23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hunter Warfield is attempting to collect on a debt that is not owed. All of my bills were paid before exiting this apartment complex in 2018. I did not owe any remaining months as my lease was up and I decided to opt out and move. This is not the first time that I have heard of this complex selling false owed accounts to debt collectors, I just never thought it would happen to me. So, not only was I never contacted about this debt, I wasn't aware it existed until recently when I was denied moving into a new place and was denied.
Product: Student loan

I have been making monthly payments above the minimal payment due since XX/XX/2006, but my balance has barely changed in quite some time. I have recently requested a complete payment history from Navient so I might begin my own investigation, but I am almost certain that my balance should be well below what it is at this time. 
The balance was @ {$22000.00} to start and remains at @ {$19000.00} now, which seems high after 12 years of payments.
Product: Debt collection

Product failed as advertised. XXXX XXXX was unable to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern XXXX XXXX, XXXX XXXX  XXXX XXXX  # XXXX are an accounts that were legally discharged in a bankruptcy XXXX XXXX  XXXX OHIO Docket # XXXX. Please delete this account at once it is an error! They are in error 611, 623, 609 FCRA PLEASE REMOVE/DELETE ASAP.
Product: Credit card or prepaid card

I just took a look at my credit and noticed that I was being reported as being 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I just looked through my records and do not recall ever having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this one.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX  helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und 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 ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is reporting inaccurate information to my credit report for trade line XXXX XXXX / XXXX XXXX ; invalid account number
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. ( dispute_item_and_explanation ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission ). Sincerely, XXXX XXXX Update the following statements to ALWAYS PAID-ON-TIME/ PAID-AS-AGREED PLEASE AND THANK YOU!!! 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 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: Credit reporting or other personal consumer reports

As a victim of debt bondage, a severe form of XXXX XXXX  I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX, an organization dedicated to helping survivors of XXXX XXXX Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted.
Product: Checking or savings account

I have been wrongfully charged overdraft fees from PNC Bank, and this is not the first time. I enclosed my latest checking account statement ( dated XX/XX/XXXX ) and numbered each line to help explain my complaint. 
Line : 1 & 2 -Two overdraft fees already posted for XX/XX/XXXX. ( Not Pending ). Balance before this debit {$520.00}. 
Line : 6 - Debit for {$22.00} dated XX/XX/XXXX. Deducted last instead of the debits occuring on XX/XX/XXXX. 
Line : 3, 4, & 5 - These three XX/XX/XXXX debits ( still pending XXXX should have been deducted from my account after the XX/XX/XXXX debit allowing for only one NSF fee. 

Calling PNC Bank was a waste of time. I explained the situation, however, I did not receive a legit answer or refund of my NSF for their mistake. This bank seems to look for reasons to charge these fees.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Money transfer, virtual currency, or money service

Like I said I saw products on line that I liked and order them. After waiting for an appropriate amount of time I tried reaching out to said companies via the email address I found on line and XXXX out of XXXX came back address not found. I tried contacting cash app but only keep getting AI not a live individual after a while I just said I got scammed. Now I see this add about cash app not having a live individual to talk to about my ordeal led me here. The most or biggest amount was around XXXX dollars XXXX XXXX Not sure what I'm expecting from this but I figured if I didn't look into it I just got scammed haven't ordered anything from XXXX since.
Product: Debt collection

I.C. SYSTEM has unlawfully attached my Credit File, I.C. SYSTEM has not been awarded a Judgement of Default by any U.S. Court concerning this matter, I.C.  SYSTEM has been advised that XXXX  XXXX under the guise of Extortion is an unacceptable Business Model, I.C. SYSTEM removed their initial filing from from XXXX, XXXX  and XXXX  in order to extend the 7 year expiration date and now is seeking to attach each Credit File individually to continue to unlawfully destroy the Credit File and cause financial hardships in the form of increased premium 's and higher interest rates.

I.C. SYSTEM is engaged in unscrupulously business practices, which run counter to Public Policy.
Product: Debt collection

Received a phone call from XXXX ( XXXX ) XXXX that left a voicemail with a man identifying himself as XXXX demanding that I called him back at XXXX as he and his company spent enough time and resources to locate me to pay a debt in which I have no knowledge of this company or who theyre trying to collect for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not licensed to collect in the State of Texas. 
They are reporting these two accounts on my credit report without proper notification, reporting inaccurate dates opened because they bought the debt and without a license to collect : XXXX XXXX : Account Number : [ XXXX ] XXXX XXXX : Account Number : [ XXXX ] These transactions are reporting ILLEGALLY on my consumer report. Also, my name is XXXX XXXX, and not XXXX XXXX. Please delete immediately, and send me an updated copy of my report please. Thank you.
Product: Bank account or service

I have a Paypal account some money on it, about XXXX. I tried to spend the money on a XXXX boost, and the Paypal system would n't complete the transaction without a credit card. Why would I have a Paypal account if I could get a credit card? These people have my money, and have refused to complete a simple transaction to a reputable company. I believe this is an attempt to manipulate my account to mine for new data.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX. I do not have contracts with XXXX XXXX  and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, PLEASE PROVIDE ME WITH THE ORIGNAL CONTRACT ( S ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND XXXX XXXX. IF YOU CAN NOT PROVIDE THESE CRITICAL PIECES OF INFORMATION, THEN PLEASE DELETE FROM MY CREDIT REPORT.
Product: Checking or savings account

On XX/XX/XXXX, I wrote a check ( # XXXX ) for {$5700.00} addressed to XXXX XXXX of XXXX, California. This was the second payment on our annual property tax. The check was drawn on Citibank account ( account number XXXX ; routing number XXXX ). I posted the check at US Postal Service mailbox at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Someone, but obviously not a representative of XXXX XXXX, cashed the check on XX/XX/XXXX, according to Citibank records. ( I have a copy of the check in question ). On XX/XX/XXXX, someone supposedly representing the XXXX  XXXX XXXX, called me at my home and asked whether I had authorized anyone to deposit the check at the XXXX  XXXX XXXX. I said no. This same person then advised me to call Citibank, report what happened, and ask Citibank to block the account. The bank did so, but the check had already been cashed.XXXX said it would launch an internal fraud investigation. I have heard nothing substantive from Citibank since the initial report. On XX/XX/XXXX or XXXX, I reported a mail fraud incident to the US Postal Service. On XX/XX/XXXX, I received an acknowlegement of my report of possible fraud., stating that the case ( XXXX ) " ... was being reviewed by the US Postal Inspection Service . '' I also reported the matter to the XXXX XXXX Police Department. As of XX/XX/XXXX I have heard nothing futher from Citibank, the Postal Service, or the Police Department.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Today, I discovered inaccurate accounts listed on my credit report, and I am completely unaware of how they appeared. I routinely monitor my credit, but this time, there were inconsistencies that seemed to come out of nowhere. I attempted to refresh my browser to rule out any technical errors, but the incorrect accounts did not disappear. Because of this, I ask that my submitted documents be carefully reviewed to ensure I wont have to deal with this issue again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to negligence on the part of Equifax, and allowing my personal information to be released without authorization, I am spending my time attempting to mitigate the potential losses from this company 's negligence. I have been shuffled from online to phone numbers which do n't answer, and also to a web site explaining that I now need to pay them to protect my data after their breach. On behalf of myself and all my family members, this unacceptable! You should be paying me for my time to attempt and hopefully fix your problem.!
Product: Mortgage

On XXXX XXXX my wife XXXX XXXX contacted Quickin Loans in an effort to obtain a mortgage for a {$40000.00} investment property. She spoke with XXXX XXXXXXXXXXXX. She informed him that we needed a pre approval letter and mortgage for a {$40000.00} HUD property that we planed to use for investment property. 

XXXX XXXX obtained my social security number from my wife and place a hard credit inquiry on my credit profile. He never spoke to me or obtained my permission to do so. 
I received a notification from my XXXX XXXX account that the inquiry was made by XXXX XXXX. 
XXXX XXXX got back to my cell phone number and stated that Quickin did not do loans for the amount we were requesting. 
Upon being told this I sent a text message to XXXX XXXX stating that he should have told my wife this from the beginning of her speaking with him and that he certainly should not have pulled the hard inquiry knowing that his company would not do this loan. 
He did not respond to my text message. 
Today I contacted Quickin Loans and spoke with XXXX XXXX ( XXXX ) of the consumer affairs department and shared concern and request for the removal of this hard inquiry. XXXX XXXX stated that he would have to conduct an investigation and would get back to me by Wednesday of next week. XXXX XXXX made me feel as though my wife and i were being investigated. This was unacceptable to me. His loan officers should operate with integrity and not hucksterism. I am asking that this inquiry be removed immediately and an apology be made on behalf of this incident. 

I can be reached by cell XXXX or email : XXXXXXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to purchase shares of stock on XXXX using my bank checking account { XXXX XXXX XXXX XXXX .This transaction was denied based on information XXXX received or obtained in a report from Early Warning Services , Inc in, XXXX AZ.I have never heard of " Early Warning " consumer reporting agency, nor " XXXX XXXX ''. I'm not going to send any of my personal info/data to a company/report agency that I have never heard of or knew existed. I'm aware of the big XXXX credit report agencies, I have had no dealings nor knowledge about " Early WarningXXXX XXXX . Is this a REAL Company or Scam.
Product: Credit reporting or other personal consumer reports

I HAVE NO ACKNOWLEDGEMENT OF THESE ACCOUNTS THEY ARE FRAUD XXXX XXXX XXXX XXXX XXXX  Other {$1400.00} {$1400.00} Suspended or Closed XXXX XXXX XXXX XXXX XXXX Other {$11000.00} {$11000.00}
Product: Mortgage

I contacted my mortgage servicer to set up bi-weekly payments, which as you know can save a lot of interest over the life of the loan. They refused to do so. They will only take full monthly payments and additional principal payments. This is HORRIBLY unfair to consumers. 

Mortgage Servicer : Dovenmuehle Mortgage Mail Stop XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX
Product: Payday loan, title loan, or personal loan

I have had consistent issues with KeyBank 's web site as well as making payments and completely LOST IT on them tonight. 

They are always placing blame on the bank, or sorry we are having issues with our site and then charging late fees! 

Like I have time to sit and monitor when my payment goes through, when it doesnt, and when their site decides to work. 

I want ALL late payments reversed. 

Please see documentation showing payments being made then for some unknown reason which Key can not figure out, they disappear into never never land and no one can tell me why the payment has not cleared my bank. 

Of course its the banks fault. 

I have double checked the account, its accurate. 

Please see the uploads and assist. I think they are trying to obtain a boat that is almost paid off and sell it. 

I actually re added the account and it says it already exists, just to verify the account number and routing is accurate.

ITS THEM! Please assist. This is unbelievable. I love the customer service rep tonight that said, " I understand your frustrated .... '' with a TUDE. I mean REALLY?? Its not a problem that you, Key Bank, are having major issues accepting payment from a legit bank account and I am the problem?? That I say Its YOU? That is a problem?? 

They need to get on the ball and explain WHY my payments are not being cleared. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several accounts have been opened in my name without my consent or knowledge. I have previously had to dispute accounts with XXXX, XXXX, and XXXX. All of these accounts were closed and after an investigation the negative information being reported was removed from my Early Warning Services report. A new account has now shown up on my report from XXXX. I have never done business with XXXX and according to their website I am not even eligible to have an account with them as I am not married nor have I ever been, I am not in the military nor have I ever been and I have no family that is currently serving or who has served in the past. 

My apartment was broken into and several of my things were stolen, including : My passport, driver 's license, debit cards and two check books. I filed a police report with the XXXX Police Department. The police report number is : XXXX The theft of my identity documents resulted in this identity theft. I have attached a copy of my social security card, my driver 's license, the police report and a copy of the FTC affidavit of identity theft.
Product: Checking or savings account

I had a business account with Bank of America and some one got a hold of my info a lil over a year ago and tried to cash a check for roughly 7000 dollars. It obviously wasn't mine and I recently been trying to take care of it they told me that I had ran it thru a ATM and I talk to the fraud and risk management dept. And after about 10 phone calls and the run around they finally told me to write to a division of bofa which did asking them to provide me with a " wet ink '' original copy of the check and they sent me a letter saying thr not XXXX take it of XXXX  which hurting my business cuz I can't get another business account cuz no bank is gona open with a fraud claim on thr which is making it incredibly difficult to conduct business. By federal law they have the burden of proof to show me the check that I used and whoever did could of never used an atm cuz i had my atm card at the time. Please help me to get them to remove it please and also sent the same letter to XXXX  which I reporting and all they sent me back was a copy of a bank statement I know that would not hold up in court. 
Thank you!