23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an automated call from an undisclosed company asking me to call back. I called, and was advised that there has been a complaint filed against me by my creditor. I was informed that I was going to be taken to court if I did not agree to pay a settlement offer at the time of the phone call. I was told I would be sued for Breach of Contract as well as An Attempt to Defraud a Financial Institution. The caller never disclosed that this call was " an attempt to collect a debt '' and further advised " you have been officially notified. '' I asked who he represented, to which he replied he represented a company called " XXXX XXXX XXXX '' and that his company was retained by Chase to pursue this matter. I asked him to allow me to contact Chase to determine the validity of the debt. He advised that if I do n't accept this settlement offer now, he would mark my paperwork with " refused to pay '' and would " push '' it through the system. I requested again the opportunity to contact the " original creditor '' to which he replied, " Do n't worry, we will find you. '' I hung up the phone at this time and called Chase immediately. Chase advised me that there is an old account that they no longer own and do not have any information on the account. Chase assured me they would not have hired any company to call and tell me that I was being taken to court as they no longer own the debt. Chase advised that I have no further dealings with them regarding this old debt that they sold in XXXX ( 8 years ago ). The man for XXXX XXXX XXXX also advised that they will be filing a garnishment on my social security number and assured me they would get their money. The calling automated number was form Alaska : XXXX and I was provide a file number that I will be happy to provide upon request. The date and time of this call was XXXX am MT and the return call was at XXXX XXXX MT on XXXX XXXX, XXXX. The amount advised was {$2800.00} with a settlement offer of {$990.00}.
Product: Checking or savings account

XX/XX/2024, XXXX. I deposit around XXXX dollars cash to Chase ATM on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. And, the ATM only took my cash and did not deposit it to my account. It only give me a receipt to let me contact with customer service. After contacting with them, they said it will take a few days to open an investigation to solve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations Name is not correct : XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX # APT XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$2600.00} XXXX, XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

MY NUMBER IS ON THE DNC REGISTRY FOR YEARS NOW AND I HAVE NOT REMOVED IT FROM THE REGISTRY. MY PHONE NUMBER IS XXXX. PHOENIX FINANCIAL SERVICES LLC CALLED ME FROM XXXX. THE TEXT TOLD ME THEIR PHONE NUMBER WAS XXXX. THEY TOLD ME THEY WERE ATTEMPTING TO COLLECT A DEBT FROM XXXX XXXX XXXX  XXXX. ACCOUNT NUMBER XXXX. WHEN I CLICKED ON THE LINK IT DID NOT ALLOW ME TO INSTRUCT THEM TO STOP CALLING OR CONTACTING ME. THIS IS A FDCPA 1692F AND 1692G AND TFC VIOLATION OF 392.301 ( a ) ( 8 ) - AN ACTION PROHIBITED BY LAW. I HAVE A RIGHT TO OPT OUT OF CALLS AND TEXTS AND THEY MUST ALLOW ME TO DO SO. I CLICKED ON THEIR LINK AND TRIED TO INSTRUCT THEM TO STOP CALLING ME BUT I WAS UNABLE TO DO SO. THEIR WEBSITE FORCE ME TO THEIR " NOTICE '' PAGE AND IT ONLY GAVE ME TWO OPTIONS. TO PRESS A " CONTACT US '' OR AN " OK '' BUTTON. I DO NOT CONSENT TO ANYTHING SO I DID NOT PRESS THEIR OK BUTTON. WHEN I PRESSED THEIR CONTACT US BUTTON THE PAGE FLIPPED TO ANOTHER PAGE AND THEN BROUGHT ME BACK TO THE ORIGINAL NOTICE BUTTON. OVER AND OVER AGAIN, THE SAME THING HAPPENED. THIS IS ILLEGAL. IF THIS DEBT IS NOT MINE THEY SHOULD HAVE SEARCHED TO SEE IF MY PHONE NUMBER WAS REASSIGNED. THEY DID NOT SEARCH TO SEE IF MY NUMBER WAS A REASSIGNED NUMBER. THIS IS A 1692 ( B ) VIOLATION. THERE ARE ALSO MANY TCPA VIOLATIONS HERE TOO. THEY USED AN ATDS OR ADAD TO CONTACT ME. I WROTE TO THEM VIA TEXT MESSAGE LETTING THEM KNOW MY NUMBER IS ON THE DNC REGISTRY AND INSTRUCTED THEM TO SEND ME A COPY OF THEIR DNC POLICY AND TO STOP CONTACTING THEM. I DID NOT RECEIVE A RESPONSE. I GAVE THEM MY EMAIL SO THAT THEY COULD SEND ME THEIR DNC POLICY. I ASKED THEM IF THEY HAD MY CONSENT TO CALL ME WITH THEIR ATDS OR ADAD.
Product: Mortgage

An updated Insurance Policy was submitted to Seterus via fax on XXXX/XXXX/2015, fax confirmation hereto attached. On XXXX/XXXX/2015 XXXX XXXX XXXX Seterus confimred a new policy was not received. On XXXX the insurance policy was refaxed, fax confirmation hereto attached. On XXXX/XXXX/2015 a request for an escrow analysis was made with XXXX XXXX. On XXXX/XXXX/2015 a follow up call was made to Seterus for the status in which we were told it would take 7-10 days. On XXXX/XXXX/2015, we called Seterus spoke to XXXX XXXX XXXX Seterus to follow up on the escrow analysis but would not provide any other identification as confirmation of the call such as her full last name, extension or Agent ID ; who stated an escrow analysis was never ordered and she also advised the conversation XXXX XXXX was with their insurance department XXXX not Seterus so it was not processed since XXXX. She stated the turn around will take another 7-10 days. Seterus ' stall tactics of not performing a proper escrow analysis since XXXX XXXX 2015 for over 2 months is putting the borrower at risk of defaulting.
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. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX 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

XXXX XXXX/XXXX XXXX XXXX XXXX  continue to report late payments on the account, from XX/XX/XXXX until XX/XX/XXXX OF THIS YEAR. The account was paid IN FULL in XXXX, and they refuse to provide me with the audio recording where I was told ON RECORD that paying the account in full would remove all negative reporting on my account. I received a letter stating that " isn't their policy '', which is absolutely ridiculous because that's what I was told. Your word is a contract, and you don't want to provide me a copy of my own recording? Furthermore, I cleared this matter before I became a police officer, which was in XXXX. They literally report this late account each month, and it is impacting my ability to acquire loans to assist my family with medical and legal matters. I hope CFPB publishes this account, so they know this company continuously reports late payments month after month, year after year the company has closed. I will not give up until this is corrected.
Product: Credit reporting or other personal consumer reports

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. 

XXXX XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

I tried to open the XXXX service with Discover bank. However they always refuse me with confidential reason and never let me know ( non-disclosure ). It's suspicious. 

Also I already called the customer service for over 10 times to try to resolve this issue for a few years. 

I'm a client with Discover bank for over 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX   XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX  XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit card or prepaid card

XX/XX/XXXX I paid for my husbands XXXX online. To XXXX XXXX XXXX  in XXXX XXXX Arkansas. 
The charge was {$2200.00}. Later that day I open my credit card account online & there was a charge for {$22000.00} to XXXX XXXX. 
I called the Autopsy office & talked XXXX the office manager who had earlier that day walked me threw the steps to pay {$2200.00} online. 
She told me, there was nothing she could do. 
I needed to call my credit card company. 
XXXX Citicard XXXX Last 4 numbers of card XXXX. So I did & was told by Citicard the charge was approved already so I had to file a dispute for the {$22000.00}. Charge. 
So I did this right away over the phone. 
I did pay {$2200.00} for the autopsy on the same credit card that same day. 
XX/XX/XXXX. 
XX/XX/XXXX. I saw the {$22000.00} was put back on my card. 
I called. Was told the dispute department found this to be my responsibility unless I provided more info. So XX/XX/XXXX I faxed more information, & emailed it also. 
The person I was talking to at forensic office, XXXX, her phone number. The invoices paid to XXXX. One correct, other overpayment invoice. I provided, The phone number & person to speak to about the over payment of {$22.00} XXXX. In the XXXX XXXX account, which I had gotten from XXXX the forensic office manager. 
XXXX XXXX I called Citicard to check on status of this dispute. 
XX/XX/XXXX a second charge {$22000.00} was applied to this same XXXX, Citicard. 
I called XX/XX/XXXX & spoke XXXX. 
Told me was mistake & would be corrected. 
Called again XX/XX/XXXX to see why not not corrected. 
Talked to XXXX at Citicard who told me it was mistake & would be corrected. 
Still have 2 {$22000.00} charges on this card, showing it overdrawn. {$20000.00} due immediately. 
No credit on a {$30000.00} available card. 
I sent fax, email. On XX/XX/XXXX & again on XX/XX/XXXX trying to get this corrected. 
XX/XX/XXXX I got email from the dispute department saying. 
According to the documents received XX/XX/XXXX, you accept responsibility for Charge. 
So we consider this matter resolved!!! 
I called dispute department XX/XX/XXXX & spoke XXXX, who assured me this matter will be taken care of. 

No response as of today from the dispute department. 
Today I faxed & emailed them again. 
Because I still have these 2 fraud {$22000.00}. 
To XXXX XXXX in which the credit card company are saying Im responsible for. 
Man can only die once. 
So why would I have to pay for 3 Autopsys on Same person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Us Dept of EdXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit reporting agenties to do a verification of inquires was was not aware of and upon completion I was enformed my email in less than 24 hrs that all inquires I'm questioning are factual record of the file and will remain on Equifax, XXXX and XXXX. 

XX/XX/2022 - XXXX XXXX XXXX XXXX XX/XX/2022 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 XXXXXXXX In accordance with the Fair Credit Reporting acXXXX XXXX Account #, 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 aslo states a consumber reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

To whom it may concern, I have been a Loyal Wells Fargo Bank customer since XX/XX/XXXX. Just Recently I received a letter from Wells Fargo Bank advising me that my credit limit would be reduced by {$1400.00}. The reason being that the amount I owed on other credit cards was too high, that I had too many cash advances in one year, and that my payment to Wells Fargo was too low relative to the balance I owe. On this last point I understand that if I make the minimum payment only, I will pay a lot more in interest charges. I have been paying a little more than the minimum which Wells Fargo sets so I do not understand why this would be a issue as long I am current with my payments, which I have always been. 
I feel Wells Fargo lowered my current limit intentionally so they would be able to charge me more fees in case I went over my limit. In over 20 years of banking with Wells Fargo I have yet to default on any account. I am going through a personal financial crisis right now but I have managed to keep all my payments on time. I expect by years end to have my situation under control and I have been gainfully employed at the same company for 20 years. I believe Wells Fargo uses this type of situation to take advantage of customers and turn a bigger profit also by lowering my credit limit they cause my credit score to go down. Thank You
Product: Credit card or prepaid card

I had a business credit card with American Express. My business experienced some financial hardship and struggled to make the minimum payment for 4 months. I experienced extremely aggressive calls, and I'm not clear whether they from American Express or a debt collector, but I had to block communications because the callers either could not or would not discuss my business ' recovery plan and a new payment plan. I continued paying the card even though I could not always make the minimum. 

I'm happy to say the business started to recover. Because I had to block phone and email communications from American Express and companies representing them to avoid harassment, I sent communications to American Express by letter starting in XX/XX/2019 to attempt to resolve the account. 

American Express then put the business card on my personal credit report with a negative status. In XXXX I was served papers by XXXX XXXX XXXX filing a lawsuit against me personally, and it was filled with incorrect information including an incorrect balance. To me, this is escalated harassment. 

I contacted XXXX and negotiated settling the account. I specifically requested removing the business credit card account from my personal credit report. My business completed payment swiftly, by XX/XX/2019, but American Express still has not removed the account from my personal credit report. American Express incorrectly reports the account as settled in XX/XX/2019 and has changed the status to be even more negative. It has been 4 months and the negative report has devastated my credit score. 

I have tried to resolve this both by filing disputes with the credit bureaus and by sending letters directly to American Express ( both to the company 's credit bureau department and the company 's headquarters ). I keep receiving obtuse replies that the account status is updated with the credit bureaus. ( The account shouldn't be listed with the personal credit bureaus at all, that is the problem. ) I don't receive any direct responses to my specific request to meet the terms of our settlement and remove this business account from my personal credit report. 

I acted responsibly in my business and my thanks is a personal credit score that will not recover for 7 years, causing significant personal financial hardship. 

All of the letters I sent to American Express and other details are available if needed.
Product: Money transfer, virtual currency, or money service

I attempted to dispute a charge on XX/XX/, and the company cash app would not process. They didnt even look at my disputes. They were XXXX unauthorized charges, as well as one ATM that did not dispense any money. When I tried to reach out to them about this, they will not provide me any additional information you requested to appeal this dispute, and they said that they would not even look at it I then attempted to have my partner assist me submitting a complaint on XXXX XXXX  and they gave a pathetic response that did nothing to fix the problem. I want my money back and no one is wanting to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and I still see the disputed account in my file I already request verification and a fix to the disputed account. Therefore I am filing a follow-up complaint to ensure that the listed account is updated Please fix the listed account : XXXX  XXXX XXXX Balance : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting 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 ht

tps : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights. I want to emphasize that I never actually occupied the apartment for which I am being unjustly charged. Despite this, the apartment 's cost is affecting my credit report, and I have made multiple attempts to contest this with the relevant company. Their assertion that we reached a resolution is false, as no agreement was genuinely reached. I insist that the {$8300.00} collection by XXXX XXXX XXXX XXXX be promptly eradicated. The basis for this demand stems from fabricated claims of tenancy, as I never moved into the apartment. It's critical to note that no evidence has been presented to validate my occupancy there, despite my repeated requests for such proof. The actions of XXXX XXXX XXXX  not only involve fraudulent activities but also jeopardize my well-being due to the unwarranted credit report, which is the sole obstacle preventing me from securing a safe living space. 

XXXX XXXX XXXX XXXX XXXX XXXX  has egregiously infringed upon my rights by incorrectly reporting 12 instances of late payments. This erroneous reporting has had a significant negative impact on my credit score, thereby impeding my ability to secure housing and obtain credit. Notably, this pertains to a school loan, which by its nature should not have been disclosed publicly without my explicit consent. Furthermore, given that I was actively enrolled in school during the relevant period, my loan should have incurred a XXXX monthly payment. 

I engaged in a conversation with a representative from XXXX XXXX who advised me to initiate a dispute in order to rectify this situation. I was assured that the late payments would be rectified and the account would be restored to good standing, rather than having 12 late payments inaccurately reflected on my credit history. I beseech that these unwarranted late payment entries be expeditiously expunged from my credit report. It's essential to underscore that my debt has since been consolidated and is no longer associated with XXXX XXXX 

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 an 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.