23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter Warfield is reporting an inaccurate collection account which they have no proof of. They claim they are collecting on behalf of XXXX XXXX for carpet replacement due to damages they said I made to the carpet when I lived there but they have no proof. Last year, I contacted Hunter Warfield to  dispute the debt and to inform them I had no knowledge of such damages and asked them for before and after pictures of the carpet showing the condition when I moved in and pictures of the carpet when I moved out, as well as a copy of the receipt showing the amount XXXX XXXX paid to supposedly replace the carpet which they are charging me for. I also informed them that the carpet was old and had stains when I moved in and that I had included that on my move-in inspection list which I turned in to XXXX XXXX. After 30 days of my dispute to Hunter Warfield, they sent me a letter notifying me they were not able to obtain the proof so they agreed to remove from my credit. Which they did. This year, Hunter Warfield sent me a letter they obtained from XXXX XXXX saying I owed for carpet repairs as their proof. That is not proof. Pictures and receipts are proof. Anyone can just type up a statement saying I owe them money but that does not mean it is true. XXXX is just trying to get me to pay for new carpet because it was already old and needed replacing. Also the move in check list I gave XXXX XXXX when I moved in is my proof that the carpet was already stained.
Product: Credit reporting or other personal consumer reports

Delete the accounts below : 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: Credit card or prepaid card

XX/XX/2003, opened a capital one venture credit card in error based on erroneous information on the company website, On the capital one website, they list of XXXX mile bonus for their venture one card at the beginning of the website. Also, for the exact same credit card, on a different page of the same website, in small print, list a XXXX mile bonus for the exact card. I didnt think it mattered what page it was on as long as the same website and was stuck with a XXXX mile bonus. On XXXX and XXXX talked to numerous representatives at capital one who, after talking to all of them, they agreed with me that this was either an error or some new marketing approach, and they could see why I was confused. After talking to three or four people who agreed with me, they discussed with someone higher up but I was not given the chance to talk to him. Hours of time wasted. The next morning got another call from another representative who told me my request to get the higher bonus was denied. Closed my account at that time as did not to ever associate with such an unethical company. I was told that they had millions of customers, so it didnt really matter what I thought even though I was correct I dont think Capital One should be able to market their products in a way that confuses people.
Product: Credit card

Discover Card on XXXX XXXX called regarding a missed payment. I spoke with the representative ( name unidentified ) and informed her that a payment will be made on XXXX XXXX. Do not withdraw any moneys from my account. Not only did the representative automatically deducted moneys from my account for the payment causing other bills to " bounce '', she also went in and authorized automatic monthly withdrawal commencing XXXX. At no time did I approve or authorized such actions. It was not until I went to see if specific check " cleared, '' did I become aware of the action of Discover CSR. I called on XXXX XXXX to file a complaint regarding the action of that particular CSR of XXXX XXXX. The CSR of XXXX XXXX was named XXXX. XXXX transferred me to XXXX that wanted to refund my payment. I agreed for it to remain due to the fact that my checking account was already overdrawn due to the Discover withdrawal and the account to be paid payment " bounced. '' I believe this is a practice of Discover. This is the XXXX time in XXXX years that Discover 's representative fails to " listen '' and do exactly what they chose on these account upon calling the customer. XXXX removed the automatic payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXXXXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding my account with your company, Account Number : XXXX, which has been marked as charged off. I am not disputing the account or its status ; however, I would like to request clarification and verification of the following details for my records : The date of the first delinquency on the account. The date of the last payment made on the account. The date the account was officially charged off. This information will assist me in maintaining accurate records and understanding the timeline associated with this account. Please provide this information in writing at your earliest convenience. If additional documentation or identification is required to process this request, feel free to contact me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX, XXXX XXXX, and XXXX, However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Payday loan, title loan, personal loan, or advance loan

This month I was 7 days late on making my payment. In that 7 days I received multiple text messages, multiple phone calls and multiple emails. In multiple occasions, I answered the phone and acknowledged who it was that answered. When I hung up the phone because I didnt want to speak with someone about my financial situation that is in a foreign country. I would get a phone with a few hours or less later even though I acknowledge who I am as I answered the phone. 

When speaking with a manager he laughed and said that it is goodleaps policy to collect any outstanding payments as well use any and all means to collect. Confirming their actions fall within the fair credit act. If I answer my phone and acknowledge who answered I can not be called again for at least 24 hours. If I discuss my account not again within 7 business days.
Product: Mortgage

On XX/XX/2020, the family renting my investment property moved. I prepared the property to be shown but on XX/XX/2020, we were mandated to stay home to " slow the spread. '' As a result, I was precluded from showing the house, therefore, I could not rent the house. I learned of the CARES Act and on Thursday, XX/XX/2020, I called SPS and spoke with XXXX. XXXX advised me that under the CARES Act I was entitled to a forbearance of my mortgage. I requested a 90 day forbearance for XXXX, XXXX & XXXX payments. XXXX confirmed that the three ( 3 ) mortgage payments would be moved to the end of my loan without penalty or interest. I accepted this relief in good faith and under the advice of XXXX cancelled my auto pay. 

I was successful in renting the property for XX/XX/2020, and called SPS to resume mortgage payments. I was told I needed to apply for a loan modification which I did. After months of submitting and resubmitting the same information I was denied the loan modification due to a " collection or charge off on my credit report. '' I believed that the " collection '' action in question was a {$290.00} disputed bill with XXXX which I offered to pay in full to resolve. I was told that was not acceptable and that I had " no home retention options. '' I was told that I was required to pay a lump sum payment or SPS would begin foreclosure on my property. I asked about repayment options, payment plan, etc. and I was again told " I had not home retention options. '' Together with a foreclosure notice I received a short sale acceptance form and a general third party authorization forms to sign over the rights to my property to SPS. 

I filed an appeal with SPS which was denied. 

In addition, to the loss of income on this property directly related to the Covid-19 pandemic, my income was reduced by 25 %. Further, since I was unable to travel for work my monthly travel reimbursement was reduced to zero, an average loss of {$350.00} a month. 

I am a single woman supporting my household on a single income. I accepted the relief offered by SPS to ease my financial burden while impacted by Covid-19, in good faith. I believe SPS acted in bad faith by refusing to find a way to make the loan modification successful after offering and promising to move three ( 3 ) mortgage payments ( XXXX ) to the end of the loan. I have never been late on a mortgage payment. I feel as if I have been a victim of a predatory lending practice.
Product: Money transfer, virtual currency, or money service

Greetings in Peace! 

Dear Sir/ Ma'am, Good day! 

This is in relevance with my paypal account which is now facing an unfairly act of imposing permanent limitation without proper disclosure of what had been violated in the said term of agreement by papal.I 've been using paypal with my account : XXXX fora year, not a fresh acct, contained many transactions with my online business and has XXXX $ that stucked in it that i must have to withdrawn asap for emergency purpose for my self medication due to health problems. And i am hoping that i will get back my account normally without any permanent limitation with a fair judgement upon review and to be able to do transaction again in the near future. Attached is my ID and screenshot copy of my paypal account.Thank you very much and God bless!
Product: Credit reporting or other personal consumer reports

Companies XXXX, Transunion XXXX XXXX reported purposely PII
Product: Bank account or service

Our mortgage was sold to XXXX different banks. XXXX of the was Bank of America. They sold it to XXXX XXXX XXXX. Now they want to foreclose on us without giving us an opportunity to solidify the debt therefore by allowing us to have an affordable payment plan according to our budget.
Product: Checking or savings account

I am writing to formally complaint regarding multiple overdraft fees apply to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to the delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears to be consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit card

Amazon said I would get {$50.00} if I applied for a Chase credit card. Chase delayed the card and I have not received the {$50.00}. Chase sent me notice on XX/XX/XXXX, that they needed more information : 1 missing date of birth 2. Proof of billing address 3. A copy of the letter On XX/XX/XXXX I went into a Chase bank in XXXX, Texas and they faxed a copy of my drivers license, which includes my birth date and address. 

I received no response and on XX/XX/XXXX I called and they said they did not receive any information. On the same date I went back into the Chase bank in XXXX, Texas and they again faxed a copy of my drivers license. 

I have not received a response. 

I am XXXX years old.
Product: Debt collection

Capital one has been repeatedly calling me even though Ive asked them to stop, they have made threats as well as claiming to be an attorney. They call at all times day and night and have even claimed to work for the company and will it stop harassing me.
Product: Debt collection

A woman called me from XXXX and told me that I owed {$1900.00} to XXXX XXXX for an overdrawn checking account. I immediately request verification of the debt. She refused multiple times to do that, kept talking over me, then said, " if you dispute this, we will sue you and in court is where we are required to provide you with verification of the debt ''. I continued to argue with her and she hung up on me. She also did not give me any of the disclosures required by law. She said a man would come over to serve me papers right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Crediting Reports Act XXXX XXXX account ending in XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy Also 15 U.S.C 1681section 2 it also states a company reporting agency can not furnish a account without my written instruction.

15 U.S.C. 166B A creditor may not treat a payment under an open end consumer credit plan a late for any reason.
Product: Vehicle loan or lease

WELLS FARGO has violated my rights and privacy, Failed to present the Original Creditor or the name and address of this alleged debt.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX OF XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXX OF XXXX Account # : XXXX Balance Owed : {$6200.00} XXXX OF XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal and repeated requests, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a clear violation of my rights under the FCRA. The reporting of this inaccurate and unverified account has significantly damaged my XXXX XXXX and financial standing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Inaccuracy in my credit report. I have set it on autopay. My late payment is making it hard for me to obtain a loan to buy a house XXXX XXXX 30 day late
Product: Checking or savings account

Im filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer. Capital One has cited technical issues which violates the EFTA ( Electronic Funds Transfer Act ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and Im requesting your assistance in investigating this matter to ensure my rights are upheld
Product: Credit reporting, credit repair services, or other personal consumer reports

These XXXX  are reporting inaccurate inquiries on my credit report. These items do not belong to me ...
Product: Debt collection

Subject : Dispute of Inaccurate Debt Collection Reporting and Request for Removal under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to dispute inaccurate debt collection information being reported on my credit report by ADS/Comenity and XXXX XXXX XXXXXXXX. The debt in question is being reported with incorrect amounts, and I have not received proper validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
To date, neither ADS/Comenity nor XXXX XXXX XXXX has provided sufficient documentation or proof that this debt is accurate or that the amount being reported is correct. Specifically : XXXX. XXXX/Comenity has reported a debt amount that I believe to be inaccurate and without proper documentation or verification of the balance. 
XXXXXXXX XXXX XXXX XXXX has failed to validate the debt in writing upon request and continues to report this debt without sufficient proof that it is mine or that it has been properly calculated. 
In accordance with the FCRA and FDCPA, I request that these inaccuracies be thoroughly investigated and that the debt collection entries be removed from my credit report if proper validation can not be provided within the statutory time frame. 
Please investigate the following : XXXX. ADS/Comenity : Provide documentation supporting the reported debt amount, including account statements, payment history, and any validation confirming this debt as mine. 
XXXX. XXXX XXXX XXXX : Provide evidence of the debts legitimacy, including a copy of the original agreement, proof of the debt 's transfer to collection, and accurate calculation of the amount owed. 
If either XXXX/Comenity or XXXX XXXX XXXX can not provide proper documentation of the debt or validation of the amount owed, I respectfully request that this debt be removed from my credit report as it is being reported inaccurately and is in violation of the FCRA. 
Under the FCRA, inaccurate or unverifiable information must be deleted from my credit file. I ask that this matter be rectified within 30 days as required by law. If these companies can not substantiate the debt, I request immediate removal of the collection entries from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, the only thing I have received from XX/XX/2023 is a letter stating that it doesn't appear to have been sent from me. After receiving that letter, I sent another dispute on XX/XX/2023 identifying myself and addressing the fact that I received the letter from you all. I pulled my report again and my account has not been updated to reflect the changes and ensure that the reporting is 100 % accurate. The following accounts are inaccurately reporting on my consumer report and are also in violation of 15 USC 1681i ( c ). XXXX Account Number : XXXX and XXXX XXXXXXXX XXXX Account Number : XXXX I demand that these accounts be deleted from my profile due to inaccurate reporting. 
These errors have damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681b ( a ) ( 3 ) ( A ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer