23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from the company named Patenaude and Felix, A.P.C. stating that I have to pay off an account that for {$260.00} when the account has already been closed. In the achieve I will be enclosing the following documents. One, the letter from Credit Monitoring ( showing proof that the account was closed ) and the letter from the following company I have mentioned earlier. I don't know these lawyers and I would appreciate it greatly if you looked into the matter as soon as possible.
Product: Consumer Loan

Ace cash express I have a balance {$1500.00} in XX/XX/XXXX now XX/XX/XXXX they want to say my balance is {$5600.00}. I try to pay it back but I will never finish with that intres I call over and over and they hung up on me telling me they sell my loan I call the number they give me and they want me to put down $ XXXX {$370.00} and pay $ XXXX+ {$20.00} every week like 30weeks of $ XXXX.= $ XXXX.they say if I do not pay it they going to get me for fraud take my driver license away ...
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7700.00} US DEPT ED XXXX {$5500.00} US DEPT ED XXXX  {$3400.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX  {$4200.00} US DEPT ED XXXX {$4100.00} XXXX XXXX XXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  has violated my rights under 15 USC 1618 section 6 o 2 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have alot of unusual activity on my credit report in which i have been disputing and is falling on XXXX XXXX, this is harming my credit score and harming me from obtaing funding from banks and loaners, i also satisfied a hard inquiry by paying off the agreed amount and it is still affecting my report. This is illegal and unfair. Please help me erase all these frivolous XXXX authorized reports.
Product: Vehicle loan or lease

I have a used auto load with PenFed that was set up with a recurring ACH payment from my checking account. One month, XX/XX/year>, the ACH was rejected and I was charged a {$30.00} ACH rejection fee. I spoke to PenFed, they said that the issue was with XXXX  XXXX XXXX, which is where my checking account is at. I spoke to XXXX  XXXX XXXX and they said that they can see the historical payments but no request was submitted for XX/XX/year>. I called PenFed back and they looked into the issue. They said that nothing was changed in the ACH request and that I should not be charged the {$30.00} ACH rejection fee but the service representative said that she could not reimburse me for the charge in the system and that I was out of luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account on XXXX and I haven't got a response. this account needs to be deleted. it has already been non verified by other companies and deleted. so Experian has to delete this by law. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions. This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.
Product: Credit card

The Discover Credit Card is persistently asserting the validity of a charge dated XX/XX/XXXX, despite my having disputed it twice. Remarkably, Discover had previously acknowledged the dispute, providing me with a credit several months ago. In direct contradiction, their latest communication, dated XX/XX/XXXX, states that the transaction is deemed valid, under reference XXXX XXXX XXXX XXXX, with an amount of {$66.00} and dispute number XXXX. 

Despite my credit card being fully paid off as of XX/XX/XXXX, Discover is inexplicably insistent on upholding the contested charge. The resolution date is cited as XX/XX/XXXX, and Discover asserts that a decision has been made in favor of the transaction 's validity. However, given the prior acknowledgment and credit issuance, the persistence of this charge remains confounding. 

It is imperative that Discover rectify this situation promptly, as my account reflects a XXXX balance, and the disputed charge should not be reinstated. I expect clarity on this matter through official communication, whether via mail or secure message at Discover.com. It is essential that this discrepancy be rectified, and I anticipate your prompt attention to this pressing issue.
Product: Credit card

I I close this account on XX/XX/year>. At that time the agent I spoke to said that they would refund a late fee of {$40.00} by check. When I contacted the customer service line today, I was told that there was no record of the refund. After speaking to five separate agents over approximately XXXX minutes, I was finally given a po box number if I chose to write a letter of complaint. However, the final agent would not tell me whether this was the actual address of their corporate headquarters. In addition, none of the agents would provide me with either the first name or the company ID number of the agent who I spoke to on XX/XX/year>. In fact, one agent said that they had no written record but could see that the account was closed on XX/XX/year>. Another agent that there was a written record of the interaction, but had to refer me to a higher level agent. It is fair to say, the majority of these agents did not have XXXX as their first language. Communication was difficult to say the very least. At no time did any agent offer any option to help solve this problem. In fact, it felt like the longer that they kept me on hold. The general assumption was that I would eventually give up and hang up. However, I lasted the entire XXXX minutes. But, it was a total waste of time.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the inaccurate information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The late payments on this account are not correct. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or a customer service representative. Please have this account updated and repaired : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights and is reporting incorrectly and is requesting the account be removed
Product: Credit reporting or other personal consumer reports

Never received any compensation or information on Equifax lawsuit I was sign up to never received any new information or haven't received a prepaid card like I was told
Product: Credit reporting or other personal consumer reports

My account with XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX 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 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 XXXX  days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Debt collection

I have been harassed by the company for years at this point. I have expressed to the emotional trauma they are putting my through over my deceased husband as well. This information has already been removed off my credit report once. I was listed as the roommate on the agreement that my late husband had. We were not married at the time of this lease agreement. I never provided any paystubs, etc because they told me that I was not financially responsible for this lease. Supposedly a new lease was resigned via a website that I never agreed to. I did not know that a lease had been signed until after my husband passed away and I was trying to exit the property. I never signed or renewed any lease. This was done without my knowledge. I never provided any documentation about my job so how could I resign and they didnt even know if I had a job. This debt has already been removed from my credit report and they continue to harass me. I have already been through enough losing my husband and now theyre trying to get me to pay for a debt that I never agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX, and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Payday loan, title loan, personal loan, or advance loan

I was granted a XXXX dollar loan by Advance financial 24/7 without knowing it would charge my account twice a month at an extremely high payback amount and extremely high interest rate. I am having a terrible time trying to keep up with the loan and the rest of my bills that are necessary. I am now struggling to keep my head above water a pay bills. Is there any resolution?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX Trust Financial LLC ) Opened fraudulently XX/XX/XXXX Check into Cash ( XXXX ) Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX  Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX fraudulently XX/XX/XXXX XXXX XXXX - XXXX Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Experian My First & Last name are as follows : XXXX XXXX or XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, fo names and addresses other that what I have listed above and below be removed immediately as thoseill are not accurate and untrue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are clearly misspelled and are not correct XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Tx XXXX Also these address are not reporting 100 % accurate information on my credit report. I have one name and one address. This is clearly a sign of identity theft which I am currently trying to stop. 
If you allow these bogus names and addresses you are making it easier for these people stealing identities to be able to open stolen accounts in my name. I have disputed these previously and have received no results. So if I don't get results this time I will be going to the XXXX  And other respected services with the violation in the FCRA and will expect further results. 
After you have completed my request, please send me a copy of my credit report reflecting these
Product: Mortgage

after filing this complaint with the cfpb i received a call on XX/XX/XXXX from the presidents office of the union bank, ( the target of the complaint for title 18 issues and senior financial abuse ) threatening reprisals, including an increase in my mortgage payment, a breach of my Agreement with the bank. At present time i do not know if the Bank will accept my mortgage payment of XXXX on Monday, tomorrow. there is a need for consumer protection here .... 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has failed removed the false information they have reported on my credit reports. Pursuant to 18 USC 81 8. I owe no debt. The company is violating my consumer right to privacy pursuant to 15 UFC1681 b. Company has also NO permission to report anything using my information pursuant to 15UFC 1681 4. According to the FRCA 15 USC 1681everthing must be 100 % accurate. They have also updated my credit report with inaccurate information an improper investigation of added account. Have not provided No proof of Alluded collection so should not be reporting the false information they have reported to all three credit burews. Have also failed to remove account from all my credit reports as I requested several times. 
They have also broken numerous laws as listed below : 1. Investigative consumer report 2. Improper investigation of disputed account ( XXXX XXXX XXXX ) 3. PROVIDE PROOF OF VALITATED ALDEGED DEBIT 4. REPORTING INACCURIATE INFARMATION ON COSUMER CREDIT REPORT 5. INPROPER USE OF CREDIT REPORT 6. VOLATION OF THE FAIR CREDIT REPORTING ACT 7. VOLATION OF THE FAIR DEBIT COLLECTION PRACTICES ACT 8. DEFAAMATION OF CHARACTER
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus have stated my account was a proper investigation but how is that possible if the open dates is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal they have also violated my rights under. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX late payments are inaccurate
Product: Debt collection

XXXX XXXX IS TRYING TO COLLECT FROM HSBC, A DEBT OVER 11 YEARS AGO WHICH WAS DISCHARGED. 
THEY SHOULD NOT BE ALLOWED TO HARASS ME AS I AM XXXX, WAS ON MEDICAL, MEDICARE, AND HAVE NO INCOME WHATSOEVER. 
THE STATUTE OF LIMITATIONS APPLIES TO DEBT IN THIS CATEGORY In California the statute of limitations period on debts is 4 years ; Debts that have lingered longer than the statutes allow are often referred to as " time-barred debts. '' I WANT THEM TO BE TOLD TO STOP TRYING TO COLLECT.
Product: Credit card or prepaid card

Once again, from my airline ticket that I purchased with Pay with Points on XX/XX/2019. American Express website states : " If you cancel your booking, Points will be returned in the form of statement credit. '' American Express is not honoring that online statement. They have acknowledged that their program information online does not align yet they are still penalizing me. Why do I have to pay for the flight AND a {$200.00} change fee to get my PWP back as is posted online under the heading : More about American Express Membership Rewards Points.  ( see attached ) If I have to pay for the flight then I should not pay the change fee - this is complete fraud. It clearly states that you can cancel your booking and Points will be returned. Why is this not being honored?
Product: Checking or savings account

On XX/XX/XXXX, I was XXXX  and XXXX  into the XXXX XXXX XXXX XXXX Idaho XXXX  and I was transferred to the XXXX XXXX XXXX  XX/XX/XXXX until XX/XX/XXXX. So I was XXXX  from XX/XX/XXXX to XX/XX/XXXX all in total I had no access to my phone my debit cards any of my personal information and all of my money was spent. I filed a dispute it got denied and they told me the cause was the transactions look like they couldve been made by me from my history of my account Which doesnt make any sense because I provided legal documentation that I was XXXX  so I re-filed the dispute and it got denied again for the exact same reason it doesnt matter if the charges look like they couldve been a pattern of mine I didnt do it. I provided my legal documentation to show you guys. I didnt do that, and Chime keeps denying my dispute, hanging up on me and they will not talk to me. I want my money back immediately. This is theft service, and that is illegal in Washington state. In the space below, Ive attached documentation of Chime policies stating that we are not liable for unauthorized transactions which this was and theyre still not helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I filed a dispute with TransUnion credit bureaus about the inaccurately reported account : XXXX XXXX -- XXXX. This account is reporting an inaccurate payment history and according to the Fair Credit Reporting Act it is supposed to be removed because all inaccuracies reported to the credit bureaus are a violation and must be removed. I have sent proof of these inaccuracies to TransUnion, So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about This inaccurately reported account as of today. Thank you
Product: Money transfer, virtual currency, or money service

Our company makes pet food. Our food is made by co-packers. We received an email with an invoice from our co-packer ( an LLC ) as was expected. We then received a subsequent email on the same email thread from the co-packer updating their banking information. They asked that for any further invoices that I pay this new bank account ; so we sent both of the payments outlined below to this new bank account. 
On XX/XX/XXXX we were contacted by the LLC to say that they were a victim of a phishing scam and not to pay any new bank accounts. We then realized that it was too late, we already had paid this fraudulent bank account. 
We immediately contacted our bank ( XXXX XXXX ) and their fraud department but it was too late to recover the money. XXXX XXXX XXXX   fraud department has been in touch with Bank of America, the bank where the money was transferred. We have filed an FBI report, two police reports and hired a lawyer. 
We have been advised by XXXXXXXX XXXX, that the Bank of America account where we transferred money was a fraudulent account. The name of the account was an individual, who we are told is a senior citizen that collects social security payments. The two ACH payments we made to this fraudulent account were made payable to the LLC ( our co-packer ) and ACH payment ( XX/XX/XXXX payment was in the amount of {$28000.00} and XX/XX/XXXX was in the amount of {$35000.00} ). We believe these deposits to be significantly larger then the typical payments the account owner normally receives. We have also been advised that the account owner immediately transferred both payments to another fraudulent account in Texas and that the account owner kept several thousand dollars from each of those deposits. When the account was examined, it was found to contain virtually no funds. The conclusion was that this individual is a money mule. 
We have been advised that generally a deposit will be titled to the same name as that on the account and based on a threshold dollar amount the deposits should get closer scrutiny. This did not appear to happen even though we believe that those two ACH payments are significantly larger than the normal deposits into that account. 
Our concern is that the ACH payments we made went into a fraudulent account and unusually large deposits were not titled to match the name on the account where they were deposit by Bank of America ( i.e., we paid an LLC not an individual ) We want our money returned to us as it was clearly put into a fraudulent account.