23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I used to have an account with XXXX for internet service ( discontinued service over a year ago ). When I disconnected the account, I paid the remaining balance and returned their satellite and router equipment in their own provided box with their provided prepaid shipping label. I mailed the equipment back well within the allotted timeframe from my local XXXX store and was not provided tracking information due to the label being prepaid. I never thought I'd need it anyway, since I've never had an issue sending any other package. 

XXXX made no attempt to contact me regarding the " missing '' equipment until I received a charge to my bank account in the amount of {$160.00} approximately XXXX months later. When I reached out to resolve the issue, no one could get answers as to where my equipment was. This was likely due to the fact that they waited approximately XXXX months to illegitimately charge my account. That also conveniently happens to be the time XXXX is no longer able to retrieve tracking information. I was told a claim was submitted to a supervisor and when I reached out to them again days later, I was told that they couldnt find my equipment and I was responsible for the fraudulent charge. At this point, I had to file a dispute with my bank, who reversed the charge upon completion of their investigation. 

XXXX made no attempt to contact me prior to initially charging my account, no attempt to contact me after the charge was dismissed from my account, and no attempt to contact me before they decided to send the fraudulent " debt '' to a collections agency ANOTHER XXXX months after my bank settled the dispute, so we're now over XXXX year since I discontinued service. 

I can not believe I am being held responsible for a companys poor tracking and receiving practices. Dealing with a collections agency and having to jump through hoops to prove I am not responsible for their failure to find a package is infuriating. I paid everything owed in full and their claim that I did not return their equipment is absolutely nothing short of fraud.
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. 

1. XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

2. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

3. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

4. XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

5. XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

6. XXXX XXXX XXXXXXXX, has violated my rights. 

7. XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

8. XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

A. 15 U.S.C.1681 Section 602 A states I have the right to privacy. 

B. 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. I did not and do not give my written instructions for these accounts to be published. 

C. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information such as adverse items of information, other than records of conventions of crimes which antedates the report by more than seven years. 

D. 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/1990 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, TransUnion provided an inaccurate credit score by decreasing my credit score by XXXX points after my credit card balance went to XXXX. This has caused a major financial burden. I believe TransUnion is retaliating against me and causing further financial harm as I can not provide credit worthiness in purchasing a home. See attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX**** Date Opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX**** Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : United States Small Business Administration Federal Government, XX/XX/2020. The credit inquiry is fraudulent and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA says you have a duty to investigate. The 11th Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD!

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: Checking or savings account

On XX/XX/XXXX XXXX XXXX drafted my business bank account for {$6500.00}. The description read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

This was unauthorized. I do not have an XXXX account nor do I know XXXX XXXX. I reached out to my bank immediately and they opened a claim on their end. Then on XX/XX/XXXX, my bank, Truist sent me a letter saying that based upon their investigation the bank transfer was initiated by me for which I received benefit ( which is absolutely not true! ). The notice said I have the right to request a copy of any documents they used to make their determination however when I asked Truist for the info they said they could not provide it to me and encouraged me to go to the police and file a claim so they could subpoena the information. 

I reached out to XXXX upon two different occasions and the last time on XX/XX/XXXX I spoke with XXXX at XXXX who basically said he couldn't help because I couldn't provide an account number. Basically all I've gotten is one big run around. 

Meanwhile, on XXXX I called XXXX XXXX FL to open a case. Case # XXXX I had not heard from anyone since my first call so on XX/XX/XXXX I called and was transferred to the desk of XXXX XXXX XXXX. I left a message and on XX/XX/XXXX he called me back. I provided him with all of the information above and he said he would get to work on it. 

As of XX/XX/XXXX, XXXX XXXX indicated he was still waiting for XXXX to answer the subpoena. Another month has gone by and I still have heard nothing. 

I'm so frustrated and find it so hard to believe that my own bank isn't assisting me. They didn't even put the money back in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter disputing this hard inquiry from XXXX XXXX. On XX/XX/18 this hit my credit reports and I immediately contacted the bureaus but its been over 90 days and I haven't heard anything about the investigation that I requested which is a violation of the FCRA, which States that the bureaus have to report accurate information and respond to the consumer in a timely manner. This inquiry has cause me great hardship, stress and Has caused my credit score to decrease drastically!! I've been denied credit and loans due to this inquiry.
Product: Checking or savings account

I had about 18 unauthorized transactions on my account. Bank of America didnt respond but closed and denied the claim
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. XXXX XXXX XXXX acct XXXX XXXX  and XXXX acct # XXXX. XXXX XXXX XXXX XX/XX/2023. Remove these accounts and inquiry.
Product: Debt collection

I continuously keep getting a call at my place of employment from a XXXX XXXX, I have asked him several times not to contact me at work and he continues to do so even going as far as calling my supervisor and leaving a message with him.
Product: Credit card or prepaid card

I have been making purchases from home depot using the home depot credit card for many years and continue to be charged for items ordered but not yet picked up or delivered. The retailer will charge my credit card and begin assessing finance charges even if I don't have the item. I most recently XXXX XXXX, 2020, made a {$3000.00} purchase at the XXXX  XXXX at the XXXX va home depot but I wasn't able to pick up or otherwise take the items charged with me. My contractor later visited the store and it was decided not to pickup but instead to cancel the order. As of XX/XX/2020 I was billed as if I took possession of the products. This has happened many times and credit services will not credit the purchase. Home depot requires that I go back to the store so they can release the products from inventory thus making it obvious that the products never left their warehouse
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 4 months and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 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 INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2015, XXXX to XX/XX/2015, XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter again asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

On XX/XX/XXXX, I applied for the Chase Freedom Unlimited credit card after extensive research into the best starter credit cards and their benefits. I was immediately intrigued by Chases offer, which is still running today. This offer states that if {$500.00} is spent on the card and paid off within 90 days of opening it, the customer will receive XXXX points, which is redeemable as a {$200.00} credit. My decision to apply for this card was swayed by this seemingly awesome offer. However, today is XX/XX/year>, and I have spent {$500.00} and paid it off without receiving my credit. I called Chase after noticing that my XXXX points had not loaded onto the app. The lady told me that, unbeknownst to me, I did not receive the offer that was advertised to me and was given a different offer instead. She did not have a reason for why I was not given the offer advertised and said that the marketing team decides what applicants receive which offer. I am confused and feel like I have been tricked. 

( The offer I was given instead gives me an extra 1.5 percent back on all of my purchases, but I would have to spend over XXXX within the next twelve months to get a total of {$200.00} in redeemable points. I am unlikely to be able to spend so much money on my card within a year since I live at home and do not have many expenses. I feel that Chase has taken advantage of me as under this offer, I will be unable to have the {$200.00} credit I had originally hoped for, defeating the entire purpose of why I applied for this specific credit card. )
Product: Mortgage

The loan I secured in XXXX for my home was with XXXX. It was a 10-year interest only loan converting to an ARM based on the LIBOR. I just received notice from Ditech ( the fourth lender since XXXX ) of the amount of my new payment beginning XXXX XXXX, XXXX. I do n't have a problem with the interest rate going up because I understood that from the beginning. What I am now discovering, however, is that the amount applied toward principal is less than the previous year which leads me to wonder if the method they use for amortizing the loan will ever bring the balance to zero. 
In conversations with various lenders about refinancing with XXXX, I 've been told that I would have to go through my current lender because I continue to need a no doc/stated income loan as I am self-employed with XXXX credit scores. I have been told by Ditech that there are XXXX problems with refinancing with XXXX. The first is they are showing ( incorrectly ) that my home is a multi-family home even though I have confirmation and verification from my county tax office that it is a single family residence. 
Secondly, Ditech is stating that since I have an Alt-A loan, they can not put me in a new loan that will raise my payment. In other words, I could not convert to a XXXX or 20 year fixed interest rate loan even though that would be in my best interest because my payment would go up. This notion is somewhere between hypocrisy and irony in that my payment continues to go up each year with my current ARM and could go as high as 10 %! 
My concern is that there may have been unscrupulous business practices on the part of XXXX and unwittingly continued with Ditech. 

As mentioned, the original loan was a no doc loan since I 'm a self-employed XXXX with excellent credit scores. That has not changed, however, I am now XXXX. I 'm hopeful there is a no doc XXXX or some instrument that would not be starting all over again with a 30 year mortgage - or possibly modifying my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contract callers continues to furnish negative tradeline on credit file. Sent company verification and validation of signature. Company failed to comply and continues illegally furnish according to FCRA Guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with the credit bureaus as well as Portfolio Recovery Associates, XXXX XXXXXXXX and XXXX XXXX ( XXXX XXXX ) to validate and account that they claim belongs to me, they sent me a letter on company letter head stating that I owe the debt to the name XXXX XXXX. They have no other identifying factors to validate the debt. They are in violation of the federal and the state Fair Debt Collection Practices Acts by not providing how these debts were validated and no contract with a signature, not even an electronic signature. 

XXXX Account Number : XXXX PORTFOLIO RECOVERY A Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have honda Finance loan. I forgot to pay my monthly payment on XXXX XXXX XXXX.I got call from Honda Finance on date XX/XX/XXXX about my monthly bill. I told them ok i will confirm in my bank bill pay schedule and if not i will pay today. I paid same day from my bill pay {$1500.00} for two months [ XXXX and XX/XX/XXXX ] but My Bank XXXX hold that money because they thought that this is not my regular payment so they hold it without my permission. I got call again from honda finance on XX/XX/XXXX about my bill pay I told them that i paid already on XX/XX/XXXX so you receive check on XXXX XXXX i called my bank on XX/XX/XXXX, that did they sent payment to Honda finance and that time they told me that they hold it and send check to them instead of send them electronically. because of all holiday XXXX XXXX and XXXX XXXX honda finance received check on XX/XX/XXXX. I again called XXXX XXXX  on XX/XX/XXXX to confirm about my payment and they suggest that still Honda finance didnt deposite check in yr account so they suggest me to cancel check amount of {$1500.00} and pay again two separate payment of {$750.00} and {$750.00} on XXXX. Honda finance received two deposite money on XXXX XXXX XXXX.I attach here my Bank Paybill Schedule and Honda Finance Payment History for yr kind information. You can see that they deposite my {$1500.00} Check on XXXX XX/XX/XXXX and refund on same day because i cancel that Check from my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX several times by certified mail to address this inquiry showing on my credit report. it has now been over 30 days and i still havent received the proper validation for this matter.