23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I made 2 separate claims on fraudulent atm transactions. After being denied a refund, I have called more than a dozen times to speak to a representative from the fraud department with no response or call back that is promised within 24-48 business hours. They made 1 attempt to call me back from an unknown number, which I was unable to answer, out of the dozen that I have made. Their refusal to speak to me about the denial letter is a complete disregard for my financial well being, which I have entrusted in their institution. If they had investigated this claim at all, they would see that I was obviously not the same person withdrawing said funds. 

Beginning on XX/XX/21 atm transactions began to duplicate from the same atm location as I withdrew funds from or other atm locations in which I did not use. The transaction amounts were for the same amount of money as my own withdrawal amounts on the same day. 
The list of transactions below were NOT done by me. 

XX/XX/21 {$160.00} XXXX XXXX XXXX XXXX XX/XX/21 {$3.00} inquiry fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$200.00} XXXX XXXX XXXX XX/XX/21 {$83.00} XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21 {$3.00} atm fee XX/XX/21 {$200.00} XXXX XXXX XXXX XXXX XX/XX/21 {$3.00} atm fee XX/XX/21 {$200.00} XXXX XXXX XXXX XXXX XX/XX/21 {$200.00} XXXX XXXX XXXX XXXX XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm fee XX/XX/21 {$3.00} atm inquiry XX/XX/21 {$500.00} XXXX XXXX XXXX XX/XX/21 {$3.00} atm fee XX/XX/21 {$500.00} XXXX XXXX XXXX XXXX XX/XX/21 {$3.00} atm fee
Product: Credit reporting or other personal consumer reports

The collection account reported on my credit report from Consumer Adjustment in the amount of {$1600.00} is not my account, and I have no knowledge of it. My first time seeing this account was after it was reported on my credit report. I immediately reached out to this company, and I have not received any response. My rights as a consumer are being violated yet again. My information has been in data breaches, and I have no idea who has access to my personal information, and what they are using it for. Therefore, this account could very well be a result of my information being used to receive, Money, Products, or Services, whichever it is I have no clue as to what this company is or what they do. I am not being treated fairly because my credit is being negatively impacted by this false reporting, and I thought I was doing my diligence by reaching out to this company to let them know of their error, But, because they wish to bully me in paying for something I do not have, they proceed to hinder me from using my credit to obtain future goods, money or services with any other companies, by lowering my credit scores. Companies deny me for services because of the negative reporting of this collection account.
Product: Money transfer, virtual currency, or money service

I have transferred {$30000.00} by secured ACH from Bank of America ( BOA ) checking account to my savings account at XXXX XXXX as I fetch more interest. This is a secured transfer with verification code sent to my mobile. Also, confirmed the transfer by me 'Yes '' for BOA text message. No error occurred and got email confirming I initiated XXXX. However, the transaction was canceled by Fraud detection department, informed me via email and text message and my account was locked. Called them at XXXXXXXX XXXX  on XX/XX/year> and the agent verified the info. unlocked the account and said it will go through. But, got email at XXXX XXXX that it is declined. Emailed them and Called them multiple times and call used to get disconected. At XXXX XXXX  on XX/XX/year>, was on phone with service rep for XXXX minutes and wire transfer entered while verifying the info by service rep and promised that it will go through. I have recorded the conversation with customer service representative multiple times. Every time they say " now we verified and it will go through successfully ''. But I do not see the ACH tranasctions on line except the initial one that has been canceled. It appears to me that they are doing on purpose. I am on my Social Security and loosing the interest on my money. This is gross negligence on the part of BOA. I request you not just resolving the issue but it should be fined so that it will not occur to any citizen XXXX XXXX XXXX XXXX XXXX I am ready to provide any documents including recorded conversations to CFPB. I also informed that it will be reported to Authorities including FTC. The customer service reps also refused to connect me to their Manager when requested. Also, asked if there is any other 3rd party intervening in this ACH transfer to not happen and says " No ''.
Product: Debt collection

A money judgment {$1400.00} was awarded to XXXX XXXX ( who by profession is a professional debt collector for American Express ) in XXXX. Apparently Ms XXXX obtained a debt collector in XXXX by the name of XXXX XXXX, who started a Writ of Garnishment in XXXX, I guess it failed and then debt collector started it again in XXXX Mrs. XXXX and Ms XXXX colluded and committed fraud upon the court in the amount owed. Ms. XXXX had been getting payments from debtor via XXXX XXXX since XXXX and willfully withheld the information from debt collector ( according to the debt collector in an email she sent me on XX/XX/XXXX ) this is also the first time Mrs XXXX contacted me in regards to this debt, there was never a validation notice sent which she also affirms she never sent me ANY correspondence in her emails to me. Mrs. XXXX also added over {$570.00} in fees to the debt of {$1400.00} in XXXX when she filed for the Writ, but the total amount owed was {$930.00} since XXXX, ( as of XX/XX/XXXX {$1400.00} had been paid ) a hearing date has been scheduled for XX/XX/XXXX to cancel this Writ, a formal complaint has been filed with the Attorney General 's office, violation of the FDCPA is criminal in AZ no money damages available, my lawyer will be filing suit for money damages per statute after the hearing XX/XX/XXXX. Between both individuals there is over 30 years of debt collection so this was not a one off or accidental.
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Amsher Collections reported a new collection to my credit report in XX/XX/XXXX for XXXX XXXX. They stated that the collection was opened on XXXX XXXX. This is incorrect and they have re-aged the debt. It was originally reported as opened in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : ( item/account/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2018 Balance : {$0.00}
Product: Mortgage

Simple. GUESSING IS NOT A VERIFIABLE DOCUMENT. The company consistently year after year makes what they call an " GUESSTIMATE '' on possible next year County property taxes without receiving verification from local municipality. The company increased my mortgage payment on a " guess '' and forced payment without receiving local official documents showing actual property taxes. I was charged an additional XXXX dollar 's per month on XX/XX/2021 and XX/XX/2021. After only threatening the mortgage holder M @ T Bank to take it to the AG, I received an update that they somehow found the correct info. BUT never returned the over charging. THIS IS AN OVER-LOOKED INDUSTRY ACCEPTABLE PRACTICE THAT IS COSTLY AND NOTABLE SCHEME WORTHY.. Increasing a mortgage payment on an estimate without receiving official state and municipality records gives the bank a loophole to always get customers to pay money to banks in a short term scheme that is excused EVERY year as " ... sorry we found it ... '' Why hasn't regulators caught this.. My complaint is M @ T Bank uses the `` sorry '' theme and didn't return my money.
Product: Debt collection

My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( FREEDOM MTG ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit reports in XX/XX/2021, I found an account from XXXX XXXXXXXX ( at some point the agency began reporting the same account under XXXX XXXX and XXXX XXXXXXXX ) that I was not familiar with. On XX/XX/2021, I made several failed attempts at contact with the agency in XX/XX/2021. On XX/XX/2021, I sent a debt validation letter certified to the agency along with identification documents to show my address. The agency failed to respond to my validation request within 30 days. On XX/XX/2021, I received a response from the agency with several different account numbers, grammatical errors, and an address that does not belong to me. I responded to the agency detailing all the inaccuracies and requested that they stop reporting this account to the credit bureaus because it does not belong to me. I also reach out to the credit bureaus requesting removal of this account after supplying the documentation I received. I sent several debt verification letters with no resolve.
Product: Credit reporting or other personal consumer reports

Please Supply Me With Information That Was Use to Verify The Items Or Delete The Late Payments. 
I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX. ACCOUNT # XXXX DATE OPEN XX/XX/2021 Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Page 36 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

I sent Experian, XXXX, XXXX, dispute letters requesting that they fix the errors or delete them because of the information XXXX found on all three consumer reports don't say the same thing and according to the FCRA all reports supposed to be 100 % percent accurate. I showed them the errors that all of the reports showed from the date those accounts were opened, Date of last activity, and closed dates these are just a few. They just sent me a report and didn't correct anything and just said that they were verified. I asked them according to the law 15 U.S.C 1681 ( I ) ( 7 ) how did they verify those accounts and according to the law they only have 15 days to respond but me being consider I gave them 25 days and the only thing I got back from one company was that they didn't think that it was me sending them the letters but a credit repair company. I expressed to all three how this was making it hard on me and my family sense I'm the sole provider from getting a job, house, transportation, etc. because according to smart credit I have an F rating to get a job and with companies checking backgrounds and credit it makes it kind of impossible to get a job and this is detrimental to my life and my mental state with all these errors and misinformation on my consumer report I tried to give them the benefit of the doubt and they still won't follow the law i called these companies over and over and to my avail nothing happened. And i know according to FCRA that this is against the law if all of my consumer reports isn't 100 percent accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting two credit cards to my Equifax credit report that are incorrect. Specifically, it is reporting a card that was never received ; in which they have full knowledge of nonreceipt ; to the Equifax credit bureau with a 45 %, and 95 % utilization that is tearing down my scores. Card ending in XXXX, or XXXX-never received by me; reported never received. A new card was issued by the XXXX XXXX  ending in XXXX in place of XXXX XXXX. XXXX XXXX  has failed to report card ending in XXXX with a XXXX balance to Equifax credit bureau. XXXX XXXX  updated card ending in XXXX with a balance and 95 % utilization knowing that the card was switched ; by them to a XXXX ending in XXXX. XXXX XXXX  has purposely failed to report the correct card ending in XXXX to Equifax. 


In short, XXXX XXXX  is purposely reporting old, outdated, and incorrect credit card information to Equifax credit Bureau. Currently, I have one credit card-XXXX from XXXX XXXXending in XXXX with a XXXX balance. Please have them update it immediately. 

Moreover, when I first applied for the XXXX credit card, I was told after 1 year I would receive my {$300.00} security deposit back. I have not received such back, despite paying my balance up in full. In fact, I was told that I would not be receiving it. This is fraudulent misrepresentation. I want this to be resolved asap. I want XXXX XXXX to update Equifax, and return to me my security deposit as initially promised.
Product: Debt collection

Its a spam call with automated voice messages. The company is trying to impersonate Upgrade Inc. That company I have had problems paying my loan due to life circumstances. Since last week I have been receiving repeated phone calls back to back and minute after minute from some company called Inc. upgrade. I have already been in talks with upgrade regarding my loan status and pay options. I do not recognize this company and if Upgrade Inc debt collections calls me I know its them. They also dont call me one minute after the next. I know my personal information was leaked due to a XXXX XXXX XXXX XXXX breech and I do not reply to this number. I blocked and reported them to the FTC yesterday and they call again today. Random phone numbers they use to continue to Harass me is : XXXX with a voicemail directing me to call : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

some one stole my information and now i can not gain access to my credit at all to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., XXXX days ). Let me know if you need anything else, please. Please take out the following objects as soon as you can : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX , AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX  XXXX Balance Owed : {$510.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I find that the following information provided on credit report to be an error. This account was never late or owed any amount ( pursuant to HJR 192 ). You are alleging that I owe without furnishing any proof of this debt with full accounting of ledger or proof of any 1099s that were filed on behalf of my principal.

As you know Pursuant to 15 u s.c 1692a ( 1-7 ), 15 u.s.c 1692e ( 1-12 ), 15 u.s.c 1692g ( a-c ), 15 u.s.c 1666. 15 u.s.c 1681 ( a ). you are violating all laws and regulations. If you are unable to provide full reports of how you validated, verified and how you are in compliance then you must reopen my credit account shown paid as agreed, including {$0.00} balance and rectify for the damages ( 15 U.S.C 1692D ) you've caused.

Furthermore, any alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

If you severally fail to comply with above requests, I reserve all rights, interests and proceeds to seek damages against all parties, under all applicable state, federal and ucc -9 remedies. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/23 I contacted Chase Bank for Visa Card, generated on XX/XX/23, starting with # XXXX from JPMCB being generated falsely with my Social and pedigree information. This was a confirmed act of identity theft through Chase Bank. I have already contacted the major creditors to fraud lock my credit accounts and to begin a formal investigation. I have also launched an ID Theft investigation with XXXX XXXX XXXX in NJ # XXXX today XX/XX/23. Chase locked this card and shut it down immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Mortgage Company is reporting " delinquent '' to credit reporting agencies my promptly-paid mortgage and refuses to respond in any way to my requests for error correction.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX Fair Lending and Equal Opportunity XXXX XXXX XXXX XXXX Washington, DC XXXX Dear CFPB, I am writing to express my deep concern regarding the systemic biases inherent in the XXXX scoring system used by major credit bureaus, including XXXX, Equifax, and XXXX. This XXXX XXXX XXXX XXXX XXXX and unjustly penalizes marginalized groups. 

Despite maintaining a credit score in the XXXX and demonstrating responsible financial behavior, such as timely payments, low credit utilization rates, and no outstanding collections, I recently experienced a sudden and inexplicable drop of XXXX points in my credit score. This arbitrary decrease undermines the integrity of the credit scoring process and unfairly limits economic opportunities for individuals like myself. 

It is unacceptable that private, for-profit companies prioritize financial gain over fair and equitable credit XXXX XXXX The current credit scoring model not only perpetuates XXXX bXXXXases but also punishes individuals for responsible financial management, such as paying off debt or closing accounts. 

This unjust system exacerbates economic inequalities and perpetuates cycles of debt within marginalized communities. Therefore, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into the XXXX XXXX XXXX ( XXXX ) and major credit bureaus to address these systemic issues and ensure fair access to credit for all individuals. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take decisive action to rectify these injustices and uphold principles of fairness and equality in financial services.