23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I finished paying my XXXX  XXXX credit card off XX/XX/2020 and unbeknownst to me they were charging me a $ XXXX  monthly fee and due to the devastation of COVID 19 I lost many family members and I wasnt keeping up with any email correspondences although I did not receive any calls from them. After 4 months upon checking my old emails I saw that Id been charged {$1.00} for 4 consecutive months and now had a past due amount that was a space of delinquency, I Paid it immediately upon my knowledge of the charges and The company still reported my account to the credit agencies and Ive since sent letters and lost many points without any resolutions or communication from first premier. Please help these late payments need to be removed. The company failed to contact me via phone which is my preferred contact method to let me know about the reoccurring charges. During these times I expected more compassion for a company Ive never been late on and have been loyal to for 20+ years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 UCS 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for and purpose
Product: Checking or savings account

On XX/XX/2023 recieved an email stating my account had been closed and that any remaining funds in my account would be mailed with in 30 days. On XX/XX/XXXX Called bank because merchant had refunded transactions that were made using this account so they had to refund to where funds originally came from so I wanted to confirm the would be mailing me a check for those refunds I provided date XX/XX/XXXX was when refund took place the amount and transaction ID numbers for the refunds I was told that I would receive an email telling me when they mailed me the check. I waited recieved nothing for communication so XX/XX/XXXX I called again to find out what was taking place as when they mailed check for refunds that were recieved to closed account I was again told I would recieve an email with date it was mailed and the exact amount all I recieved is a email same as originally that was sent when they first closed account stating they closed account funds if any remaining would be mailed within 30 days how ever when I spoke the first time about the refunds I was to that the refunded transactions would be mailed soon as the refund processed which I thought was instant but they said could be the next day I made sure to clarify that I was not going to be waiting the 30 days like u was for the remaining funds in my account they confirmed this so after trying to get direct answers and clear definitive answers as to what was taking place with the refunded transactions and no one being able to answer and just getting a complete run around I feel my only option is to seek help from another source as nothing is being resolved with them and the as they conduct buisness seems very evasive and vague and circular with no resolution in sight
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and legality of the information contained in my credit report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, I have not provided written consent for your agency to furnish my information to third parties or obtain my consumer information. 

Upon reviewing my credit report, I discovered that your agency has included information without my explicit consent. As per the FCRA, it is imperative that consumer reporting agencies obtain written consent from individuals before furnishing their information to third parties. I have not provided such consent, and therefore, the inclusion of this information in my credit report is in violation of my rights under the FCRA. 

I demand that your agency promptly investigate this matter and remove any information that was reported without my written consent. Additionally, I request that you provide me with documentation demonstrating that you obtained written consent from me to furnish my information to third parties, as required by law. 

Failure to comply with this request will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under the FCRA. 

I expect your prompt attention to this matter and confirmation in writing that you have taken appropriate action within XXXX days of receipt of this letter. 

Thank you for your cooperation in resolving this dispute.
Product: Credit reporting or other personal consumer reports

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX XXXX XXXX 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, XXXX XXXXXXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all.

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process.

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDITOR XXXX XXXX HAS APPROVED TO HAVE THE INACCURATE LATE BE REMOVED FROM THE XXXX XXXX ACCOUNT. LETTER ATTACHED PLEASE HELP ME TO HAVE ALL THREE MAJOR CREDIT BUREAUS TO REMOVE THE INACCURATE INFORMATION THANK YOU
Product: Checking or savings account

In XXXXXXXX XXXX XXXX there was a hail storm that damaged my house. I filed a claim and XXXX XXXXXXXX XXXX inspected an said the repairs are around {$60000.00}. They sent a check for $ XXXX for endorsment then we had to send it to the loan servicing company XXXX Loan CarXXXX ( Loancare ). My contractor filled out every form that Loancare has asked for. My XXXX and I even sent Loancare a signed invoice stating that they need at least $ XXXX to get started. Loancare denied that request. Loancare has over $ XXXX from my insurance company and will not disburse any of the funds. The Money is for the repairs of my home and Loancare will not give me my money. If you can fix this or provide me with an attorney 's information, so I can sue them. It would much appreciated. This is criminal in my opinion.
Product: Debt collection

I contacted XXXX  about the debt and disputed it many times. The paper work on the debt seemed shady to me. The bill we supposed to be covered by XXXX XXXX in Texas. I see know charge of date in the paperwork. It looks the bill is un clear. I contacted the collector and informed and be keep telling me wrong dates and making up what thing mean on the paperwork.
Product: Credit card or prepaid card

This is a second complaint related to complaint number XXXX. This is NOT new information but a NEW complaint that stems from this previous complaint. 

My account is set up on auto payment. My XXXX auto payment was {$190.00}. Due to incorrect information from XXXX regarding XXXXXXXX XXXX payment, I no longer needed to make that payment. So at XXXX I cancelled my XX/XX/XXXX autopayment. I received an email confirmation that I cancelled XX/XX/XXXX auto payment. When I did the cancellation online, I got a confirmation number of XXXX. To my shock, at XXXX that same day, I receive an email confirming my next autopayment of {$190.00} on XX/XX/XXXX ( this is the payment that I had cancelled at XXXX the same morning ). So concerned of what was going on, I got on XXXX chat with XXXX ( I have a copy of the transcript ). I mentioned to XXXX that I had cancelled the XXXX autopayment that morning and that I had just received an email confirmation of the XXXX payment coming out. I asked him what was going on. He tells me that I did not cancel the autopay correctly. I informed him that I had to have done it right if I have a confirmation number and an email. He told me that I cancelled the auto pay of another account (??? ). Again he told me that I didn't cancel it. Finally he agreed that the auto pay was skipped for the month. Not satisfied with this, I CALLED XXXX and requested to speak with a supervisor and they got me XXXX. XXXX could not explain why I received that email saying the payment was going to come out but he assured me that the payment would not come out. So yesterday I was looking at my account and saw that my balance had gone down from the day before. Monday my balance was XXXX and yesterday it was XXXX which is a difference of {$190.00} ( which is the amount of the auto payment that I cancelled ). I asked him what was going on. He said the payment was from autopay and it was processed because they could not get a confirmation from me after leaving multiple voice mail messages ( which is a flat out lie-but what confirmation did they need? ) So then he decided to transfer me to see if the payment could be cancelled. So next I got XXXX and she said that the payment of {$190.00} is processing for today. She basically couldn't help me so she had to transfer me. I got XXXX XXXX. This person told me that I have 2 payments set up, one from XXXX and the other from my bank ( another lie ). I have never set up anything through MY bank. All payments are made through XXXX 's website. This person came back and said that the payment has gone through and she can issue a refund back to my account. She said AGAIN that autopay was not cancelled successfully. Today I started worrying that the PEOPLE I spoke with yesterday were wrong and if the refund is sent to me, and XXXX didn't take it out, then I would have to send it back and I didn't want any fees. So today I called and spoke with XXXX, supervisor, and he said the refund is already processed and can not be cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # 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 that a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX XXXX Account # XXXX or XXXX Type Collection Agency/Attorney Balance {$780.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Type Collection Agency/Attorney Balance {$950.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXPhone : XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Type Collection Agency/Attorney Balance {$260.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPhone : ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Type Collection Agency/Attorney Balance {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  Account # XXXX Type Collection Agency/Attorney Balance {$150.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXX XXXX XXXXXXXX Account # XXXX Type Collection Agency/Attorney Balance {$360.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/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 XXXXXXXX
Product: Credit card

Bank of America received full payment of our credit card balance of {$1100.00} on XXXX/XXXX/15. To date, XXXX/XXXX/15 our account has not been credited. I have had at least 12 conversations with Bank of America. Originally B of A denied having the money even B of A confirmation number. I also have the electronic transaction information. Finally on XXXX/XXXX/15 B of A located the money and initiated a transfer to the correct account. Each time I call I receive a different date on when the account might be credited. Now B of A has billed again for the amount that was paid almost a month ago and apparently reported non-payment to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with a high credit of {$2600.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Dept of Ed/XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, CHILD SUPPORT ENFORCEM XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX BANK XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX 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 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 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 NUMBERXXXX ) 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 ACCOUNT and INQUIRIE 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 ACCOUNT and INQUIRIE from my credit report. 
ACCOUNT : XXXX XXXX XXXX XXXX {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed errors on my Transunion credit report, so I tried contacting them to have them fix the errors. I have not been able to get them fixed and Transunion is violating section 611 of the FCRA and my right to dispute inaccurate information found in my report and have it removed. I notified them 70 days ago and the errors are still on my credit report.
Product: Debt collection

The debt collector keeps sending me collection letters even after I informed them the debt was discharged in bankruptcy, almost XXXX years ago.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting

FILED A DISPUTE # XXXX. RECEIVED A REPLY FROM EXPERIAN THAT SAID VIRTUALLY NOTHING AND VERY CONFUSING.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Subject : Dispute of Alleged Account Account Number : XXXX XXXX XXXX XXXX To whom it may concern : I am writing to formally dispute the alleged account associated with the account number mentioned above, as per a court order dated XX/XX/2023, which concluded the parties have agreed that the landlord dismisses the monetary claim with prejudice. I do not have a monetary obligation in this matter. The court case was mediated and subsequently closed without prejudice. I received a notice from your agency regarding the collection of a debt, and I believe this to be a violation of the court 's decision. As stated in the court order, which I have attached for your reference [ A physical copy is on file with your office as well ], the matter at hand was thoroughly examined, and it was determined that I do not owe any monetary obligations related to the alleged account. Therefore, I kindly request that you cease all collection activities immediately and update your records accordingly. To assist you in resolving this matter swiftly, I have enclosed a copy of the court order for your review. It clearly states that the case has been closed without prejudice, emphasizing that I am not liable for any outstanding debts associated with the alleged account. It is imperative that you abide by the court 's decision and discontinue any attempts to collect on this debt. I expect your full cooperation in this regard. Failure to comply with the court 's order and to cease all collection activities may result in legal action being taken against your agency for violation of the Fair Debt Collection Practices Act. Please provide written confirmation within 30 days of receiving this letter, acknowledging the closure of the case and confirming that all collection efforts related to this account have been terminated. Additionally, ensure that no further communication or reporting to credit bureaus occurs concerning this disputed debt. I trust that you will handle this matter promptly and with the utmost professionalism. Thank you for your immediate attention and resolution of this dispute. Respectfully, XXXX XXXX XXXX
Product: Mortgage

I have had a continual problem with my current mortgage company year after year attempting to force outrageous homeowners insurance on me, while have had continuous good coverage with XXXX. Come tomorrow I will be contacting my State Insurance Commissioner and the CFPB to determine if it is XXXX or Suntrust Mortgage which is responsible and/or co-responsible for my last three years of TORMENT BY FRIVOLOUS & IMMEDIATE FINANCIAL THREAT. 
For the last three years I have made calls to XXXX XXXX to change my mortgage supplier to Suntrust Mortgage, Loan : XXXX All three years I made calls to Suntrust Mortgage to get automatic exchange of information. They said it was MY problem and refused to contact XXXX for any updates. 
I have years in a row spoken with XXXX staff to HAVE THIS CHANGED ON THE DECLARATIONS PAGE. YOU HAVE THUS FAR REFUSED TO DO SO YEAR AFTER YEAR. Each year I GET FINANCIAL THREATS BECAUSE OF THE FAILURE TO TRANSFER MY MORTGAGE HOLDER. 
I DID NOT REQUEST A CHANGE IN MORTGAGE HOLDING. IT WAS DONE WITHOUT ANY REQUEST BY ME!!! 
XXXX or XXXX of you incompetent financial companies is responsible for my distress. What if I was on vacation or in the hospital for a couple weeks. I WOULD HAVE BEEN ILLEGALLY SADDLED WITH AN EXPENSIVE AND SUPERFLUOUS HOMEOWNERS POLICY. 
Suntrust says I am responsible to provide the missing information, but they bought the mortgage from XXXX XXXX with nary but a XXXX paragraph letter after the purchase fact. 
XXXX year after year will call Suntrust ( after I have provided the phone number ), but never changes the Mortgage Holder on the Declarations page, causing this to be a repeating CATCH-22 financial threat. I need to know which party or both are responsible for what I believe to be an illegal financial threat and potential immediate illegal action against me. 
PS. GOD BLESS XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed Equifax for several weeks. There are errors on my credit file regarding a bankruptcy. I have repeatedly asked the company to provide a petition with my signature on it. They refuse to comply. And their method of verification is in violation of the FCRA.