23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I made a complaint against this company on or about  XXXX   XXXX ,  2017  with regard to my  XXXX  bill. On that same date they responded through this portal with a response and a name of an individual with whom I was supposed to contact to have this debt resolved. Thereafter, on  XXXX   XXXX ,  2017 , I sent a letter to the FCC,  XXXX   XXXX  as well as Convergent advising them that the name and number of the person that Convergent requested for me to speak with NEVER called me back and that I NEVER spoke with her.   Thereafter, I was in contact with someone from  XXXX  Headquaters via email and telephone to advise her tha t Convergent  has not called me to rectify this debt. When the  XXXX   XXXX  called  Convergent,  they lied stating that they have called me and left me several messages which they had not. I forwarded the  XXXX   XXXX  my call logs as well as voicemails. Thereafter, after approximately  2 w eeks of back and forth with the  XXXX   XXXX  I requested if I could pay my debt directly through  XXXX , which I did on  XXXX   XXXX ,  2017 .   Please also note, that I checked my credit report yesterday a nd Convergent report ed this debt as not being paid or disputed on  XXXX   XXXX ,    2017  when they knew and had knowledge of the fact that I was calling them to rectify this matter.   I would like to information on how to sue this company.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX I looked at my credit report 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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 reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XX/XX/XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ;XX/XX/XXXX XXXX Balance : {$1300.00} ; XX/XX/XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XX/XX/XXXXXXXX Balance : {$9900.00} ; XX/XX/XXXXXXXX Balance : {$1000.00} ; XX/XX/XXXXXX/XX/2022 ; XX/XX/XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few inconsistencies as well as inaccurate information on my credit report. Therefore I sent letter methods of verification, requesting to verify the debt. Shortly after receiving my letter, in response I received notice that the accounts I mentioned had been verified. Which is impossible. Because these accounts are clearly inaccurate. Showing all kinds of inconsistencies.
Product: Credit reporting

I am the author and owner of all communications within this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 13 years 3. There is no Balance History in this account - and there should be as this account was opened for over 13 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed 7. FCRA states that this account must have a balance of XXXX, and this field is blank, please correct this information. 
There are no Terms in this account, and it was Monthly - please correct this information. 

Please validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.
Product: Credit reporting or other personal consumer reports

I requested that Experian validate one late payment that was on my credit report XXXX XXXX XXXX XXXX. They did not send me validation. Instead, they added three different derogatory remarks on my report, which are inaccurate.
Product: Credit card or prepaid card

AMERICAN EXPRESS XXXX  XXXX Prepaid Debit Accounts and cards are issued by American Express XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. American Express XXXX XXXX XXXX XXXX XXXX XXXX is licensed as a money transmitter by the New York XXXX Department XXXX XXXX XXXX. XXXX ID # XXXX THIS COMPANY I SWEAR IS A SHAME. THEY ARE USED BY XXXX XXXX FOR TAX PURPOSES. CURRENTLY IM USING THEM PER PAYROLL IN GENERAL. 

THEY ARE REFUSING ME MY MONEY I AM ENTITLED FROM A REFUND DONE 7 DAYS AGO! 
I'VE HAD OTHER RETURNS DONE IN XXXX TO 4 DAYS. WHY THE XXXX IS THIS TAKING XXXX TO 14 DAYS! ITS XXXX FOR A {$230.00} DOLLAR REFUND ON A PRODUCT TO GAME STOP I RETURNED A XXXX WEEK AGO. 

DON'T USE THIS XXXX OF A COMPANY FOLKS. THEY STEAL MONEY. READ REVIEWS ABOUT THEM, THEY CLOSE ACCOUNTS ALL THE TIME WITHOUT NOTICE, THEY KEEP THE MONEY IN THE ACCOUNTS TOO.
Product: Money transfer, virtual currency, or money service

Im demanding my remedy being that the FCRA says I the consumer can get remedy for the violations done against me. Im asking for remedy for 9 violations against me under 15 USC 1681b ( a ) ( 2 ) which is identity theft and fraud. Please help with this matter because Experian has a conscious effort of not caring about this matter.
Product: Credit card or prepaid card

On XXXX, XXXX XXXX XXXX XXXX XXXX ) billed a Bank of America XXXX BOA ) credit card that was closed in XXXX XXXX. The BOA credit card account was also expired in XXXX XXXX. I called BOA to discuss and they stated they have no control over it as XXXX forced the transaction to go through on the 2nd occurrence after they received a denial the first time. XXXX was billing for an advance time period where service were not yet rendered. I did receive an email notification stating that if i did not update my billing information, my account will be downgraded. Thus the credit card on file will not be charged.
Product: Mortgage

My name is ... and Im writing to you to complain about the response I received from M & T Bank to my request. 
On XX/XX/XXXX I sent by mail and email my request to M & T Bank, along with the documentation ( attached ). 
On XX/XX/XXXX I finally received an answer from the bank, by email, after I requested it by phone ( attached ). I noticed that the response its automatically generated by the software, it is not addressed to myself and does not contain any explanation related to the case I brought to the banks attention. 
In fact, Im the third borrower, along with my ex in-laws ..., .., on a property located on .... 
In XX/XX/XXXX, I got divorced from my ex-husband ... and stipulated in the divorce agreement, that he will be starting the process of removing my name from the mortgage obligations, as well from the title and deed. He was the one who took care of all mortgage obligations, on behalf of his parents. He started the process to fulfill those obligations ; unfortunately he passed away on XX/XX/XXXX. The mortgage payments were made by my ex-husband estate for more 3 months ( XX/XX/XXXX XX/XX/XXXX XXXX On XX/XX/XXXX, I started the legal process through the court to remove my name from the mortgage, title and deed obligations, and substitute myself with the estate of XXXX XXXX. 
On XX/XX/XXXX, ... t granted my motion to name the Estate of ..., .., Administrator ( the Estate ), as the substituted party in place of plaintiff, ... ( attached ). 
In the light of all these, I consider the bank did not evaluate my case with proper attention. 
Im a client of the bank and definitely I was not treated accordingly. 
My case is very complex and thats why requires legal instrumentation ; it seems that it was a very easy decision for them to deny my request. More than that, it took over 30 days to decide it. 
I come to you asking for help in determine the bank to approach my case in a professional manner, to take in consideration the court order along with all the documentation I have and to make a fair decision. 
I cant afford to have an attorney, my financial situation is on a surviving mode, my credit score is ruined and reduced my chances to get a better job, to pay for my daughter college, to secure housing in the future. 
I dont live on that property ( the other two borrowers live there ) and Ive never lived.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pulling my credit report and I am seeing this XXXX  XXXX on my credit report with Experian and XXXX when Bankruptcy Court clearly states they DO NOT Share this information to any of the credit reporting agencies.
Product: Checking or savings account

I have been with Regions bank of Arkansas for a few years now and havent had any issues, until recently. The bank keeps charging these monthly fees and takes my money out of my checking account to cover these fees. The monthly fee is {$8.00} and every month they keep taking it out of my checking to cover it. Im no longer working due to my XXXX and am trying to save whatever I have. I can not live by if they keep charging me these fees. The fees will continue to be taken out of my checking until I am in the negative. Whenever my XXXX gets approved I need to have my checking account open for direct deposit. When it comes, that money will go to the coverage fees. I can not have this happen.
Product: Mortgage

I have submitted payment to payoff my mortgage. I understand I submitted incorrectly however its been 2 weeks since i called to fix the issue and it is still not resolved. The money sent was placed in a inactive account instead of being applied to my account.
Product: Bank account or service

Chase bank charges {$12.00} service fees for going under a {$1500.00} minimum ( the lowest they have ). When I got the account from my father 's estate, it had a {$20000.00} minimum. When the account dipped below that, they charged the fee for over a year. I never saw any notification of it. Now I had to use the rest of the money. There 's no way I can reach the minimum or get a deposit of {$500.00}, given that I 'm on XXXX and do n't get the money myself. This whole service fee is questionable and even worse towards low income folk. The lady at the bank said that {$1500.00} was the lowest minimum and that they had to charge this fee for " holding the money. '' I 've got {$30.00} in my account now. There 's not even anything for them to hold, and if there is no money coming or going, there 's not even any service for them to render besides keeping that record, that excuse for them to charge fees. So I 'm going to have to close the account. There 's nothing else I can do. I neither want nor can afford to give them money for free, and quite frankly they do n't need these little scams that they quietly increase over time. Fees for using ATMs, fees for maintaining an account. I see - now it 's not enough for them to consider it valuable, but even before these practices are unethical and anti-consumer.
Product: Mortgage

I have requested my PMI be deleted due to owing less than XXXX and a recent appraisal of XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. XXXX, Transition, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which it states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( XXXX XXXXXXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumers report under the following circumstances and no other : in accordance with written instructions of the consumer whom it relates. '' ( XXXX XXXX ) the financial institutions and the Consumer reporting agencies XXXX, Transunion, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any consent to XXXX, XXXX, Transunion, ( XXXX XXXX ) whether it verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states a Financial Institution may not disclose nonpublic information to nonaffiliated third party unless : the consumer is given an explanation on how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items that reporting without my permission which is illegal and against the law. 15 USC 1681 s-2 ( A ) ( 1 ) A " states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under this section 1681b of this title. '' XXXX, XXXX, Transition are not maintaining reasonable procedures. also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. And I'm opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and does not belong to me. I need to be removed. Also nest as well. Thanks XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Product: Checking or savings account

In reference to my complaints I made against Chase bank dated XX/XX/23, I received call from the bank and a case manager was assigned to my case. The case manager and I confirmed that I dont have any accounts or credit cards with the last four digits or the account number being the reason all my accounts and credit cards is close in my name and it maybe a misunderstanding. 

Yet I still received letter from chase bank dated XX/XX/23 saying my accounts and credit cards will still remain closed. 

Is J.P. Morgan chase closing my accounts base on a fault information. Why will my account be closed base on an account that I dont have or never had.. 

All I want is a fair judgement on my case and my accounts reopen.. 

XXXX XXXX XXXX : XXXX. 

Thank you
Product: Debt collection

My name is XXXX and I am writing to state that LVNV FUNDING/ RESURGENT CAPITAL SERVICES is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including the LVNV FUNDING/ RESURGENT CAPITAL SERVICES. Since LVNV FUNDING/ RESURGENT CAPITAL SERVICES oppressive actions deciding to infringe on my personal privacy, this has harmed my general reputation of credit worthiness by furnishing such alleged debt to the consumer reporting agencies. See proof in the attachment labeled as Exhibit A. This constitutes as a violation pursuant to 15 U.S. Code 1692d ( 1 ) for the use or threat of use of XXXX or other criminal means to harm the physical person, reputation, or property of any person.
Product: Credit reporting, credit repair services, or other personal consumer reports

*Repeated Reporting of late Payments* ( Closed inactive accounts ) XXXX XXXX  account closed XXXX XXXX  account Closed in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

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 or other personal consumer reports

Unacknowledged Dispute Request - Urgent Attention Required I XXXX XXXX am writing to express my frustration with your bureau 's failure to acknowledge my dispute request, which violates the Fair Credit Reporting Act ( FCRA ) guidelines. Please be advised per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have 4 days to respond or remedy the said information listed below. I have also sent out the dispute request electronically as well as certified to all establishments in question.

It has been well beyond the legally mandated timeframe, and I have not received any acknowledgment from your bureau. Moreover, I find it deeply concerning that only some information was acknowledged, while other crucial details were overlooked or ignored. 
This marks my third attempt at reaching a resolution, highlighting the repeated challenges I have encountered in seeking fair treatment. It appears that your bureau may have selectively chosen what information to acknowledge on the dispute request. This raises significant concerns about the impartiality and thoroughness of your investigation process. 

I demand immediate acknowledgment of my dispute and a thorough, unbiased investigation of all disputed information. Please respond promptly to avoid further legal action. 


Please see attachments below. 

Thank you for you swift cooperation in this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report.I was shocked to learn that I have been a victim of identity theft.I found numerous accounts on my credit report that were not open by me.Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Couple of months ago I found out a bankruptcy on my credit reports dating back to XX/XX/2010 which is falls/fraudulent information. I did report about this to the Federal Trade Commission and have sent all the copies to the credit bureaus with a request to block the fraudulent / incorrect reporting on my credit reports, but they didn't bother to do a proper investigation and they continued to report the incorrect/fraudulent information on my reports.
Product: Money transfer, virtual currency, or money service

Venmo permanently suspended my account on XX/XX/year> with no specific reason other than 'concerns regarding your activity '. I simply use the app to exchange money with friends and family. Occasionally notes are included ( often as jokes ), and I fear that Venmo is taking these literally which triggered the suspension. I have never used Venmo for anything illegal. My account needs to be reinstated since there is no proof that I have done anything illegal to warrant this suspension ( and I never will do anything illegal regarding Venmo usage ).
Product: Mortgage

G.E. Retail Bank place in collections # XXXX an amount that was already settled. See attached documents. Sloppy and erroneous credit reporting prevented me from obtainingthe credit score needed to refinance my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNAUTHORIZED INQUIRIES AND ACCOUNTS I WAS NEVER LATE ON I AM ENCLOSING A LETTER OF EXPLANATION
Product: Mortgage

XX/XX/XXXX I am the daughter of XXXX & XXXX XXXX, and authorized by them in Reverse Mortgage Services records to discuss and transact their business on this loan. My father will be XXXX XXXX XXXX soon and suffering with memory loss. 

We have been sending payments and requesting they be applied to the mortgage principal balance on a monthly basis starting on XX/XX/XXXX. This amount from XXXX to XX/XX/XXXX totaled {$11000.00} and NONE of it has been applied to the principal, as shown on the annual Reverse Mortgage statement. We also sent another {$1000.00} in XX/XX/XXXX. It seems the entire amount has been allocated between Mortgage Interest Principal ( MIP ) and interest. Why is there a credit on these two items instead of applying these funds to the principal? How can monies be allocated to interest that is not yet accrued? 

I spoke with two of their representatives today, XXXX and XXXX. XXXX referred me to supervisor XXXX, and XXXX promised to get with another supervisor and call me back today and that did not happen. 

I am sending this letter to the state Attorney General, the Federal Trade Commission, the Consumer Financial Protection Bureau, and the state Banking Regulatory Agency to report this and get further clarification. If this is a legal practice, it should be changed. 

We await your prompt response. Thanks for your attention to this matter.