23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, I received a move-out statement with a balance of {$450.00} from XXXX XXXX. XXXX XXXX ( Exhibit A ). 

Upon inspection of the statement, I noticed that there were incorrectly charged late fees totaling {$160.00} and a duplicate charge for carport parking. I immediately reached out to XXXX XXXX and XXXX XXXX, who were the leasing office manager and staff at XXXX XXXX, and inquired about these charges ( Exhibit B ). 

For the incorrectly charged late fees, I referred to email communications between myself and XXXX XXXX on XX/XX/year>, in which she informed me that my account looks good, and the balance will remain on my account until they process the move-out accounting on their end. She assured me that there is nothing that I need to do after paying the pro-rated rent and additional fees for the month of XXXX ( Exhibit C ). 

Despite following up on my initial email, I received no response from XXXX and XXXX ( Exhibit B ). When I called the leasing office, I was told that property management for XXXX XXXX transitioned from XXXX XXXX to XXXX and that XXXX and XXXX no longer work for Thrive Communities. Therefore, I forwarded my initial email regarding the dispute to XXXX XXXX, the new leasing office manager at XXXX XXXX, and XXXX XXXX XXXX ( Exhibit B ). 

On XX/XX/year>, I received a response back from XXXX, in which she apologized for the late fees not being removed due to the system being shut down for transition. She stated that she will contact XXXX XXXX and give them this update ( Exhibit D ). For the duplicate carport parking charge, I provided additional clarification that I was charged {$60.00} for the full month of XXXX, given credit for remaining XXXX days after move-out, and charged again for XXXX additional days ( Exhibit D ). 

During this time, I made sure to keep XXXX XXXX XXXX in the loop ( Exhibit E ). Note that XXXX XXXX XXXX prefers to contact via phone call, so there were additional communications beyond these emails ( Exhibit F ). 

Despite several attempts to receive an updated move-out statement from XXXX XXXX XXXX, I was told that the leasing office must XXXX  provide confirmation that my charges are incorrect prior to removing them ( Exhibit G & H ). XXXX XXXX XXXX and I also made multiple efforts to contact the leasing office. Unfortunately, we were not able to receive confirmation prior to my account balance being transferred to the debt collector per policy. However, XXXX XXXX XXXX assured me that although they can not stop the account balance from being transferred, the dispute process can continue with the debt collector. 

Therefore, I am disputing the late fees ( {$160.00} ) and duplicate carport parking charge ( {$34.00} ), totaling {$190.00}.
Product: Money transfer, virtual currency, or money service

I cash a check in PLS and 10 days later they said the check was false so when i cashed they charge me XXXX dolars i return the whole amount off the check but they took my XXXX dollars. The check was from a scam company i want to know how i can get my XXXX back from PLS
Product: Credit card or prepaid card

American Express advertised {$100.00} airline fee credit on qualifying airlines. It does not list the airlines that qualify. It says to see terms and conditions, but when one clicks there, it doesn't list them either. You have to click several times just to get a point where they say " call us to get the list of qualifying airlines. '' The airlines are not listed clearly and conspicuously and they make it difficult and require you to jump through hoops to find out about the airlines. 

I wanted to use the credit on an airline and they said it didn't qualify. They wouldn't send me a list that I could have accessed before I signed up for the card. I told them it wasn't clearly and conspicuously listed, but they said I could have called. They should list the airlines clearly and conspicuously on the site and not require so much friction to find out.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell.

I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, QUALITY ACCEPTANCE LLC Keep hoping on my credit report I dont know whats this I want proof of this company saying me ID social security number etc..
Product: Debt collection

I am writing to formally dispute a charge-off account with GS Bank USA via Apple that is currently being pursued by a third-party debt collector. The account was reported as a charge-off ; however, I have not received the required 1099-C Cancellation of Debt form, which is a legal obligation when a creditor forgives or cancels a debt of {$600.00} or more. By failing to issue this form, GS Bank USA via Apple is not in compliance with IRS regulations, as this unreported debt is being treated as income to me. As a result, this creates a significant tax implication and is not only an error in reporting but also an issue that could potentially affect my tax filings. The are pursuing the amount {$1700.00}
Product: Prepaid card

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXXaccount and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Product: Credit card

On XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) that my security card has been converted to a credit card, that my limit has been increased to {$2000.00} and that I will be refunded my deposit of {$1000.00} within 14 business days. To be returned by check. However, today on XX/XX/XXXX I spent more than an hour of my time trying to get through to BofA 's customer service. They took a long time to sort it out and told me to wait until XX/XX/XXXX. Then they said that this transfer is closed and I need to call again to some department. I do not understand why I have to waste my time and nerves to take my own money from the bank, which they are obliged to give me, and they said so themselves and did not meet the deadline!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report, specifically concerning my Bank of America credit account. Upon reviewing my credit reports, I have identified several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I am committed to resolving this matter amicably, but if necessary, I am prepared to escalate this issue to the attorney general of my state for further investigation. 
The inaccuracies are as follows : * Bank of America, as reported to XXXX, indicates an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, and a 30-day late payment. This is misleading and inaccurate. 
* Bank of America, as reported to XXXX, shows last payment on XX/XX/XXXX, a XXXX late. The account closed on XX/XX/XXXX. This information is incorrect and unfairly represents my payment history. 
* Bank of America, as reported to XXXX, suggests an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, accompanied by a XXXX late payment. This is inconsistent with my actual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today : I went to the ftc site to get information on putting a security freeze on my credit reports. 
Equifax 's online site told me my credit report was probably compromised so I tried to put a freeze on my Equifax report. My effort failed as their phone system put me on hold for an unreasonable amount of time. I went to the other credit bureaus ( XXXX and XXXX ) listed on the ftc site. One told me I had to submit a request in writing ; the other told me about fees as well as a complicated route to initiate a freeze. Please tell all three bureaus to streamline and simplify the credit report security freeze process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I sent letters to Transunion Credit Bureau from XX/XX/XXXX, and I have not received any response up to this date. On the other hand, the inaccuracies about my account is continuously reported on my Transunion Credit Report. That means Transunion failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX OF XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX
Product: Checking or savings account

We dont have a XXXX XXXX loan number Just a application number from BOA. XXXX. 
We applied for the XXXX in XXXX through Bank of America. We provided all the necessary documents multiple times, ( Before covid we were in the process of a XXXX loan ) We received a confusing letter from BOA on XX/XX/XXXX that they did not have all necessary the documents ... We then were directed to go through BOA intranet service and could see see all the documents. This did not work from the get go. After weeks of back and forth we finally were able to get the application ( see above number ) On XXXX  XXXX we received another letter from BOA stating that the loan application was denied because there is already a XXXX loan affiliated with our XXXX. ( XXXX ). We do not have a XXXX loan we never signed or were given a promissory note nor have any funds related to XXXX been disbursed or deposited into our Bank account. Since then we have been trying to resolve this with our local BOA rep XXXX XXXX out of XXXX XXXX Florida he sent us over to XXXX XXXX which never once returned a call or responded to our emails. BOA reps continue to avoid responding and have supposedly escalated the matter 3 times and is now in California. Most recently I have spoken to a BOA rep named XXXX XXXX from California ID XXXX ( XXXX XXXX ). On XX/XX/XXXX he reached out per phone call. He could not tell us anything other than it is escalated now for the 4th time and that someone would be reaching out typically within 72 hours and no later than a week, It has been over 2 weeks now and we have nothing. 
It seems our XXXX was used by someone else and the funds are locked or something else. Since we can easily verify that we have not received funds we these funds deposited into, our business account immediately. After funds are received moving forward I am happy to do whatever it takes to help resolve this fraudulent case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX XXXX and there is no third party involved. I have sent out a letter to XXXX XXXX XXXX mailed certified dating XX/XX/XXXX. XXXX XXXX XXXX is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave XXXX XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from XXXX XXXX XXXX. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. XXXX. XXXX XXXX XXXX : XX/XX/XXXX AND XX/XX/XXXX. These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I will hold XXXX XXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXX XXXX
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. 

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 XXXXXXXX, 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 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.
Product: Money transfer, virtual currency, or money service

On different occasions they said my checks didn't clear when I have paperwork from the bank saying otherwise
Product: Vehicle loan or lease

In XX/XX/XXXX, I turned in my leased vehicle per the lease agreement which expired onXX/XX/XXXX. In XX/XX/XXXX I was sent a letter requesting payment of {$290.00}, which was the balance of a disposition fee owed by me, ( see attached ) per the lease agreement. I paid the fee resulting in a XXXX balance on my lease agreement. ( see attached check ). Further investigation on my part with regard to the Motor Vehicle Lease Agreement revealed I was owed the {$570.00} for a refundable security deposit ( see attached lease agreement ).

In XX/XX/XXXX, I called Chase 's End of Term Lease Department about getting the refund. I sent a letter ( see attached ) in XX/XX/XXXX about the refund. On XX/XX/XXXXand XX/XX/XXXX, I called Chase 's End of Term Lease Department about the refund. To date, I have not received reimbursement for the {$570.00} I paid at the time of entering into the lease agreement with Chase.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
XXXX XXXX XX/XX/2019 2019
Product: Debt collection

I have received repeated calls from this number for more than two years. The latest was today, XX/XX/2023. No message is ever left. I have even blocked this number, but the calls continue. After investigating this number, I discovered that they are a law firm named Linebarger, Goggan , Blair & Sampson. This particular phone number is out of XXXX and concerns collecting of unpaid parking tickets in the city of XXXX. I find this VERY strange as I live in XXXXXXXX XXXX and have never once parked my vehicle in the city of XXXX. I do not know how they have obtained my telephone number, but I believe this to be a complete scam and want these calls to immediately stop.,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This complaint involves the three credit bureaus I sent 2 letters to all three credit bureaus about identity theft and foreign information on my account. I spoke to them on the phone, as well as, sent disputes along with police reports and correct information. The wrong information remains on my credit report and it I causing a negative effect in my life. 
Experian : There is foreign wrong address and an identity theft creditor on my account. I have an affidavit for this account. Also there are inquiries from my credit report that were not mad by me, they were from identity theft. 

XXXX : There is another wrong address which is foreign to me, along with the same creditor of XXXX XXXX which is identity theft. 
XXXX : The same creditor XXXX XXXX ( identity theft ; fraud ), and XXXX is on my report ; along with inquiries from XXXX, that were not made by me. 
The only response that I received was extending a credit freeze and they updated a personal statement on one of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXCredit Acceptance stopped reporting my 100 % on time payments to some of the credit bureaus. 
Within a week I stopped receiving loan offers. Though at that same time frame XXXX XXXX has been sending me notices to come in and upgrade my car, knowing I can't even get a loan on tires now because of their actions. Called them. They don't care and will not call me back on this issue. 
XXXX  is the only only one being reported to. My scores dropped 95 points because of this.
Product: Vehicle loan or lease

I paid off the lease in XXXX2020 and the remaining residual. Provided all the necessary documentation needed to obtain my title. As of today I still do not have title to my vehicle. Please provide to me the guidance and assistance needed. 

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

Exposing records that are XXXX  years and older, and exposing incomplete court records.
Product: Bank account or service

I had TD Bank checking account for long time and this account is charge off on j XXXX XXXX when I call and find out why is charge off. I find out TD bank line of credit was doing ach on XXXX which I did not tell to do ACH. line of credit was saying if I have any time retan the payment we cancel the ACH which is my payment was XXXX on XXXX XXXX after that stop doing ach on my account and a auto ACH start aging from my account on XXXX which bank do n't have any paper work. 
I do n't use this account from last year so I do n't check. without my knowledge how do I know bank doing ACH. now is charge off account and I do n't mind to pay the original amount but I can not pay any fee bank charge after wrong ach done. please call me for more detail. now recovery department was saying branch manage can refund all fee. when I call the branch manage she was saying she can not do it because of charged off account. I just want to get refund the all fee from bank charged to this account after XXXX XXXX and I will pay my balance to bank not any fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

If disputed this 2 times each time Experian puts it back on my credit report
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX  bal. {$30.00} XXXX, XXXX bal. {$1200.00} XXXX XXXXXXXX XXXX bal. {$0.00} XXXX bal. {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, Can you please make them remove these account under consumer code 15 USC 1681eb ... According to the IRS canceled debt ( CHARGE OFF ) is gross or ordinary income. Income doesn't get reported on your consumer report. So since income dose not get reported on your consumer report. A Charge Off is a inaccurate account and it have to be removed. Here are the accounts I am asking to be deleted ... 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had my account hacked and I told them it wasnt me and they refused to fix it. Gave me some bogus number to call and they didnt even help I got an email back saying because my password was used it was an authorized user this happened around hurricane XXXX XXXXXX/XX/year>