23daVinci/CFPB_Complaints huggingface dataset:
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 168b permissible purposes of consumer reports. 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. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX : XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : Untitled ACCOUNT NUMBER : XXXX ACCOUNT NAME : Untitled ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

For sometime now I have been getting texts messages from Discover, which is ok. Today, I decided that I was getting just way too many text message and replied in the Text " Stop '' because it says " Reply STOP to opt out '' I did this, yet after this STOP was sent I got  2  more text message.  <P/> This is a bonafide class action lawsuit, which I do not wish to file, but if  discover does not wish to settle this matter for violations under TCPA, RFDCPA, And CA Business And Profe ssion Code Violations I will file.  <P/> I will be filing a lawsuit, but I do in vite Discover Financial to contact me ASAP so that this may be   avoided. In California cases like these go for a premium, attorneys take them at no charge out of pocket, this is a text book example of a class action lawsuit. Discover card will be responsible for my attorney fees, statutory awards and a special award for brining the class.  <P/> I urge discover card to contact me to resolve this before I file this week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my equifax credit report and noticed several fraudulent inquiries on my equifax credit report. To my understanding according to the FCRA, legally these unverified and unauthorized items must be removed. I have already reached out to the the companies in questions and I was instructed by the companies in question to contact equifax directly for the removal of these inquiries directly. 
The fraudulent inquiries are below : XXXX XXXX pulled my credit without my permission on XX/XX/XXXX XX/XX/XXXX Pulled my credit without my permission on XX/XX/XXXX XX/XX/XXXXXXXX pulled my credit without my permission on XX/XX/XXXX I've attached all my ID and identifiable information.
Product: Credit card

I made a purchase of {$33.00} on XXXX/XXXX/2015 at Target Stores.I did not know that I signed up online statement only. Usually. I do mailing statement for all my credit cards. This is a better way for me to follow up the payments. For this Target bill, I simply forgot to pay even though I got an email from the store because I get a lot of emails from all the department stores. I thought all of them are for advertising, therefore I ignored them. 
I know I have to pay some fees and interest, but I do not agree that I have to pay {$95.00} late fees for {$33.00} purchase even though it was XXXX days late. The late fees are almost three times of the purchase. This is definitely not fair to penalize me with a huge fee.
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 Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX and list of Inquiries. 

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 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: Checking or savings account

I initiated a checking account with TD Bank on XX/XX/2023, taking advantage of the promotional offer listed on their website, which stated the following : Open a TD Beyond Checking account. 
Complete {$2500.00} in eligible direct deposits within the first 60 days of account opening. 
Receive a {$300.00} bonus, which would be credited no later than 180 days after the account has been opened. 
I fulfilled the requirement of making {$2500.00} in qualifying direct deposits within the stipulated 60-day period. The bank confirmed that I should expect a {$300.00} bonus by XX/XX/2023. However, as of today, XX/XX/2023, I have yet to receive the promised bonus. It has now been over two months since the deadline, and the bank has continuously delayed resolving the issue, redirecting it among various departments. 

I expect the bank to honor their promotional offer and promptly issue the bonus that I am entitled to.
Product: Credit reporting or other personal consumer reports

This is the 6 complaint on Equifax with CFPB and I have made a compaint with XXXX, Attonery General, FTC identiry theft, I just got another email stating two of the many disoautes are completed inquiries XXXX XXXX, and XXXX XXXX XXXX XXXX that they are accurate which they arent I had to submitted more research forms when I have already sent about 10 different ones to them and they still arent correcting my reports. I have also attached in this complaint the certied copies of the sign valadation letters that were sent to Equifax where i sent them the same documets that I sent the folowing complaies and they signed that they did get them i have attched the orginal FTC Identry theft report that i sent back in XXXX and the complaint i filed back in XXXX to XXXX XXXX and it is XXXX and im stil dealing with this. They havent remved any inquiies not even the ones were XXXX XXXX sent them two digfferent letters saying to remove the two inquiries for XXXX XXXX. This is rediclouis that they will not do their job this is why peoples credit gets destyoed because they will not do anything even when you report them and they are breaking so many laws
Product: Mortgage

I had a mortgage with Truist Bank. They would not accept the final payoff payment at their physical bank locations. We had to wire the funds which cost us an additional {$30.00}. In order to be sure that we could send the wire in time, we asked for a payoff date of XX/XX/XXXX. We sent the wire on XX/XX/XXXX. They acknowledged receipt as of XX/XX/XXXX. However they charged interest till XX/XX/XXXX. Also, to date we have not received the refund of the escrow funds. When we asked the customer service representative, they said that the check was mailed on XXXX. Since then we have received two other documents from them but no check. They say that they will only send a replacement check after XXXX. They will not send a replacement till 30 days have passed. I suspect that they are doing this just to delay refunds.
Product: Debt collection

I received a 1099-C form from JPMorgan Chase in XX/XX/XXXX stating that this debt was cancelled XXXX. This is not accurate. They are attempting to issue a 1099-C for an old debt. This was charged off by Chase bank in early XXXX, during a period of years that I was insolvent. After charging the balance off, Chase then passed the debt on to multiple collection agencies to collect ( including XXXX XXXX. and XXXX XXXX XXXX ) from XXXX through XX/XX/XXXX when I filed ChXXXX Bankruptcy which ended all collection efforts by Chase and any collection agencies from that point on. The debt was cancelled over eight years ago. This is nothing more than Chase sending out 1099-C 's for Zombie debts with the intent to harm consumers. This behavior is no different from that of a debt buyer. 

In addition to the incorrect date that they are attempting to claim that this debt cancellation was supposed to have taken place in, and more importantly, the amount that they have indicated is false. As stated on their own form, by law the amount can only include any unpaid PRINCIPAL BALANCE of a debt that is forgiven. That is purchases and cash advances only. Interest, finance charges, penalties and fees are not income and have no tax consequences and can not be included in the total. They are falsely stating the amount of {$3400.00} which includes a substantial amount of interest, finance charges, penalties and fees. Most of which had incurred over a period of multiple years. 

A quick XXXX search shows that this is not the first time Chase has done this to consumers and I am not the only one to receive very outdated and inaccurate 1099-C docs. 

By sending this inaccurate and false document Chase is not only attempting to force me to claim this as XXXX income, ( which it most definitely is not ) they are directly preventing me from being able to file my taxes. This is quite harmful to me. 

Chase needs to rescind the XXXX 1099-C that they issued. They need to do so quickly so as to allow me to file my taxes on time. 

( To note, Chase did not provide an address with which to contact them in their forms ).
Product: Payday loan, title loan, or personal loan

I NEVER RECIEVED A LOAN FROM " XXXX XXXX '' I HAVE CALLED SEVERAL TIMES AND THEY SAY THEY WILL REMOVE THE ACCOUNT, SINCE IT IS AN ERROR ON THEIR SIDE, AND I STILL SEE IT REPORTING. THIS NEEDS TO BE DELETED FROM A 3 CREDIT BUREAUS IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXXXX
Product: Checking or savings account

Submitted complaint XXXX. Company responded with letter to contact them. Phone number XXXX is non-existent number. Previously company gave me a number of an XXXX  XXXX hotline. Wells Fargo needs to be investigated as they are purposely depositing non-payable checks in violation of banking laws.
Product: Checking or savings account

I purchased a small car vacuum on XXXX. It was paid in full. I then received a letter from TRS Recovery Services telling me my " check '' didn't go through and I owe them XXXX plus a {$25.00} fee two weeks after I already purchased the item. I call this company and told them my item was paid for, I didn't pay with a check because XXXX doesn't accept checks, and I wouldn't have received the item if it wasn't paid for. They told me to file a dispute so I did. Then I got another letter from TRS telling me I still owe these fees. I have since sent back the item, from XXXX, to XXXX. I received my refund. However, I keep getting a letter from this TRS recovery services. This company is violating the Fair Debt Collection Practices Act. 

The date of this transaction was XX/XX/year>, {$21.00}, fee of {$25.00}. Can you please help me?
Product: Bank account or service

1 ) Discover Bank closed my checking account without any notice. 

2 ) Its customer service rejected my request of transferring my money XXXX more than {$2000.00} in balance ), and sent a check to my old address. No chance was given to correct the address error, even if I pointed out the mailing address is out of date. 
Note, my above conversation with Discover Bank was before the final check was issued. 

3 ) The online bank system was not working properly. After my checking account was closed, Discover Bank continued sending online bill pay checks to at least XXXX of my billers, including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank, etc. 
These are absolutely unacceptable mistakes conducted by Discover Bank, which intentionally incurred returned check fees from my billers to me, totaling over {$100.00}. Before these checks were sent out, Discover Bank customer service representative even confirmed with me that no money or check would be sent out since my account had been closed. 

4 ) According to Discover Bank 's term and statement, my checking account had cashback rewards when it was closed. I do not have any proof showing Discover Bank paid me for that.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Midland Credit Management- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX RE : Validation Required XX/XX/year> Re : Account # XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
* Provide breakdown of fees including how you calculated what you claim I owe. XXXX Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt * Cease any credit bureau reporting until debt has been validated by me as required under theFCRASend me proof that you are licensed to collect debt in my state. 
: Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above requested proof. Upon receiving it, I will correspond back w you. 
Sincerely. 
XXXX XXXX
Product: Mortgage

In XXXX, we found out that both of the homes we owned were filed as primary residences in XXXX locations in Michigan ( XXXX & XXXX ). When we purchased our home in northern Michigan, we did not know that our status in XXXX was not changed to a secondary home. When XXXX found this to be true, we were penalized and the taxes due as a secondary home were collected from us ( out of pocket - not as an escrow part of our mortgage ) by XXXX 's assessor. Due to medical issues for our daughter ( XXXX and ongoing issues ), we relocated back to XXXX when a job opportunity arose in early XXXX. Immediately, we told both location ( XXXX & XXXX ) about the change that would occur. XXXX would become secondary and XXXX would become primary. The city assessor also submitted papers to our XXXX Mortgage Loan Provider ( a HUD loan now with UXXXX ). Multiple phone calls and emails and submitting and resubmitting paperwork, and it is now XXXX, and XXXX still REFUSES to adjust the monthly payments to reflect XXXX as a secondary home. We have been calling since our move in XXXX and after. The monthly payment was nearly {$1000.00}, but it was based off XXXX being a secondary residence, which it is not ( with taxes escrowed ). U.S. Bank has been derogatory and difficult to work with. They have told us they have cashed our monthly payments ( all have been paid ), but they refuse to accept the monthly payments for the amount we are sending ( closer to prior amount when XXXX was a primary home ). We have received the run-around and the refusal of XXXX to correct the monthly payment, even with the repeated support of XXXX 's assessor resubmitting the necessary documents, along with us. I am so disappointed in how XXXX is treating us. We have had our loan with them since nearly XXXX? In an attempt to make sure they have no repercussions for this behavior, they repeatedly do not follow through on promises to send a corrected bill, they have turned us over the debt collection ( even though they have received monthly checks and cashed them ), and they sold our mortgage this week. I refuse to let XXXX treat us in this manner without filing a formal complaint and following the appropriate legal steps so that they do not do the same to others. This has been hours of our time and energy, that could be spent with our family or providing for our family - instead we are attempting to get a giant company to stop lying and not following through with an adjusted rate for a hard-working family that has been their customer for years. I highly recommend that no one uses the services of XXXX.
Product: Credit card or prepaid card

2 payments have not been applied to my Barclay account as of XX/XX/23. 
1 : XX/XX/23 of XXXX 2 : XX/XX/23 of XXXX I have both canceled checks. The company decided to lower my available credit in XXXX to near what my balance was from XXXX to XXXX. I was never late and always paid more than the payment. When I called to ask they said that I had too much credit overall in personal loans despite my credit score of XXXX, even though the amount to balance ratios of my credit accounts were well under 22 %. They would not reconsider, so I had the payment amount from the XXXX payment that had not been applied yet deducted from what at that time I was informed of what my total balance due was and opted to pay off the remaining balance that day. I also received another statement showing an additional balance due which was the total of the payment reflected in the XXXX payment. I figured they would reconcile their accounts and issue a refund and didnt want to be bothered with speaking to or dealing with them again. Today I received a call stating that I was past due and the amount due was more than XXXX. Something is going on with this company, I had been a customer with them for 10 years and never had a late payment issue, but I do not want to be a victim of their negligence and end up with having to dispute erroneous credit bureau reporting. 

Dispute # XXXX
Product: Debt collection

XXXX, I was in an accident, in Rhode Island , in a rental car from XXXX XXXX. The claim was submitted immediately to my insurance carrier, XXXX XXXX. On XXXX, XXXX XXXX paid {$8600.00}. XXXX disputed this and it went to arbitration. On XX/XX/year>, XXXX XXXX paid out an additional {$120.00}. On XX/XX/year>, I received a bill from JNR Adjustment Company, that states that I owe them {$6600.00}. No reason stated. It does state that I was not charged interest and I was not charged fees. On XX/XX/year>, I submitted this collection bill to XXXX XXXX. Today, XXXX XXXX informed me that my policy doesnt cover loss of use and Admin fees. The problem? There is no explanation what the fees are especially when the bills no fees were charged. Also, loss of use is expected in an accident. How is this determined? Is the loss of use because of the time it took XXXX XXXX and XXXX XXXX to work out a deal? Why is this debt being passed on the consumer? I have filed an email dispute with JNR. I believe this debt is deceptive, wrong, unfair, and illegal. 

Thank you, XXXX XXXX
Product: Debt collection

The collection agency is trying to collect a debt from a construction company, and the construction company was paid in full for the work they completed. They are trying to charge {$460.00} for work they did not complete. I am not paying for work they did not complete.