23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX and XXXX I was at XXXX XXXX XXXX trying to the knowledge I needed to be a successful XXXX XXXX and because of the school regulations after my class was over I met after school to meet an instructor at his shop to help with homework and to help me understand how a business works at XXXX I was not an employee however a creditor started making calls there and I didnt appreciate being bothered while I was trying to learn. I went on from XXXX to go to XXXX XXXX after this creditor messed up my relationship I had with the instructor at XXXX .. Im still very XXXX this even happened and I lost XXXX dollars because I failed that semester and creditor took school funds. I told this creditor I was in school and it was on a legal document in XXXX XXXX however I was completely ignored While attending XXXX XXXX I was offered a chance to attend training and schooling at a body shop all was through XXXX XXXX in XXXX and it was not a job. In XXXX XXXX and XXXX started garnishments on student funds took XXXX creating problems with my tools then continued to take XXXX a week till XX/XX/XXXX when I was placed on medical leave Im furious that I was bothered while trying to pass a very hard course. Thanks to XXXX and XXXX my position was given to someone else and I lost the tools that where given to me XXXX from XXXX  tools. My tools are now being repoed Im 13 weeks behind. So I spent 30 years trying to build a career only for XXXX up creditors to destroy everything I worked hard for. I filed many complaints on here and other agencies and was told that I was sent documents to exempt this yet no papers ever showed up at my address. I was completely taken advantage of if I knew everything about law I wouldnt be having to pay for an attorney constantly. Your a complete disgrace and hope your happy with completely destroying my life all over a debt I doubt I owed. I just had to freeze my credit do to fraud and identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) And the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}.
Product: Payday loan, title loan, or personal loan

I took out a loan on XX/XX/XXXX in the amount of {$670.00}. As of XX/XX/XXXX I have paid {$1800.00}.
I called onXX/XX/XXXX and was told my payoff amount was {$660.00}. My principle only dropped {$5.00} after 9 payments? I understand that XXXX XXXX XXXX is not licensed in Pa..
Product: Credit card or prepaid card

American Express promised they would provide XXXX Delta skymiles if we applied for a new card and spent {$2000.00} over a 3 month period. We received the new card and spent the money. Now, Amex will not honor their side of the deal and credit the miles to our account. 

We have called Amexs customer service line and spoken to two managers both of whom refused to honor the arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

DO NOT DISMISS AS A DUPLICATE! 

The original servicer was XXXX XXXX XXXX in XX/XX/XXXX. 90 days later it became delinquent as they don't report until 90days. 
It was transferred to the Department of Education XXXX XXXX XXXX in XX/XX/XXXX. 
First complaint is that it was one disbursement not two and should not have been divided. 
The second complaint is they are reporting the first delinquency inaccurately. The clock does not reset when an account is transferred. The original delinquency date should be XX/XX/XXXX. 

A SIMPLE REQUEST FOR LOAN HISTORY SHOULD BE CLEAR
Product: Credit card or prepaid card

I had made a purchase and signed up for a store credit card at XXXX XXXX XXXX onXX/XX/XXXX when I was travelling to XXXX XXXX, NV ; however, I never received the credit card and statement after that. Few months later, I got a call on my cell phone from XXXX XXXX, saying that I had a past due. I told the lady that I never received neither the credit card nor the statement. She told me that I need to wait for the next credit card statement and she could not email me the statement. On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX Store and paid cash for the transaction. By the time I received the credit card statement, I had three months ' late fee accumulated. 
I have the feeling that XXXX XXXX is proposely not sending the first statement to initiate the late fee from the credit card holder. When the time I found out I had a past due, I told them to email me the credit card statement, so I can make the online payment ; they said they did not email out credit card statement. I told them I got it all the time from other banks. I have called the bank this morning ( XX/XX/XXXX ), they said they had record of sending out monthly statement with postal office proof, so they ca n't waive any later fee.
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. 
XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Also according to 15 USC 1681s-2, they are not supposed to 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

Unknown hard inquires. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On the XXXX of XX/XX/2020, I tried making a transfer from my chase checking account and I was not able to and was told to visit a chase bank branch to complete my transfer. 
I went to a branch the XXXX of XX/XX/2020 and met with a bank manager, He further went to tell me to notify my family members who sent money to my chase account to walk into a chase branch with XXXX forms of ID and verify the transactions and have the bank branch give him a phone call... 
I was able to get my family member to do this but when they got it done they were informed that my chase account is no longer active .... 
My account had been closed on the XXXX of XXXX, I reached out to the bank again and asked why my account was closed and they didn't give me a solid reason, they only just told me they will mail me a check of the funds I have in my account within 90 days ... I had a total of {$10000.00} in my account and was furious because the funds were mean to take care of my medical bills and my child 's college bill, I waited and waited and waited and up till this very day I never got my check or my funds in my account..
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with an representative by the name of XXXX at Equifax on XXXX2021. Upon requesting a dispute, XXXX denied me the right to dispute incorrect, invalid and some fraud related items on my credit report.
Product: Debt collection

I am experiencing communication tactics issues with MIDLAND CREDIT MANAGEMENT. Despite my requests to cease communication or limit contact to specific channels, they continue to harass me with repeated phone calls. These calls are often made multiple times a day, which is disruptive and causes undue stress and XX/XX/XXXX. Additionally, some representatives of the collection company have used abusive language during these calls, further exacerbating the situation
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. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$3600.00} XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$2300.00}. 

XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 

XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Partially secured with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
and a balance of {$0.00}. 

XXXX XXXX Partially secured with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. 

XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$430.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Checking or savings account

On XX/XX/XXXX i deposit a check of {$300.00}. {$100.00} of it was told pay my overdrawn amout which brought it down to {$97.00}. The {$97.00} was to be deposited in my account. I got a {$100.00} in cash and {$75.00} was put on hold and the remaining {$25.00} deposited in to my account. I didn't have my valid dl so I had to use my debit card in pin so the teller could pull up my account. After realizing what happend I went back to the branch to correct it but they claim they couldn't help to call the customer service number. After calling customer service they tell me that it can only be fixed by the branch. This went back and forth for 2 months delt with the branch 5 times and 2 times at different locations and dealt with customer service on the phone and thru the secure messages XXXX times. The manager XXXX didn't even try to help he claimed he couldn't see the discrepancy and that he did all the research needed. So he said theres nothing he could do. I have never seen customer service this bad in my life and I'm supposed to be able to trust my finances in their hands if they can't even fix their own mistakes. That's nothing less then stealing and defeats the purpose of the accounts being insured. No matter who you talk to nobody has access to fix the transaction and they don't have a corporate number. I used to be a proud chase customer but definitely can't say that at this point.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payments on Account [ XXXX ] Dear Sir/Madam, I am writing to dispute the late payments being reported on my account [ XXXX ]. According to the Fair Credit Reporting Act ( FCRA ), the term person is defined broadly, including entities such as XXXXXXXX XXXX 

Reference : 15 USC 1681a ( 2 ) ( A ) ( i ) Explanation : This section establishes the broad definition of person under the FCRA, encompassing entities like XXXX XXXX. It serves as the foundation for disputing the reporting of late payments by such entities. 

Furthermore, under 15 USC 1681a ( 2 ) ( A ) ( i ), a consumer report excludes information about transactions solely between the consumer and the reporting entity, subject to section 1681s3 of the FCRA. As such, reporting late payments as transactions is a violation. 

Reference : 15 USC 1681s3 Explanation : This section outlines the responsibilities of furnishers of information to consumer reporting agencies, emphasizing the requirement for accuracy. It supports the argument that transactions solely between the consumer and the reporting entity should not be reported under this section. 

In accordance with SC Code Ann. 39-5-10 et seq., which prohibits unfair or deceptive practices and acts, the illegal reporting of late payments corresponds with this law. 

I am ordering XXXXXXXX XXXX, TransUnion, and XXXX to cease reporting late payments for this account and update it to Paid as Agreed, Never Late. I do not authorize the reporting of these late payments, as they are not only inaccurate but also damaging to my creditworthiness. 

Furthermore, even with a permissible purpose, consumer consent is essential, as mandated by 15 USC 1681b. I do not grant such consent in this case. 

If the account is not updated within 30 days from the receipt of this complaint, TransUnion, XXXX, and XXXXXXXX XXXX can be held civilly accountable. I appreciate your attention to this matter. 

Done in good faith.
Product: Debt collection

Subject : Urgent Request for Deletion of Inaccurate Information Dear Fair Collection and Outsourcing/XXXX XXXX I am writing to formally dispute several negative items on my credit report, which I believe are inaccurate and damaging to my creditworthiness. The details of these items are as follows : Invitation Homes I have thoroughly reviewed my credit report and have found discrepancies that are not only erroneous but also in violation of the Fair Credit Reporting Act ( FCRA ). I request that you conduct a thorough investigation into these items and remove them from my credit report immediately. 

Please be advised that I have documentation supporting my claims, which I am prepared to provide upon request. I urge you to take this matter seriously, as the presence of these inaccuracies is causing significant harm to my financial standing. 

If these negative items are not corrected or removed within 30 days, I will have no choice but to pursue legal action to protect my rights under the FCRA. I trust that you will handle this matter promptly and professionally. 

Thank you for your immediate attention to this urgent issue. I look forward to your swift response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made withoutmy consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXX/XXXX/2023 XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/2023. XXXX The inquiries was not authorized from XXXX XXXX XXXX XXXX XXXX  different inquiries from same company Date of Inquiries : XXXX/XXXX/2023 Please remove it from my credit report. XXXX. This account should not be reporting on my credit report XXXX ( account number XXXX ). Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Bank account or service

We live in NY State. We were flooded by Hurricane XXXX and XXXX. Flood Insurance Money that came to us was withheld by HSBC Bank until we did repairs. It was about {$12000.00}. We believe some interest was paid on that amount to our account. Shortly thereafter, another {$40000.00} was given to us from Hurricane XXXX, and the Bank also withheld that money pending repairs to our home. On XXXX XXXX, 2013, HSBC transferred their Mortgage Services to XXXX XXXX XXXX. They are holding appx {$52000.00} Flood Insurance Money in their Bank pending our signing a reconstruction contract with a builder, which has not yet occurred. When our {$52000.00} was transferred to XXXX, there were no written receipt sent to us attesting to the fact that they had that money in our account. I made numerous phone calls to XXXX XXXX, asking for something in writing to prove that our money, in that amount, was being held by them. After all, if their computers went down, how could we prove that they had our {$52000.00}. If I put XXXX cents into a savings account, I get a receipt. XXXX XXXX absolutely refused to provide us with a receipt on paper attesting to the fact that they were holding {$52000.00} of our money. 
Also, they refused to say if they were paying us interest on that money. Apparently, there IS NO law in NY State requiring Banks to pay interest on Flood Insurance Money being held by Banks. WHY, I DO NOT KNOW. I AM SURE THE BANK IS MAKING MONEY ON OUR {$52000.00}. Any money they make on Our money is ours. I am sure they are investing that money, and keeping it. 

I wrote recently to the New York State Department of Financial Services about these XXXX issues. They forwarded a complaint to XXXX XXXX. I received a letter from XXXX XXXX supposedly in answer to my complaint. They did put in writing, in that letter, that they were holding {$52000.00} of our Flood Insurance Money. So finally, the State Agency got that in writing for us after two years. However, XXXX XXXX stonewalled on the issue of interest due us on that money. They filled half of the letter with an answer to an issue that I did not raise, and that was the issue of them releasing our Flood Insurance Money to us. I did not ask them to release any funds yet. They made it appear that they were answering my complaint, but they answered a question that they made up, not my real question. 
Finally, they did not address the issue of whether we were due interest, and if not, why. They stated this : " Additionally, we recognize XXXX XXXX 's and XXXX XXXX 's concerns over the interest earned on the escrow funds. With the final disbursement of the insurance funds, any interest earned will be released with the draw. " We realize that no interest has been paid on these escrow funds, because the bank would have issued us a XXXX form. 
We believe this is not fair. There may be as many as XXXX homeowners in New York State with banks holding Flood Insurance funds. They are, we feel strongly, profiting from all of these funds which are not theirs. Why are the Banks allowed to cheat us in this way?
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for and received a auto loan for a used car. Subsequently I received a letter from ALLY Bank referencing credit freeze on my record with XXXX, which I authorized and their letter also reference XXXX XXXX. 
XXXX reported incorrect credit score and incorrect factors which affected my score as reported by XXXX. 
I have never heard of XXXX, never authorized them to be used or consulted regarding my credit score.

Their information is incorrect and there is no way to reach them without disclosing too much personal information. I do not want to release personal information to a company I have not chosen to use nor one I have never heard of. 
My credit score is readily available from XXXX XXXX and XXXX 
I my records deleted from XXXX XXXX. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am sending my CFPB complaint to you to notify you that the XXXX credit bureaus neglect to correct the inaccurate account on my credit file. This account has several error. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history.The bureaus are reporting false information and I believe the company is violating Sections 605b of the FCRA. Kindly help me correct this account : XXXX XXXX BANK XXXX XXXX : {$300.00}.