXX discharge, I received a letter from Mr. Cooper requesting payment of {$7300.00}. This letter also asked if I had a lawyer, and for me to provide the name. This amount due is arbitrary as no accounting information has ever been provided. In fact, given my proof Mr. Cooper had no records detailing how they arrived at this amount. On XX/XX/XXXX my credit score was XXXX, when I checked today it was XXXX due to a report by Mr. Cooper that I am 120 days in arrears. I have copies of all my certified mail receipts to prove that I am not in arrears. So now my credit has been fraudulently ruined.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my AVA FINANCE - XXXX, AVA FINANCE - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

On XX/XX/XXXX, I received a letter from Hunter Warfield attempting to collect a debt. In response, I sent a debt validation request letter, via email and certified mail, which was acknowledge as received by Hunter Warfield. My validation letter it attached to this report. 

To date, Hunter Warfield has not validated the debt. 

However, on XX/XX/XXXX, I received notification that Hunter Warfield had reported the debt to the credit bureau, causing a drop in my credit score of XXXX points. This is illegal as I do not recognize this debt and it was not validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account number XXXX Date : XXXX, XXXX  Amount : {$22000.00}, Account number XXXX Date : XXXX XXXXXXXX Amount : {$3000.00}, Account number XXXX Date : XX/XX/XXXX XXXX  Amount : {$2400.00}, Account number : XXXX Date : XXXX Amount {$2100.00}, 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Debt collection

I was a XXXX customer for XXXX. We used their service yet reported on numerous occassions that we wished to cancel their services for killing our grass. 

We stopped using them XX/XX/XXXX. 

We moved to XXXX XXXX  and sold our home in XXXX XXXX XXXX said they treated our former XXXXXXXX XXXX home twice in XXXX. 

After several calls, they agreed to remove the charges. 

I received this collection notice from I.C. Systems Inc., XXXX XXXX XXXX, XXXX XXXX MN XXXX for {$56.00} I am XXXX XXXX XXXX and believe this harassment for an attempt at collections is a violation of XXXX XXXX  - Financial.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I took out a {$2500.00} title loan, I was late making a payment back in XX/XX/XXXX they didn't give notice to repo my car they just took it, so I asked what I need to do they told me I needed to pay a fee so I paid fee went to store for them to tell me I had to make payment but couldn't get my car until Monday because it was Friday and I needed an appointment to get my car. I just made a payment last week for my XXXX payment but it's still showing I owe for XXXX they have erased all access to my documents but I was able to take a look at the interest rate because when I make my payments instead of my loan amount going down I owe more. I've been hearing bad things about title max I am a XXXX woman on a fixed income and most of my check has to go to title max or my car gets taken again. I feel I've been paid this loan off and it's unfair and something needs to be done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I carry a XXXX XXXX from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX PA XXXX Phone # XXXX without my contest their system enrolled me in paperless statement as a result of that I missed my payment twice ( XXXX & XXXX XXXX  ) since I never received any paper statement, they reported me to all 4 Credit Bureaus which made my Credit Score dropped from XXXX to XXXX, I reached to them twice to ask them WHEN & HOW I asked for paperless statement, they replied that I agreed to it ( WHICH I NEVER DID ) but they failed to let me know when and how I did that if it is true also they sais that they emailed me ( I never check my email ) I always depend on the paper statement to pay off my Credit Card balance all of this over a lousy {$35.00} even though I had excellent payment history with them and all my other credit cards, they also charged me {$29.00} late fee for their wrong doing I paid my account in full once I found out that I was late ( By Accident ) even the Credit Bearus told me they can reverse their negative action in you have in the past excellant payment history once again I NEVER ASKED FOR PAPERLESS STATEMENT their system did that and that is why they don't tell me when and how I did that
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in 2023, XXXX XXXX XXXX less than {$500.00} will no longer be reported on consumer credit reports. but my {$470.00} is still being reported