23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over final rent statement was forward to Hunter-Warfield. During a previous discussion with them it was confirmed that approximately {$920.00} of our final rent bill was paid via money order to the original creditor XXXX XXXX at XXXX XXXX. The collection agency put the account a dispute status in order to confirm the balance and get an updates statement from the original creditor. The update invoice took some time to get to the collection agency, but onXX/XX/ I received an update statement via US mail from the collection agency requesting a balance of {$220.00}. I contacted the agency because I was unclear of the balance and wanted to confirm that the utility charges on the remaining balance were correct. A second dispute was requested and the collection agency agreed to verify and request a breakdown of the utility statement from the apartment complex. During this conversation I was told that my collection account would accrue interest at a daily rate while the dispute was being processes. When I asked where the interest was from and how could they charge me interest, I was informed that my apartment lease stated that interest would be paid on late payments. I reviewed my lease and saw that the only fees accessed on late rent and past due payments were {$150.00} late and after 3 days another {$100.00} fee plus any fees associated with an eviction. I argues this issue and spoke with a manager who state that it was in my lease which authorizes the collection agency to charge interest on a collection balance. 

On XX/XX/XXXXat approximately XXXX I contact the original creditor XXXX XXXX at XXXX XXXX to inquire about the interest on late payments in the lease and the collections agency to charge interest. I was informed by the leasing agent that XXXX XXXX at XXXX XXXX does not charge interest on late or past due rent even when it is in collections. The leasing agent stated that the only fees stated in the lease include {$150.00} late and an additional {$100.00} late fee after three days plus applicable eviction processing fees. She then stated that the collection agency was a third party hired to collect the balance due to the leasing company only. The leasing agency stated that they still own the debt and use a third party to collect on pass due accounts. 

At approximately XXXX I called the collection agency Hunter-Warfield to inquire about the interest on my past due balance and the updated invoice and break-down of the utility fees. The debt collection agent stated that the interest was able to be charged based on my original agreement between the leasing agency and I. When I told the agent that I spoke with the leasing agent and that was false, he then quickly stated that the interest was based on an agreement between the collection agency and myself. I informed the agent that I never entered into any contract with the collection agency and I requested a document which permits lawfully the ability for the collection agency to charge interest. The conversation ended.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXXXX/XX/XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Student loan

I received notification in XX/XX/XXXX ( letter attached ) that I would receive a refund for the overpayment of my loan from Navient. When I received no money, I called them and asked if a check had been mailed in XXXX of XXXX. The customer service rep said that they sent the check and I would get it soon. I waited till XXXX to call them back again and ask if the check had been stolen. They said now they would mail out a check for $ XXXX. I told them then that I would call back at the end of XXXX if I did not receive the check. I called them on XX/XX/XXXX, and they said my loan got transferred to XXXX, and I would need to get the check from them. I said that the previous XXXX reps lied to me, and they said to call XXXX. I called them the same day and they told me that XXXX was to cut my check and they would call me back the same day about the issue if not to call Navient back. I called Navient back, got a voicemail, and informed me that I was filing a complaint because I still have not gotten my check. I paid this loan in XXXX, even during the student loan hold, because I wasn't sure if I would get my loan refunded, but now I wonder If I should get back all my payments. Please see the attached screenshots of my payment history... I XXXX have missed some letters saying my load was to be refunded.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring to your attention a significant violation of the Fair Credit Reporting Act ( FCRA ) by Equifax in the reporting of an account associated with XXXX Bank XXXX, partial account number XXXX. This account has been reported inaccurately and inconsistently, failing to meet the legal standards of accuracy and completeness required under the FCRA. 

Specific Violations and Inconsistencies Detected : XXXX. Inaccuracy of Reported Information ( FCRA, Section 607 ( b ) ) : -The reported credit limit and high balance for this account are listed as {$0.00}. This information conflicts with data from other credit bureaus, indicating a clear inaccuracy in Equifax 's reporting. 

-The payment history is incomplete, with blank entries for XX/XX/XXXX and XX/XX/XXXX. These gaps make it impossible to verify the account 's legitimacy or assess its accurate status. 

XXXX. Failure to Conduct a Reasonable Investigation ( FCRA, Section 611 ( a ) ) : The report states " Consumer disputes- reinvestigation in progress. '' However, the same discrepancies persist after the supposed reinvestigation. This demonstrates that Equifax did not conduct a reasonable investigation into the account as required by law.

3. Impact on Payment History ( FCRA, Section 605 ( b ) ) : The missing entries for key months in the payment history undermine the credibility and accuracy of the reported information. This omission violates the FCRA 's requirements for accurate and complete reporting.
Product: Credit reporting

A credit card was obtained using my details but with the SSN changed by one number and when I contacted XXXX I asked them the personal details and they told me that the SSN and it was wrong, they have now reported this as a delinquent payment and this is not my account XXXX Credit CardXX/XX/2015Open - XXXX Days XXXX Missed Payment $ XXXXXXXX % of Credit Limit*Account DetailsLast Reported XX/XX/2015Creditor Name FST PREMIERAccount Type Credit CardAccount Status OpenOpened Date XX/XX/2015Closed Date -- Limit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status XXXX Days LateWorst Payment Status XXXX Days LateDate of Last Payment XX/XX/2015Amount Past Due $ XXXXTimes 30/60/90 Days Late XXXXRemarks -- Payment History2015 OK OK OK OK OK 30XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX30 30-59 Days LateCredit Utilization* XXXX % Creditor Contact DetailsXXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXXSee something wrong? 
Learn more about how to dispute items on your credit report. 
XXXX XXXX RecommendationsFind a personal loan to consolidate high interest balances. 
Use less of your credit limit by transferring balances to a new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FOUND AN INCOMPLETE AND INNACURATE ACCOUNT ON MY CREDIT REPORT AND HAS BEEN DISPUTING THIS ITEM FOR AWHILE..I SENT IT TO THE COLLECTION AGENCY ON XX/XX/2020 WITH NO RESPONSE, THEN I SENT IT TO TRANSUNION ON THE XXXX OF XXXX ASKING THEM RESPONSE WITHIN 15 DAYS.THIS IS CAUSING ME GREAT STRESS
Product: Credit reporting, credit repair services, or other personal consumer reports

Barkleys bank Tinquiry XX/XX/2018 I have contacted all three credit bureaus and disputed this also I contacted company and disputed this inquiry
Product: Debt collection

Conserve- DEBT NOT MINE- IDENTITY THEFT. I have made multiple attempts to fix this. I never utilized any type of credit with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Apple credit card account with Goldman Sachs, and during the pandemic I faced several hardships that caused me to miss one payment. And under the CARES ACT 2020 I was eligible to pandemic assistance and Goldman Sachs never initiated the assistance after several calls. I have one late payment which they told me would be removed under the CARES ACT and a courtesy update removal. But nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. 
You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. 

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

On XX/XX/2019 my best buy citi credit card was charged {$4.00} for a debt protection service that I did not request or sign for. I attempted to call them on XX/XX/XXXX to cancel and to get a refund. No one was available to take my call. Upon further review I discovered I was paying this fee every time I would use the card, which again I did not consent to.
Product: Debt collection

XXXX XXXX XXXX has continually harassed me with debt calls they state that I owe them however I have never had a business relationship with this company. I called them and stated I would like them to send me proof of my debt to them and they never sent me any proof of any kind. They then sued me in the local XXXX XXXX XXXX XXXX XXXX. PA on XX/XX/17. I hired a third-party mediator to try to work with XXXX, first to prove the debt was valid and if so work out a resolution, but even they could not mediate a fair resolution because XXXX had no proof of validity on the debts owed. When my day in court finally came on XX/XX/17 I arrived to dispute the lawsuit ( after having to take the entire day off of work ) but XXXX nor any of their legal representatives even showed up. The XXXX Judge discharged the debt however XXXX filed an appeal and now has another lawsuit against me in the PA Court of Common Pleas. I simply can not believe this company can file a lawsuit and not show up for court and then file an appeal. I have lost time at work and wages due to these actions by XXXX, additionally I have been extremely stressed and risk losing my job due to their phone calls at my work and their harassing tactics. When talking to them on the phone they demanded a payment of any kind so the lawsuit could " go away ''. They are basically using scare tactics to extort money out of people. Unfortunately I landed in this situation because I am recently divorced and went through a very horrible separation and divorce and I do not know what to an exact degree what past debts are truly mine, my ex-wife 's, or both of ours combined and companies like XXXX are taking advantage of hard-working Americans like myself by using their attorneys and their power to try to bully people into paying them money in order to prevent being sued in their " shakedown '' lawsuits. After researching XXXX it appears this company buys bulk debts at rock-bottom low rates from down-on-their-luck people and then tries to go after them with these scare tactics, and despite being been found liable for illegal tactics in a multitude of class-action and other lawsuits they are still allowed to operate. The tactics that this company has used against me are despicable and are clear violations of abuse of process and consumer intimidation and I intend to file a federal lawsuit seeking damages.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2024 LexisNexis Risk Solutions XXXX XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Credit Freeze Dear LexisNexis Risk Solutions, I am writing to formally demand the immediate implementation of a security freeze on my credit file. I initially submitted this request months ago, and despite fulfilling all identification verification requirements requested in your follow-up letters, my credit file remains unfrozen. I am concerned by these unnecessary delays and request that this freeze be enacted without further postponement. 

Please be advised that the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws entitle me to a prompt and efficient handling of my credit freeze request. Given my compliance with all verification steps, I believe any further delay is unwarranted and potentially violates my consumer rights. 

I request written confirmation of the credit freeze on my account within the next ten ( XXXX ) business days. I expect your urgent attention to this matter, as I have provided all required documentation and identification. 

Thank you for your immediate action on this request. 

Sincerely,
Product: Checking or savings account

In XX/XX/2020, M & T Bank was complicit in fraudulent transactions based on forged unauthorized withdrawals from my checking account. Two of my checks were stolen from the U.S. Postal Service mail. The amounts and the payee were changed and  and the authorizing signature was forged. The checks were submitted to M & T Bank for withdrawal of funds and M & T Bank released the funds from my account. The signature endorsement on the back of two checks, that was routinely required before M & T Bank processed these transactions, is MISSING. The financial institution involved in this transaction is not visible. M & T Bank representatives can not tell me how these transactions occurred and they can not tell me the name of the other financial institution invovled in these transactions. 

The M & T Bank Affidavit of Forgery Alteration Unauthorized Check Form was submitted to M & T Bank along with a police  report on XX/XX/2020. Two forged M & T Bank checks, totaling {$10000.00} were involved in the transactions. M & T Bank has not restored the funds to my checking account.
Product: Debt collection

Credit bureau of Farmington has been calling me repeatedly from auto dialer with the automated message. this incident has occurred several times four times in the month of XXXX alone XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have already filed a police report for harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX for an auto loan. The account is no longer with XXXX XXXX. It is now in the possession of a lawyer whom is taken care of it separately. This account should be removed since its no longer with XXXX XXXX contacted XXXX XXXX through Consumer Financial Protection Bureau and all they said was they cant do anything about the account since its no longer in there possession.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for its failure to conduct proper investigations into inaccuracies in my credit report. Despite my repeated disputes and supporting documentation, XXXX consistently responds within 24 hours, asserting that the account in question is accurate. However, no evidence of a thorough investigation is provided, and this lack of diligence violates federal law. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, credit reporting agencies are required to conduct a reasonable investigation of disputes raised by consumers. XXXX repeated failure to meet this standard suggests a systemic issue in its handling of consumer disputes. 

Additionally, this practice appears to contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair, deceptive, or abusive practices. The CFPBs recent administrative proceeding against XXXX ( XXXX XXXX. XXXX ) highlights similar violations and underscores a pattern of noncompliance with federal law. 

Requested Resolution : I respectfully request that the CFPB investigate XXXX practices and take appropriate enforcement actions to ensure compliance with federal laws, including : 1. Mandating that XXXX conducts thorough and reasonable investigations into consumer disputes. 
2. Requiring XXXX to provide evidence of investigations to consumers when disputes are resolved. 
3. Ensuring XXXX complies with the FCRA and CFPA in all aspects of credit reporting and dispute resolution.Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX
Product: Checking or savings account

They have not released deposits since XXXX XXXXXX/XX/XXXX My deposit was suppose to release on XXXX  XX/XX/XXXX I never received an email of the issue however I found out on XXXX that they have not released anyones deposits XXXX  is a holiday and I have bills to pay My car note is late My insurance is late My credit card is late My rent is due They are causing me to accrue fees
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several accounts on my credit report. The accounts in question are listed below and I have included their associated account numbers : XXXX XXXX ( late payment account ) XXXX XXXX XXXXXXXX ( late payment account ) XXXX  XXXX ( late payment account ) XXXX XXXX  XXXX XXXX ( charge off account ) XXXX XXXX  XXXX ( charge off account ) XXXX XXXX  XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXXXXXX ( charge off account ) XXXX  XXXX  XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXXXXXX XXXX XXXX charge off account ) XXXX  XXXX XXXX  XXXX ( charge off account ) XXXX  XXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX  XXXX  XXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX  XXXX ( charge off account ) I am disputing these accounts because I believe they contain inaccurate and/or incomplete information. These errors are negatively affecting my credit score and financial wellbeing.