23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account Name HSBC BANK NEVADA  N.A.  RC Account #  XXXX  I do not and never had any legal or lawful security obligation with this business. I will record a perfected security interest in this business for 3x the stated balance plus damages if they do not immediately remove any information related to my PERSON on the PERSON 's credit report with the credit bureaus. I logged in and saw this information.     I did receive a bogus demand to pay a debt from this entity in th e US  Mail. I did respond via Certified mail with my Notice and Demand To Validate Debt Claim in accordance wit h 15 USC 1692. They d id not respond.     They need to remove this items immediately or I will record a lien and file civil charges.
Product: Debt collection

The debt collection company : Mountain Land Collections, XXXX charged me {$170.00} for a medical bill transferred by XXXX XXXX XXXX ( on XX/XX/year> ) According to XXXX  XXXX, By restricting the amount of interest a creditor can charge, these laws are designed to help consumers avoid crippling debt and deter predatory lenders. XXXX  maximum interest rate is 10 % absent a contract, and charging more than the legal rate ( known as usury ) is a felony. 

I visited XXXX XXXX in XXXX, and the debt was sent to collections in XXXX. Even with the maximum 10 % interest rate, they have grossly exceeded the allowable amount. Additionally, they have been unable to provide a detailed breakdown of the charges, which I need to submit to my XXXX XXXX
Product: Vehicle loan or lease

I spoke with sales XXXX XXXX XXXX after vehicle was taken from my yard in had paid for XXXX and XXXX half yr all I owed was XXXX
Product: Credit card

I called Macy 's American Express three days before my bill was due because I noticed that my automatic payment had a duplicate payment scheduled to come out of my checking account. The customer service representative assured me that only one payment would be coming out on the due date. 
Today, when I checked my checking account, it showed that two payments of the same amount ( double what was due ) had been taken out of my account. When I called Macy 's American Express to have one of the payments reversed, they told me it would take 5-7 days for it to be refunded. I then told them that I was counting on those funds to pay my electric bill, the rep, placed me on hold to speak with her supervisor. When she came back, she told me that they could mail me a check or refund it to my account in 5-7 days. Either way, I have had MY money ripped from my account without my permission!! Very frustrating! I requested that my account be closed and the overpayment be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not file this complaint in error nor am I being represented by a 3rd party but I have been studying the FCRA every since I have been fighting to get an inaccurate, false Bankruptcy removed from my report. Now I keep finding errors on my report that are not being corrected. I sent a letter certified mail back on XX/XX/XXXX and received tracking via XXXX when I contact the credit reporting to follow up on my complaint I was told the letter was not received however I have proof of delivery and I'm trying to understand my the company is ignoring my request and continue to Violate me unders US Code 1681b ( 2 ) no permissible purpose to furnish report without my written consent as well as violate my right to privacy Delete following accounts 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

I deposited a check for services to my business account & Chase JPMorgan has held the check for over a week. They have said they are verifying the check with the maker & paying bank. I have spoken to the maker & paying bank myself with a Chase branch manager & the paying bank said funds have cleared. But yet, chases fraud department will not release the funds. And they have since completely locked my business account. Restricting me from using other funds I had in the account. They told me this morning if the check can not be verified they are going to close my account & refund the pending check to a customer I have already assisted in receiving the equipment. XXXX XXXX XXXX, manager of the XXXX, XXXX branch will back all of this information.
Product: Mortgage

I recently assumed my loan with Freedom Mortgage, my brother was the other party and wanted to be taken off the loan. As soon as the loan closed, I lost all online access to my account. I was told that I would have to have an automatic payment form filled out ( dont get paid on the same day every month ) or call every month with my payment. Before the loan closed, I was told that I would lose access for a short time, but I would get it back so that I had access to my accounts. When I called, they told me they deleted my account and they delete all accounts associated with an assumption, the person then put me on hold and was told by management that I would regain my online account after a billing cycle. They said anytime I needed a document I would have to call them and it be mailed to me ; they told me I could view them through my email, but the link takes me to the login screen. I let them know that I signed up for paperless billing and asked if I could change it so that I could have access without having to call and request it, they informed me that paperless billing would remain the same and to again access my email ( which again takes me to the login website ). 

It is extremely difficult not having automatic access to my loan and payment options, there is not an option to send a payment through my bank, I can only pay with my bank account if I call or if I have access to the app. I currently work full time as a nurse, the app should be available, and I should have full access to my statements and account balances at all times if I need it. I have never made a late payment, and my brother never had access to the app and has never made a payment, they have all come from my account for the entirety of my loan. I have refinances cars and when I did, they just got rid of the other account so that I could not view it, I do not understand why they can't do the same, this would allow me access and protect my brother 's information. I have looked online for answers, and this has happened to several borrowers. What is there to hide? How do I know if there a discrepancy? It seems very illegal and sneaky not allowing your borrowers to have online access.
Product: Checking or savings account

On XX/XX/XXXX and XXXX, 2022, a series of unauthorized transactions were processed against my Bank of America checking account from XXXX and XXXX. The unauthorized charges totaled approximately {$1700.00}, which Bank of America will not reimburse even after I provided all available information and disputed the charges before they were even processed. There were additional disputed, unauthorized charges from other companies but those companies are reimbursing me. However, Bank of America has been unresponsive to my claims disputing the charges. 

On XX/XX/XXXX, I went to Bank of America, spoke with a representative, and opened a claim requesting that Bank of America not process the " processing '' transactions. They did anyway. Over the ensuing days, I provided as much information as possible, including my work schedule, a note from my boss, and my clock-in slips to prove that I was working when the unauthorized transactions took place. Bank of America has been unresponsive and has provided no update on my claim for weeks. 

Bank of America never advised that I file a police report, but I did anyway approximately ten days after the incident. I provided Bank of America with the police report. Still, I have heard nothing about the status of my claim from Bank of America which is apparently " investigating. '' I am a working mother of two. I have been a customer at Bank of America for more than 30 years. {$1700.00} is a lot of money, and I'd appreciate any assistance the CFPB can provide in helping to resolve this matter. I'm not sure what else to do and feel that I have exhausted all available options, especially given Bank of America 's unresponsiveness. Thank you.
Product: Vehicle loan or lease

This is documents for bankruptcy for the car loan, That Credit Acceptance day I owe .The car loan its in XXXX.Calvin XXXX got approved for car loan not me he has it in bankruptcy as we seek. 
It need to be remove off my XXXX  credit not my debt. 
Remove it now.
Product: Student loan

I refinanced my first and second mortgage, which included money for payment on my Auto loan, credit card and student loan. I received checks for each pay off made out to each lending institution. All were accepted and the respective loan payed off, except the one to Navient. They keep rejecting the check saying that the bank account is invalid.I have attempted to pay them at least 4 times now. Each time they tell me that the bank account is not valid. I now have late payments listed on my account because they wo n't accept the pay off. If the account number for the bank is not valid, why did n't the other lending institutions have difficulties?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debts twice. 

no contracts exist ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow.

Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information on my credit report regarding the following accounts : XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXXXXXX XXXX Collection Account XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX Collection Account XXXX OF XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these accounts contain inaccurate information and are damaging my creditworthiness. The following laws support my dispute : The Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccurate information on my credit report. 
The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate information. 
The Consumer Financial Protection Bureau ( CFPB ) enforces federal consumer financial laws and protects consumers from unfair, deceptive, or abusive practices. 
I request that you investigate these accounts and remove any inaccurate information from my credit report. Please provide me with a written explanation of your findings and actions taken within 30 days of receipt of this letter, as required by the FCRA. 

Thank you for your attention to this matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I requested an investigation into this account, due to errors on my credit report involving this account. You did not fix the errors, so on XX/XX/XXXX I requested a re-investigation into this account. After your re-investigation you still did not fix the errors in this account. You are reporting a balance and available credit on this account even though it has been charged off and settled. These inaccuracies are highly injurious to my credit, undermine faith in the credit reporting agencies. This a direct violation of the Fair Credit Reporting Act. Due to you neglect at fixing this obvious error, I am demanding you delete this account, and send me and updated credit report once you have deleted this..
Product: Checking or savings account

I used Zelle and was scammed out of {$1900.00}. Zelle said they could not do anything about it. The purchase I was making was making was for a XXXX. It was a scam and they would not help.
Product: Debt collection

XX/XX/2024 XXXX XXXX LOCATION INFORMATION : XXXX XXXX XXXX, XXXX, GA XXXX ACCOUNT # : XXXX Dear JEFFERSON CAPITAL SYST, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY. 

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING. 

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL AND THE FTC. 

THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent regarding the violation of my privacy I noticed on my report. 60 days later I have not received a reply. My rights are being violated by Transunion, XXXX and XXXX. According to 15 US Code 1681 Section ( a ) ( 4 ). This is a violation of my privacy.

I never gave either of the previous mentioned companies the right to report any of the information attached in the documents.

I demand all accounts be deleted off my account, or i will seek litigation due the stress that this has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted both Transunion as well as XXXX XXXX and have not had this issue resolved yet after numerous attempts. Inquiries on my credit report that were not authorized by me nor belong to me remain on my report. Inquiry dated XXXX/XXXX/XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

XXXX has called my cell phone repeatedly every day for 3 consecutive  days in an attempt to collect a debt from someone unknown to me. 

I have blocked the number on my phone but they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$80.00} 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 XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraudulent activities, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Company continues to place incorrect information on my credit profile causing me to not be able to provide for my family financially.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit agenciesXXXX XXXX, and TransUnionfor their egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ), as well as against XXXX XXXX XXXX for their fraudulent and unlawful debt reporting practices. Despite my repeated attempts to rectify this matter and seek validation of the reported debt, I have encountered flagrant disregard for consumer rights and substantial financial harm. 

On XX/XX/2023, I sent a demand for validation to XXXX XXXX XXXX regarding a reported debt they claimed I owe. Despite this, on XX/XX/2023, they responded with a refusal to validate, failing to provide essential documentation, including a signed contract bearing my ink signature, records indicating when they received the debt, the contract with the original creditor, and the amount they paid for it. These actions not only violate the FCRA but also demonstrate their inability or unwillingness to comply with basic consumer protection provisions. 

Furthermore, XXXX XXXX XXXX has been reporting this debt without my consent, a clear violation of FCRA Section 605B. Additionally, the reported debt is not legally enforceable in the state of XXXX, where I reside, as the statute of limitations on debts is XXXX years. Despite these legal constraints, they persist in reporting the debt, thereby perpetuating their unlawful actions. I reported these issues to the credit agency by phone yet they did not send back any updates correcting the issues. 

As a direct result of the fraudulent reporting by XXXX XXXX XXXX and the negligent oversight by XXXX, XXXX, and TransUnion, I have been unjustly denied access to credit opportunities for the past XXXX years. This includes the inability to secure financing for purchasing a home for my family, causing significant emotional distress and financial setbacks. 

Therefore, I am requesting compensation for the losses I have incurred due to the actions of XXXX XXXX XXXX and the credit agencies. I ask that this compensation align with the policies outlined by the Consumer Financial Protection Bureau for violations committed by credit collections and the credit reporting agencies. 

Additionally, I request that XXXX, XXXX, and TransUnion immediately update and remove all reporting efforts for XXXX XXXX XXXX and XXXX from my credit reports to rectify the inaccuracies and prevent further harm to my financial standing. 

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take appropriate action to rectify the violations committed by XXXX XXXX XXXX and hold XXXX, XXXX, and TransUnion accountable for their failure to ensure the accuracy and fairness of consumer credit reports. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, a XXXX  XXXX, command the Department of EducationXXXXAidvantage with the account number XXXX to discharge their debt immediately. I am XXXX  and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, XXXX, and fairness in order for the Department of EducationXXXXAidvantages debt to be free from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the XXXX and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX  Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Product: Checking or savings account

On or about XX/XX/year>, Bank of America restricted all access to my bank account without any explanation of why nor did they provide details on when I would be able access my money. It is now XX/XX/XXXX and I am now evicted from my home because I did not pay my XXXX rent and I have no money because Bank of America will not allow me to access my own money. Bank of America is the direct cause of me becoming homeless. There is XXXX suspicious activity on my account. XXXX!