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

Bank of America has aggressively started to assess " Monthly Maintenance fees on my account over the past 6 months. Every month they charge {$12.00} to my checking account and {$16.00} to my business account. They chip away and steal my hard earned money slowly this way month after month. Their polices change behind the scenes and their terms and conditions are hidden beneath layers of contractual language. I have been a customer with them over 10 years but over the last 18 months the fee collection has been very aggressive. This is not fair way of doing business. I would like Bank Of America to refund all the Monthly Maintenance fees they charged over since XX/XX/2018.
Product: Debt collection

On XX/XX/XXXX I looked at my credit report, and I noticed some inaccuracies. I sent a letter to XXXXXXXX XXXX XXXXXX/XX/XXXX asking them to investigate these accounts XXXX XXXX XXXX and information I sent i certified mail, XX/XX/XXXX they sent me their investigation and said those accounts are verified and accurate. And according to 15 USC 1681i ( 5 ) | see it states after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or Incomplete or can not de verified. The credit bureaus did not re-investigate and violated my right.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had an account with XXXX XXXX  that ended in XXXX. It went to collections in XXXX and I received a notification from IC Systems about the debt. I believed the debt to be incorrect and therefore refused to pay it. In looking at my credit report, IC Systems is stating the debt went to collections in XXXX. This is incorrect and should have fallen off my credit report by now. IC Systems is refusing to correct the information and thus is harming my credit which is otherwise spotless. I would like this information updated and corrected.
Product: Payday loan, title loan, or personal loan

I was unaware that the terms of the loan were like this. The amount i pay biweekly is barely getting applied to the loan principal. The interest rate is a triple digit number. And after speaking with a representative the dollar amount gets higher after each payment and just digs you deeper into debt. I had no idea i would pay so much and if i did would not have signed the online forms. You pay 4 times as much as you borrow and interest rises everyday at an extremely high rate.
Product: Credit reporting or other personal consumer reports

I am writing to the CFPB to request the XXXX XXXX account be removed from my credit reports due to inaccurate information. 

On XX/XX/XXXX, I reviewed my credit reports and noticed XXXX XXXX was reporting two different last activity/account closure dates. 

TransUnion reporting the account closed XX/XX/XXXX and XXXX reporting the account closed XXXX XXXX, a 30-week difference. 

I disputed the accounts to XXXX on XX/XX/XXXX and TransUnion on XX/XX/XXXX. 
The results returning for XXXX on XX/XX/XXXX and TransUnion on XX/XX/XXXX. 

Despite both bureaus conducting investigations, the disputed information remains the same while other account information was changed. Which begs the question, is this information true and correct? 

According to 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) 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.

According to 15 U.S.C. 1681s-2 ] ( a ) ( XXXX ) ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I am in the process of purchasing a home for my family and having this incorrect information on my credit reports is hurting me. Please remove this inaccurate information from my credit reports as soon as possible.
Product: Debt collection

Trident Asset Management is attempting to collect on a fraudulent debt that I have informed the organization is invalid and not a valid debt of mine or to which I have or had any knowledge. Trident claims they are collecting on this debt on behalf of their client XXXX XXXX XXXX, XXXX for the original creditor XXXX XXXX XXXX XXXX. However, I never received correspondence related to this debt from the original creditor XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX, XXXX. The first I became aware of this fraudulent debt was from Trident Asset Management and their claim I owe this debt. As I informed Trident Asset Management, I attest that I do not owe this debt. I provided substantial evidence to XXXX ( the only credit reporting agency who refuse to remove the fraudulent debt from my credit profile ) as evidence this organization is attempting to collect upon an illegitimate and fraudulent debt that is purportedly from XXXX XXXX XXXX. I also opened numerous disputes with XXXX regarding this debt and they continue to inform me it has been verified as mine, which is perplexing to say the least. The debt is invalid and absolutely not mine due to the reasons noted below. 
- The fact that the address XXXX XXXX XXXX is not associated with XXXX XXXX, XXXX but instead XXXX, XXXX, XXXX. Please note, I have never lived in either of those cities or at the aforementioned address. 

- The fact that the routing number noted on the check of XXXX is associated with XXXX XXXX XXXX, XXXX. in XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ), not XXXX. Please note this is supposedly a XXXX check according to Trident Asset Management and the invalid check copy provided to me by the organization, in their collection attempt. 

- The fact that I contacted XXXX and confirmed that I in fact do not hold an account of any sort with their bank. A XXXX representative searched their entire database for both North America and globally using my social security number and separately name, noting no such person existed in their database. 

- The fact that the driver 's license number listed on the front of the check and endorsement section is not mine and likely not a valid state of XXXX driver 's license number. 

- The fact that the handwriting, including signature on the check is not mine nor does it match or have any similarity to mine at all. 

I spoke to all XXXX credit reporting agencies upon being notified of this debt through my credit monitoring subscription. I have also sent numerous letters to Trident Asset Management via U.S. certified mail asking this debt be removed and they have failed to do so. 

I am asking the Federal Trade Commission to please assist me with this matter to clear my name and credit profile from Trident Asset Management heinous claim and attempt to collect on an illegitimate and fraudulent debt. 

Lastly, I have attached the letter provided to XXXX Fraud Department via fax and most recent letter sent to Trident Asset Management via U.S. certified mail, including all supporting documents provided to both organizations to substantiate my argument that I do not owe this fraudulent debt. 

Kind Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX asked for me to stay to clean and then charge me for Rent. I would have just left because they kept my deposit and they charged me for doing what they had asked me to do. Then they charged me for Rent?! 
I finished my lease completely They offered month to month rent agreement ( I might still have the documents for this actually ) then 2 weeks later decided that I had too many complaints and because I lost my job ( which was found to be wrongful termination ) I was not even eligible to apply and I was told that " because you lost your income you no longer fit the requirements to reside here or any of our sister company 's and I wouldn't recommend that you apply because they can see the notes we have on file for you and you will be denied. " ( I am still not completely healed from my job loss, that destroyed me and my confidence and my life and this lady said this too me with no empathy, I left the office in tears ) they are the largest apartment company in my town. I was homeless with my XXXX kids, for a year after and I have applied to several places and keep getting denied. Or landlords show interest and then they get my credit report and I never here from them again. Im still looking for places but I'm stuck paying more than I can afford because I don't have any other options and I can't even try to repair my credit. I can't afford anything. This has really hurt me and my life has been destroyed. They have a collection on my credit too through simplified recovery, I've disputed this twice. Please help me with this issue, please. 
Thank you for taking the time to read this and please let me know what I can do to help.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX 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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

I have had a credit relationship with Citi Bank for over two decades. I have tried to reach out to Citi multiple times to file a complaint without any response via their chat or phone line and there is no method to file a formal complaint with them online. 

I recently went through a divorce, in XX/XX/2022 a payment was accidentally scheduled out of an account that was closed as part of my divorce settlement therefore it was returned to Citi. I immediately remedied the situation by re-submitting the payment with the correct account information and I paid the returned payment fee as expected, despite this was an honest mistake. 

What I recently discovered is that after having a credit card relationship with them for over two decades with good payment history, not only did they charge me the returned check fee, they more then doubled my interest rate. This seems to me to be a very abusive practice, not only did they charge me a fee for the returned check which was reasonable but to double my interest rate, when I immediately remedied the situation is very concerning to me, not only is Citi causing significant financial harm, the notification for the increase in interest rate was hidden amongst my statement disclosures. This is deceptive, my statement contains standard information that I reference when necessary, however everything is done online. There was no separate notification, there was no clear communication, it was just tucked away where I didn't see the change for nearly 7 months. So not only is Citi abusing their power by penalizing customers in multiple formats for the same issue causing significant financial harm, they are deceiving customers by only providing a formal notification hidden in an online statement. 

If I would have been properly notified on the increase in rate I would have never used that card for the purchases made between XXXX and present, as I have other options available. 

I believe Citi Bank is becoming unjustly enriched by penalizing customer not only utilizing a fee, but by more then doubling customers interest rates as the result of a single returned payment in which customers are already penalized for via a fee. 

This practice appears to be a violation of UDAAP, particularly when you take in the similarities to the highly scrutinized overdraft practices on deposit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the late payments showing on my account for IC System which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Student loan

Started an application with Pen Fed Credit Union for XXXX XXXX XXXX around XX/XX/2021. Started the application through XXXX and they pushed me to Pen Fed as my best Refinance choice. Both of these places had application processes that asked where your income comes from. On both application processes I told them about both of my jobs including a XXXX job and a XXXX XXXX job and listed my incomes for each. Never were requirements for the application to be approved given. My income etc. automatically qualified me. Pen Fed then returned with requirements that my self employed income be verifiable for XXXX years through tax returns. Where are these requirements listed and given during the application process? I provided bank statements, account transfers, ledgers for my business and my personal income and a letter from my employer. None of this was good enough. Pen Fed ran my credit when it was unnecessary. There is no reason these requirements should not automatically be provided when I input self employment income into the application.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Employer : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I refinanced my house in XX/XX/XXXX. Kentucky Housing Corp. reported that I was late the payment for that month. The loan was paid off in XXXX. I called KY Housing and talked to them about what was on my credit report. I was told to dispute what was on my report and they would fix it. Well XXXX was fixed but they reported me late for XXXX XXXX. The loan is paid off so they shouldn't reporting anything on my credit report because the loan was paid off in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Product: Vehicle loan or lease

Paid off vehicle XX/XX/2021. I was receive vehicle title within 15 days. It is approaching 30 days and I still have not received my vehicle title.
Product: Debt collection

To whom it may concern, This complaint is with Credit Protection. I pulled my credit report and seen an account  from there for {$1800.00} from XXXX XXXX XXXX XXXX.  The number listed on my credit report is XXXX but the IVR prompted me to call XXXX. I spoke to XXXX who advised that they rcv 'd account X/XX/2012. She advised that they have been sending letters to addresses they had on file ( which were n't correct ). She advised that she could n't tell me when the letters were sent nor when they originally reported the account to the Credit Bureau 's. I asked if she could send me proof of ownership. I.e. Original documents sent to them by creditor and if they rcv 'd any returned mail. She advised that there was no mail returned and that she can only send an itemized bill. She did advise that she will send information to the creditor to request original documents. I requested to speak to a supervisor. She transferred me to XXXX who originally stated that my account was 1st sent to an agency on X/XX/2012. advised that, that is incorrect as account is listed on my credit report since X/XX/2012. He also advised that there was a letter sent out in X/2012 but they got a return from the post office. He advised that they have this account listed as " bad address ''. I have never rcv 'd a bill or any kind of mailing for this account. I was never given a fair chance to make arrangements to pay this account before this hit my credit, if this is a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

while checking my most recent report i discovered the following items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX have violated my rights. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information with any third party people. 

These are clear violations of my federally protected consumer rights.
Product: Debt collection

My lease was coming to an end at the XXXX. I submitted my 60 days notice 90 days ahead of time to then property manager. He honored the notice and filed it along with my lease information at that time. 30 days before my lease was up I get notice telling that my lease is up in 30days and I had n't submit any notice as to if I 'm renewing my lease or leaving. I then contact the rental office and told advised them that I had already turned in my noticed not to renew. I was then advised that the office staff is new including the manager but they would check everything and I could disregard the letter. They did contact me and informed me that they has my notice the next day. Upon move out day I was told I didnt have any balance and my account was clear and closed. But then 1 month following that I get a phone call telling me that I will need to pay for a prorated month and a whole month for the unit not being under another lease agreement upon me leaving. So there trying to make me pay the monies loss while they waited for another tents to rent the unit. When I refused to pay and cited that I submitted timely and proper documentation to be let out of my lease. That excused me for having to pay any loss monies for the unit being empty. They then stated that I would be sent to collections because of it. And now I have a account in collections with fraudulent charges all because this complex wanted me to pay for a unrented unit.