23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Five years ago, I got my first credit card with Bank of America account and credit cards ending in XXXX They started me off with a {$500.00} limit, and two years later, they bumped it up to {$1500.00}. I used that card regularly, paid off my bills on time, and never missed a payment. Last year, I had a bit of debt, but I started to pay it using the snowball method to bring my balance to XXXX. Later, on XX/XX/XXXX  Bank of America decided to close my account, I had no outstanding balance and a solid track record as a customer who always paid on time. 

On XX/XX/, they closed my account, citing reasons like inactivity, high balances across my cards, and insufficient credit history. None of this adds up. 

Right now, I am set to make annual income of {$90000.00} this year, and I earned {$70000.00} the last couple of years. I work for a reputable organization and have a good credit score of XXXX. I have never been late on a payment, dont have any collections, and there is nothing negative on my record. 

I have been using this card consistently for the past four years. My last big purchase was about {$1300.00} in XX/XX/, and I still used the card after thatjust less often because my other cards offer better rewards and higher limits. So, insufficient credit history? Really? I have 6 other credit cards, paid off a {$42000.00} auto loan, and paid off 2-3 unsecured personal loans with no issues. 

Can Bank of America explain what sufficient credit history even means in their book? Should I have had a mortgage when I was XXXX XXXX XXXX? 

I am asking for my account to be reinstated because the reasons for closing it dont match up with my records or reality.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some hard inquiries on my Equifax credit report that needs to be deleted as soon as possible because the companies have already sent the proper documentation to Equifax to have these removed all my credit report because they were unauthorized. I am trying to qualify for a mortgage but do n't want to apply for anything until these are removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX account nor a XXXX account and the account is fraudulent. XXXX XXXX XXXX, XXXX and Experian, XXXX and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estopper by silence. XXXX v XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX- XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They called me and left a voicemail saying I should call them back for personal reasons that they did not disclose. They never said who they were or what they do. When I called they refused to disclose any information before I could verify my full name, address, social, and date of birth. They said they did n't have a physical address to give me when I asked for it. 

To me this sounds like someone who makes a living out of identity fraud.
Product: Student loan

My nephew attended XXXX XXXX XXXX for 4 years and 1 XXXX year. He intended to become a XXXX  but died at age XXXX. It has been almost a year since he has been gone. I am his aunt with POA for his father ( my brother ). In the last year of school my brother co-signed a private loan.to help with tuition. At this point my nephew owed approximately {$36000.00} to Navient. Since the loan money went to Navient directly, my brother did not understand what he had just signed. When my nephew died XXXX of the XXXX student loans ( XXXX XXXX {$77000.00} in XXXX loans and Navient {$15000.00} in XXXX loan ) were forgiven.. The private loan {$15000.00} was not. I became aware of the problem this last year ( 2016 ) and contacted Navient to find out what had happened. I got a different manager every time I called. I talked to the Navient office of Customer Advocate for Navient. To buy some time I bought several months of forbearance to keep the account out of default while I tried to reason with Navient.. I called XXXX XXXX XXXX Finance department and found they considered the remaining debt as standard of practice should also be forgiven. I tried throgh my US Senator to contact the Federal Student Aid but found the CFPB was the correct department. I did not make any progress toward making a resolution. other than to " just pay up ''.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX I personally wrote a certified letter to Wells Fargo Dealer Services, I mailed a debt validation letter, requesting VALID proof that I owe { {$6500.00} } .On XX/XX/XXXX, I received an itemized letter with a list of dollar amount, attached is verification of the debt ''. Wells Fargo Dealer Services, is saying that I was a collections/charge off. Im disputing delinquent information that Wells Fargo Dealer Services has reported on my Credit Report, please note this account is paid-off in fullTherefore I am filing a dispute and requesting to have this collection account deleted from my credit report. Thank you.
Product: Debt collection

RESURGENTLVNV FUNDING is in violation of the FDCPA and FCRA law. 15 USC 1692 ( XXXX ) ( 3 ) RESURGENTLVNV FUNDING is not licensed to collect any debt in my state nor do I have a contract with this company. FDCPA XXXX XXXX XXXX ( c ) request proof of validation that I own this fraudulent debt XXXX XXXX XXXX ( b ) This Cease and desist include but not limited to any collection attempts and or reporting of this account to any consumer reporting agency. RESURGENTLVNV FUNDING parked an illegal fraudulent account on my credit report without notification by mail. The collection debt company didn't provide any information of their investigation. This account needs to be removed from all three bureaus until RESURGENTLVNV FUNDING provide proof I own this debt! DON'T PROVIDE ME WITH COPIES OF ITEMIZE COPIES OF PAPERS OF FRAUDULENT SPENDING! I WANT TO SEE PROOF SIGNATURE OF THE CONTRACT
Product: Debt collection

To whom it may concern, I am providing your company an explanation of various reasons for which that your company requested to this disputed debt. Please be advised this response is very imperative to why I refuse to pay this alleged debt. Notice according to the FDCRA there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many collectors. Therefore, Im requesting your company PDM to provide me with valid sufficient document of a prior consent given directly from me or permission from a competent judicial court of a initial communication or court order of this disputed debt pursuant to 15 USC 1692c. Please be advised the previous documents I received via mail were falsely represented and unapproved by any court or agency of the United States. Notwithstanding proof shown of deceptive representation of such Employment Verification Form with another business name to obtain information concerning me is illegal. Furthermore, your false misrepresentation as if your company are debt collectors employed by a consumer reporting agency is proof of abusive and unfair debt collection practices pursuant to the FDCRA. 
Your company have used my identity to furnish deceptive means on my consumer report not excluding invasion of my privacy for which was never permitted by law. However, your company are aware of FDCRA of such violations and extortionate means to coerce a payment of this alleged debt is inevitable of a prosecution to be fined or imprisoned not more than 20 years pursuant to 18 USC 894. Due to your company continuously manipulation from refraining of such violations. I am prepared as a law-abiding citizen to push forward the consequences of your company or any employee that makes it impossible to redress this problem of this account. 
Please advised Im requesting your cease of all communications and termination of this deceptive account furnished on my consumer report. If your company disagrees, I request that your company provide me with valid authorized documentation by any court or agency of United States notarized with signatures and specific dates of this action. And record of names thats provided of signatures on previous files shown as supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company auto track is incorrectly filing information to the credit bureaus to try to stay on my credit file longer than they should be. I have went to court for this case and the court document show that I owe them nothing. The company actually put invalid information on my car so that my loan amount can be bigger than what the actual car is worth I had a base model vehicle and they made it a top line to sell it for more. This has been settled through two of the three credit bureaus and staying stuck on one because they are providing false information
Product: Debt collection

Calvary SPV I, LLC has contacted my sister through email on numerous occasions. These emails are not case sensitive and give out my personal debt information. It states to disregard if they are not XXXX. However, it goes on to show my account number, and the amount they state I owe. I am currently paying off a different debt from the same company, which they have refused to merge the accounts together. Before I was able to make payments on that account, they had started to contact my grandmother asking for my information, telling her about my debt and even asking if she would make a payment on my behalf. Additionally, in 2015 this company has threatened to take legal action to garnish my wages. Ive been making payments on another account with the same company. I would like them to stop contacting my family regarding my personal information.
Product: Credit card

In spite of an exceptional credit rating per FICO ( three different banks say so, including CHASE ), CHASE bank closed all my credit card accounts ( 4 ) AND a checking account. Their " customer service '' agent said there is no appeal and no one can or will say why. 
After on-line search for similar complaints, I am sure that I have been " de-banked '' for my political views. 

This is clearly un-American but expected under the current administration.
Product: Debt collection

Being sued by midland credit.this company bought the debt from XXXX XXXX in the amount of XXXX. Count XXXX XXXX, count XXXX XXXX XXXX  XXXX count XXXX XXXX  XXXX  XXXX. I requested a debt valuation from them that they own the right to these accounts. I had not entered an agreement with them. also asking for a 1099c from the original credit card issuer and all payment and buying history with these original credit card issuers.also to see if any insurance claims have been made on these accounts with original credit card issuers. Thank you
Product: Debt collection

I wrote Amsher Collection company on XX/XX/2021 asking them to validate this XXXXl debt. I let them know that under FDCPA, I have a right to request validation of debt that they say that I owe them. It was a breach of security because I do not have any contractual obligations which is binding me to pay this debt. I ask them to delete this from my credit profile and they have not.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Who Can Help me, I sent in letters to a bureau equifax about inquiries I never seen before. They are not mine. I am writing this complaint because they haven't responded gave me an update or anything.
Product: Debt collection

This is not my account my account. I did receive any mail with the opportunity to dispute. Please provide validation of the debt, method of verification and Assignment of debt. Please Delete ASAP. 

XXXX XXXX XXXX  # XXXX
Product: Debt collection

Please see attachment below my FTC report is attached the companies that have currently been harassing me. As well as the Inquires
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Request to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXXXXXX account ( Account # XXXX ). Despite my repeated requests for correction through disputes filed on XXXXXXXX XXXXXX/XX/XXXX, and XXXX XXXXXX/XX/XXXX, no changes have been made to address the inaccuracies. These unresolved issues are in violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Payment History Discrepancies The payment history for this account contains significant inaccuracies : Equifax reports a 30-day late payment for XX/XX/XXXX, which is incorrect. 
XXXX reports a 30-day late payment for XX/XX/XXXX, which is also inaccurate. 
XXXX inaccurately reflects the account as having a 30-day late payment despite showing no late payments in the detailed two-year payment history.

These discrepancies among the credit bureaus highlight a failure to maintain consistent and accurate reporting of my payment history. The 30-day late payments reported by Equifax and XXXX are false and unsupported by any records. 
FCRA Violations 15 U.S. Code 1681i : Mandates credit reporting agencies to ensure the accuracy of information in consumer files. Equifax has failed to investigate and correct the disputed information. 
15 U.S. Code 1681e ( b ) : Requires credit reporting agencies to adopt reasonable procedures to assure maximum possible accuracy of the information they report.

TILA Violations 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reporting of a late payment indicates non-compliance with this requirement.

Impact of Inaccuracy This erroneous reporting has caused significant harm to my creditworthiness and financial standing, creating barriers to obtaining credit at favorable terms.

Previous Dispute History My first dispute regarding this issue was submitted on XXXX XX/XX/XXXX, and my second dispute on XXXX XX/XX/XXXX. Despite providing the necessary documentation to support my claims, no changes have been made to correct this error. 
Desired Resolution Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Attachments To assist with your investigation, I am including the following documents : A copy of my government-issued ID. 
A copy of my Social Security card. 
Copies of the dispute letters from XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 
A highlighted copy of my credit report showing the inaccuracies. 
If this issue is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider seeking legal action to protect my federally granted consumer rights. 
I expect your response to this letter within 15 days as mandated by the FCRA. Please contact me if additional information or documentation is required to complete your investigation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXXXXXX Balance XXXX {$34000.00} XXXX XXXX Balance : {$950.00} XXXX XXXXXXXX Balance : {$8400.00} XXXXXXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXXXXXX Balance : {$34000.00}
Product: Credit card or prepaid card

I tried sharing my credit card information to my XXXX account. In order to up to date information on my account because I am applying for a VA Mortgage.
Product: Debt collection

On XX/XX/2019 a collection came up on my XXXX and XXXX XXXX XXXX. It lowered my FICO score by 25-30 Points. The collection agency is Midwest Recovery Systems, LLC. I received no letters or phone calls prior to this even though my phone number has not changed in 13 years. I filed a complaint to both credit bureau agencies and contacted Midwest Recovery by phone and tried by mail. I received no satisfactory answer via phone and their address was no valid as I tracked the letter via tracking and it bounced from city to city in Missouri about 4-5 times before someone accepted it. 

Bottom line this is not my debt as I stated in the letter and disputes. The following is the " address '' of Midwest Recovery '' MIDWEST RECOVERY SYS, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX XXXX. Phone ( XXXX ) XXXX. This debt originator is XXXX XXXX XXXX Internet, llp whoever that is. 

This debt was removed from both XXXX & XXXX but today checking my FICO I find that it is once again on my XXXX credit report. Nothing to date has been received from Midwest Recovery Systems, LLC even though I asked for documentation.
Product: Debt collection

Received a letter on XX/XX/XXXX from XXXX on behalf of XXXX XXXX XXXX stating I owed XXXX {$7100.00} I responded to that letter with a VERIFICATION OF DEBT. 

Verification of debt was never received nor was any other correspondence. 

Another letter was received over a year later on XX/XX/XXXX, from a new debt collector CONVERGENT OUTSOURCING INCXXXX requesting the same amount {$7100.00} I responded to that with a similar letter requesting to get DEBT VALIDATED. 

Today XX/XX/XXXX, I received another letter from CONVERGENT OUTSOURCING INC. requesting that I provide the following : 1. Complete affidavit 2. Copy of driver 's license 3. Police Report 4. Proof of Residence I refuse to provide any information to any debt collector until the debt has been validated and the proof is provided.
Product: Mortgage

SLS is the servicing company for XXXX bank. Supposedly, XXXX owns my XXXX mortgage which originated with XXXX XXXX. I have been unable to complete a refi on my home due to a negative title search which shows XXXX as the loan holder. I requested the required documentation from XXXX and was told that SLS has to provide the paperwork. I made numerous phone calls and written requests to SLS. They were rude and deceptive. They lied and gave me the run around. They sent me the copy of my original contract with XXXX, which did not show transfer of the loan to XXXX, more than once, in an attempt to placate me, even after I made them aware of their " mistake ''. I made XXXX written attempts. They made me wait the legal limit of 30 days and have yet to supply me with the proof that I requested, the proof that I am entitled to by law. I feel my legal rights have been violated. I think they are purposely trying to stall me with misleading information because they do n't want to admit that they can not produce the documentation I have requested. I am losing approximately {$200.00} a month each month the refi gets stalled. They have not shown any professionalism or compassion. They have yet to take any responsibility and refuse to be held accountable. Customer service reps have out and out lied to me, which I can prove, as XXXX of the calls was a XXXX way conversation in which the customer service rep stated he had the documentation, other documentation than what was already sent to me, and that he would get it right out. When I did not receive it, I called back. I spoke to a supervisor, who would not allow me to speak with the customer service rep, even though I had his name and ID number. She said she spoke to him and he denied saying he had other documentation. I asked her to pull the tape. She stated " she would, but it was not going to be any time soon ''. I never heard back. I did call the rep from XXXX back, who initiated the XXXX way call, and he confirmed what we had been told. SLS has a long history of complaints. I can see why. I do n't know why a company like XXXX would choose to be affiliated with a company like SLS. I have no choice, but I am literally XXXX,. I can not get my refi done, through absolutely no fault of my own, without XXXX and that does not look like it is ever going to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get financing for a vehicle advance. I was eager to go to the business until the vehicle sales rep returned into the room and educated me that he would not have been ready to make me account for any vehicles. This got me off guard I have consistently perceived the significance of having and keeping up great record. So I generally put forth a valiant effort to ensure I kept the entirety of my undertakings all together. So obviously I was loaded with various feelings when the sales rep educated me that I wouldn't fit the bill for any financing. These negative things being accounted for on my credit report are not my records. I request them be eliminated. This is maligning of character. This is likewise a FDCPA infringement 15 USC 1692d. Announcing erroneous things on somebody credit report adversely influences a shopper 's standing. FCRA 15 USC 1681 states that a purchasers credit report is the customer 's standing. In the event that these things are not eliminated quickly I will look for suit. I additionally gave proof to help that I was a casualty of the Equifax information break.
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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.