23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Despite the multiple previous written requests, the unverified collections listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX ( Original Creditor : 11 XXXX  ) XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

I have reached out to Transunion and XXXX several times and i have yet to receive a response of any kind. I have 2 credit cards that are not showing on Transunion and XXXX. XXXX is also showing an erroneous payment history showing several late payments that are not on the other CRA 's for one of my listed cc ending in XXXX. I have been informed since XXXX has not responded that I am owed {$1000.00} in compensation. Please tell me how i can go about collecting that amount. The lack of information being reported by the CCRA 's is falsely suppressing my credit score and is causing me financial harm. I need this fixed immediately. Thank you.
Product: Credit reporting or other personal consumer reports

I SENT THIS THIRD-PARTY COLLECTION AGENCY BELOW XXXX CERTIFIED LETTERS AND I ALSO SENT XXXX CERTIFIED LETTERS TO ALL XXXX  CREDIT BUERAS ASKING THEM TO VERIFY THIS DEBT THEY SAID I OWE BUT I HAVE NOT GOTTEN THE CORRECT INFORMATION VERIFYING THE DEBT BACK FROM NEITHER XXXX OF THEM, SO THIS COLLECTION DEBT SHOULD HAVE BEEN DELETED OFF ALL XXXX  OF MY CREDIT REPORTS, HERE 'S THE LAST LETTER I SENT XXXX MONTHS AGO ALONG WITH THE ACCOUNT NAME AND ACCOUNT NUMBER BELOW. 

XXXX XXXX  + XXXX XXXX Original Creditor Name : XXXX XXXX Original Creditor Address : XXXX XXXX XXXX XXXX, TX XXXX I am writing this letter in regard to the account : XXXX XXXX XXXX referenced above that is being listed on my credit report by XXXX XXXX . This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For obvious reasons.

I am maintaining very detailed records of all my correspondence with you in preparation to file a complaint with the Attorney Generals office and the Consumer Financial Protection Bureau if you continue to list this item on my credit report. I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the account can not be verified, you are obligated by law to remove the item and if you do verify this item, please provide the comp

lete name of the person who verified this information, telephone number, the date you spoke, all documentation provided to you, and the method of verification as well. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX
Product: Debt collection

in accordance with the fair credit reporting act XXXX has violated my right. 
15 U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instruction.
Product: Vehicle loan or lease

I opened up this loan XX/XX/XXXX. I have been paying for 5 years on a used XXXX XXXX. I feel like because of my credit history I was taken advantage of. To date everything I still owe almost {$20000.00}. I feel that the because of my credit background I was charged unfair and illegal interest rates.
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 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 XXXXXX/XX/XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have called on multiple occasions advising that the inquiries were fraudulent and I was directed by the companies to contact the credit reporting agency since I was affected by the past breach with Target in XXXX and the past Equifax breach when i put my information. 

The unauthorized inquiries are : XXXX XXXX Date XXXX/XXXX/XXXX ( This is unauthorized because I already had an auto loan with them no need to run my information XXXX XXXX Card Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Date XXXX/XXXX/XXXX Mariner Finance Date XXXX/XXXX/XXXX XXXX Main Date XXXX XXXX XXXX Main Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Department of Education XXXX XXXX/XXXX/XXXX XXXX I graduated in last XXXX XXXX and consolidated my loans they did not run my credit so i dont know what this is )
Product: Credit reporting, credit repair services, or other personal consumer reports

unrecognized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XX/XX/XXXX repo Late Payment XX/XX/XXXXInquiry : XX/XX/XXXXXX/XX/year> Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair reporting Act XXXX account 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  has violated my rights. 
*15 U.S.C 1681 -Procedure in case of disputed accuracy section 2 ( A ) section 5 ( A ) *15 U.S.C 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies section 8 ( A ) section E *15 U.S.C 1681- Congressional findings and statement of purpose section A ( 4 ) *15 U.S.C 1681b- Permissible purpose of consumer reports section A ( 2 )

*15 U.S.C 1681 section 602 A, states I have a right to privacy. *15 U.S.C 1681 section 604 A s
ection 2, also states a consumer reporting agency can not furnish account without my written instructions. 
I have sent certified letters three times for XXXX, XXXX and Experian to respond verified and updated. You can see from credit report that is incorrect and inaccurate.
Product: Credit reporting or other personal consumer reports

I have reported to f.b.i and identity theft.gov and u.s embassy of XXXX of someone using false power of attorney with fake signature that's not even mine, stolen irs tax return prove of irs representative, a phone number I used to have before I departure to XXXX, XXXX on XXXX, XXXX, XXXX and returned back to u.s on XXXX, XXXX, also XXXX account is stolen, and Tennessee department of revenue report that my SSN IS UNDER XXXX XXXX, not XXXX XXXX which is me And now there is 3 students loans were taken while I was gone in XXXX, XXXX and the 3 loans were taken as " National Emergency Forbearance '' there are {$3800.00} and {$3000.00} and XXXX I have reported them to transunion and XXXX XXXX XXXX and have called the department of education and informed them as well Done sent documents of prove evidence to XXXX by mail and received it on friday XX/XX/XXXX, and documents were signed for as well
Product: Mortgage

case # XXXX what going with this fraud commented by Bank of American!!!??
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Bank account or service

I have an case on finacial production case XXXX and now us bank charge me overdraft fee {$39.00} for being overdrawn because of XXXX being unauthorized and now this bank will refund me. I have alerts on my checking account and this time my account was overdrawness on XX/XX/2017 and my alerts notify me on XXXX and because I made a deposit on XXXX on XXXX was charge XXXX. And they now telling me email alerts going out 24 hours and I should set up the alerts by text message this is wrong.
Product: Credit reporting or other personal consumer reports

My credit report thru XXXX XXXX shows my score dropped by XXXX points due to a missed payment on a credit card that I don't even have! It is Barclays Bank, and I do not have that credit card, nor have ever had it!
Product: Credit card or prepaid card

American Express Company with my credit card has been double billing charges and even triple billing charges to my account on many occasions dating years back also adding late fees and interest fees over the years when I was never late as the credit bureau will show my history of exceptional payment history. American Express change and combine my pay over time charges as one bill on several occasions trying to adjust their mistakes which is still incorrect because I dont owe anything on pay overtime and because American Express was double charging me for charges I had no knowledge of for years with interest, was adding up over the years because at the time customers couldnt see their pay overtime charges or balances which I always inquired over the years and they always say its in your billing statements which wasnt true they made it very confusing for customers to know what was the pay overtime balances. But on  XX/XX/XXXX my pay overtime balances was paid in full and entire account balance was paid off and even then I felt like that balance was incorrect because that pay off balance included over {$5000.00} charges, fees and interest in the pay overtime balances which also included double charges and even triple charges and numerous of late fee charges I went as far back as XXXX with the late fees until I got exhausted looking on my statements, I been a member since XXXX how many more late fees or double and triple charges was added to my billing statements or pay overtime balances. Because these are just a few that I went back to. Also on some of my billing statements I was making payments on more than I charge on my bill for instance XXXX XXXX XXXX my total charges was {$500.00} but American Express had amount due in charges {$820.00} that was incorrect and other billing statements was the same problem .Attached is just a few copies of my billing statements which overcharged fees and interest and overcharged late fees and double and triple billing for the same items I knew nothing about. American Express is harassing me about making a payment for this month through text messages, emails and phone calls say unknown but when I call the number it was American Express. I got a letter on XX/XX/XXXX while we investigate this for you, you wont be responsible for the {$22000.00} under review. If necessary, we will adjust any interest charges or American Express fees associated with the disputed amount. I have been through this before in the past and they say the same statements in the letters and the entire balance that Im disputing is applied right back to my billing statements and during the time balance is being disputed they still in between while balance being investigated continue to harass me about making a payment. Attached is the multiple harassing text messages and emails. Please report this complaint to XXXX XXXX XXXX VP this is the complaint department and phone number XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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: Debt collection

On XX/XX/2019 at XXXX XXXX, Coast Professional called my personal cell number. They asked for me. When I asked if they consented to the call being recorded they hung up the phone.This is the second time that Coast Professional has called me after I sent them a cease and desist letter that dictated that any and all future communications are to be in written form. This is also the second complaint that I have made through the Consumer Financial Protection Bureau. After the first complaint I received a reply that " At this time your account has been updated and placed into a no calls status. We apologize for any inconvenience this may have caused ''. This is evidently not the case and this phone call is in violation of section 805 ( c ) of the Fair Debt Collection Practices Act.
Product: Credit card

I pre-ordered a TV on XX/XX/2023 through Amazon.com with an expected delivery of XX/XX/XXXX. The TV was actually sold through a company named XXXX. They provided a USPS tracking number which I can track through Amazon. On the day of delivery, I received an invoice and a letter claiming XXXX will reach out at a later date to deliver the TV. 

After contact XXXX for a refund, the person on the phone refused and said they would call me back, which never happened. Amazon support would not refund me because the amount exceeded the support agents refund limit and had to escalate. 

I decided to dispute the charge with my credit card providerChase. Because XXXX provided a tracking number for the invoice, Chase has decided that the transaction was valid and not their problem. 

I eventually received my refund, but now Chase is re-billing me the amount, claiming that they front-ed me the amount charged and are trying to get their money back. They also point to my refund from Amazon in my statements as the credit provided by Chase during the dispute. I appealed the decision and provided an email from Amazon indicating they refunded the amount, but Chase has denied the appeal and will not respond to further appeal attempts.
Product: Mortgage

I paid a rate lock fee of {$8500.00}. on XX/XX/XXXX. At this time we expressed concerns about interest rates and we were assured that this wouldn't be an issue because we could always move the rate lock to another property. 

As interest rates went up and the home we were building became more unaffordable we asked Wells Fargo about possible solutions to work with us. They refused to give us any options to latitude. They continued to tell us that the deal was as it is and if we wanted to cancel and forego our rate lock fee then we could. We didn't want to cancel but wanted additional solutions. The rate lock fee agreement says the fee is refundable if the loan is denied but they refused to deny the loan even as we no longer qualified for the house. 

On XX/XX/XXXX we were told that we needed to provide updated information and consent to a new credit check by XX/XX/XXXX or they would cancel the loan and not return our rate lock fee. 

I responded on XX/XX/XXXX. At such time additional information was request with a new deadline of XX/XX/XXXX to get the new information submitted. It was not explained to us at the time that not meeting this deadline would result in a cancellation from the lender and a forfeiture of the rate lock fee. We were in the process of gathering information and they cancelled our loan and their own discretion. 

Wells Fargo chose not to deny my loan but simply cancel it so they would not have to refund my rate lock fee. These actions are predatory in nature. It is not right to take money from someone, refuse to make accommodations when external factors make it so they no longer qualify, and then cancel instead of deny the loan so they can keep the rate lock fee. 

It is not legal to retain funds for services not provided. I would like my {$8500.00} returned to me immediately.
Product: Money transfer, virtual currency, or money service

I checked my Cash App and it was - {$1000.00}. 
I contacted support, they said it was a chargeback from XXXX card endiing XXXX and i had to take it up with them, a bank in XXXX. 
I check my account for the transaction being disputed and there are only XXXX failed transactions on the date XXXX XXXX from XXXX XXXX XXXX for {$500.00} and XXXX for {$200.00} I contacted XXXX and there was a language issue and got nowhere. 
I contact CashApp support and got nowhere but them saying to contact the issuing bank. 

The issue is there is no approved transaction to dispute. I was also never notified of the chargeback to fight it. 
CashApp has the obligation to research and investigate the dispute for me and did not. A simple review shows that there was never any approved transactions or funds sent or recieved. 
This seems like it may be a scam where cashapp is hacked and scammers are running it. 
Or CashApp has totally failed obligation to consumer and should be made to pay for damages and time
Product: Mortgage

In XXXX we refinanced out home however Bank of America never released the Lien and I have been trying to get them to fix the problem since XX/XX/XXXX, it has been the worse experience I have ever had with a bank they could care less about this and they should have done there job 18 years ago. they should be paying my mortgage for the past 18 years since they did not do there job. I have reached out 7 times with no resolution????? 
The Reception no XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the ownership and accuracy of the XXXX Account listed on my credit report more than once and it has come back as accurate and Verified the account number is the same on each consumer report but the data furnished on each report is different which are violations of the FCRA