23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Have received numerous calls from. XXXX XXXX XXXX but no voicemail as to what they were calling for ... I called the number back and the representative i spoke with was one of the most rudest people I have ever spoke with ... .when he answered I could n't understand bis name..I stated I 'm sorry what was your name..he stated to me very loudly and rudely MY NAME IS XXXX!! WHAT IS YOUR NAME AND WHAT DO YOU WANT!!! I stated that i have received numerous calls from this number and was inquiring as to why they were calling..he repeated my number back and stated that owed cash net XXXX..i told him i needed some verification of this debt..be said that they have sent me out numerous letters..told him I 've never gotten anything..he said..yeah sure..that 's what they all say..he said listen up miss..we have had it with deadbeats like you..my company is going to have you arrested for cashing a bad check with Cash Net ... I told him I do n't intend on paying anything without some validation..he said we have sent you out eveything you need to know..next step is the local authorities will be notified of this. ..and arrest you..I told him..well I 'll be sitting here waiting..thank you. Have a nice day..and i hung up..he immediately called back and gave me a case # and said good luck deadbeat ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted XXXX XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX  XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX XXXX received a letter back stating that that was not my address. Fourth XXXX XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXXand have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX  XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with XXXX  XXXX  and Experian on resolving inaccuracies on my credit report I will attach one of the letters showing the discrepancies on all 3 that need removed. My last attempt at contacting the took more then the time allotted for them to reply/no response at all to the investigation all items were sent by certified mail and they did not remove the items. As I have stated I have been disputing since the first of the year these inaccuracies and they refuse to fix the issue or ignore me entirely. All 3 bureaus are reporting inaccurate information..re aged accounts etc.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX, and I am directly submitting this complaint with no external parties involved. I have included letters that describe in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported by XXXX, Experian, and XXXX.
Product: Checking or savings account

Bank of America Closed my account due to fraudulent activity. Its been 3 years since that has happened and ive received no help or guidance as to what im supposed to do now. Ive called XXXX and the bank of america itself in XXXX Florida. Nobody helps i get the run around. The incident occurred XX/XX/2018. Source of information BANK OF AMERICA ; XXXX. XXXX XXXX, XXXX, FL XXXX. Due to fraudulent activity. No balance due was on the report. I know for fact it wasnt me making these transactions I was new to the bank, my first account ever. I need help. I need a bank account i need to start gaining credit. I am XXXX with nothing starting for me, I need this more than anything. If any information on my records are false claims, or unverifiable I would appreciate my background to be cleared so I can have opportunities. Please get back to me Dont leave me empty handed like the rest of the people that tried helping. Thank you.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX Charge-off {$770.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX  Inquiry {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment to for a private XXXX College student loan account in collections with XXXX XXXX on XX/XX/XXXX in the amount of {$3200.00}, in order to get my account balance to {$2000.00}. My credit report gets updated between the XXXX of every month. On XX/XX/XXXX, my Exquifax reported my account balance for this account was {$5200.00}, which is not only wrong but an increase from the last monthly report, and there was no payment for XXXX XXXX recorded. On XX/XX/XXXX, I call XXXX College and XXXX to make sure information was updated on their end. XXXX was, XXXX College 's wasn't. I start a dispute with XXXX  and Equifax on XX/XX/XXXX. I call XXXX College and XXXX on Friday, XXXX XXXX and they verified that they each had communicated and updated my account. On XX/XX/XXXX my XXXX  dispute was resolved. On XX/XX/XXXX, my Equifax dispute was resolved. Both disputes did NOT change the amount and did NOT record my recent payment on my credit report. I even uploaded a bank statement document to prove my payment, and provided my payment confirmation number for my Equifax dispute, yet it was still not denied. I open another dispute with XXXX on XX/XX/XXXX and with Equifax XX/XX/XXXX. I know for a fact the information is updated and available. I don't know where they're getting their information from or if they're just delayed in updating it. I'm start XXXX  school in XXXX in 2 weeks and I needed to apply for a XXXX loan by XX/XX/XXXX. This has delayed me because based on the incorrect credit report, I would be denied for the loan needed to pay for school.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX   XXXX, IN XXXX I have two collections accounts recent reported by XXXX XXXX in XX/XX/XXXX for 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( XXXX, XXXX, and Transunion ). These 2 collections accounts are being reported as of XX/XX/XXXX with a Date Opened of XX/XX/XXXX. These same 2 accounts were already reported previously by XXXX XXXX XXXX with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports. I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct? I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages. XXXX XXXX has already been contacted twice with no response received. XXXX validated the debt even though it is clearly a re-reported account that they themselves already deleted from my report when it was initially filed under XXXXXXXX XXXX   XXXX. I opened disputes with all credit bureaus, and a complaint with the XXXX against XXXX XXXX. In which, XXXX immediately responded and said for me to reach out via email. Which I have twice, and have received no response. I will continue to open complaints, and seek legal counsel if these are not removed. These are in complete violation of the FCRA. It is an FCRA requirement that the credit reporting agency notify you no later than five days after the date of reinsertion. It doesn't take a rocket scientist to realize these are the exact same debt collection accounts, just being reported under a new collector and new account number. Do your jobs credit bureaus it would take 2 minutes to realize these amounts tie out to each other and should have never been reinserted, not to mention it is in direct violation since you never sent me a notification.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I am selling a TV ( priced at {$150.00} ) on XXXX. One user ( account name : XXXX XXXX XXXX ) contacted me and offered to pay {$150.00} directly through XXXX. I got an email from a fake XXXX email ( XXXX ), saying the {$150.00} credit won't be available until that user sent another {$100.00} to me. They said they did it and asked me for a refund. Unknowing it is a fake XXXX email, I refunded the {$100.00}. But I got another email from the fake XXXX email asking for another {$100.00} because of the XXXX processing issues. So, I sent them {$100.00} again. 

I checked XXXX 's website, which explicitly said they will not refund me because I authorized the payment even if I am tricked. I immediately called my bank- Discover Bank- who also says they won't refund me because I authorized it.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account # 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16811s-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.

15 U.S Code 6802 ( 1 ) ( A ) ( B ) ( C ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION. BECASUE OF THIS, IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Product: Vehicle loan or lease

High sales practices for this vehicle. I do not remember the features of this loan. In my right mind, I would not have agreed to the number of months, interest rates, cost of loan, and monthly rates. Also, this is a vehicle I would not have purchased due to insurance rates, plus gas mileage due to fixed income and budget. I called/carried the car back to return it the next day or so but was told there was no return policy. The salesman and I were to meet up with the general manager but could never everyone at the same place or time. The Salemans took some time off during this process. I have attempted to get a refinance with better rates, shorter terms, and great savings overall, but the amount owed is twice as much as the value of the car.
Product: Checking or savings account

I have two Chase checking accounts : 1 ) Chase Premier Plus Checking which I'm the sole owner ; and 2 ) Chase Total Checking which I jointly own with my wife. Starting from XX/XX/XXXX till now, Chase mistakenly charged a monthly fee of {$25.00} for my Chase Premier Plus Checking account for a total of {$350.00}, even though my two accounts have a combined balance of ~ XXXX XXXXXXXX and have never fell below XXXX XXXX which is the minimum threshold to avoid monthly fee. 

I called Chase on XX/XX/XXXX after I accidentally discovered the charges, but they only agreed to refund {$25.00} with {$320.00} outstanding, and claimed that these two accounts can not be linked and thus the combined balances didn't count, despite the facts that 1 ) I have ownership of both accounts, and 2 ) these two accounts are linked in my mobile app with the same login credential. In addition, they did not explain why they didn't notify me when and why they were going to start charging fees. These are deceptive hidden fees to consumers, and many other consumers may experience the same situation. I'd like to submit this complaint to urge Chase to look into its broken process that harm customers, refund me {$320.00}, and refund other customers fees charged for the same situation
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 
It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice. 

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting credit act XXXX XXXX account number XXXX Has violated my rights. 15 U.S.C 1681 section 602 A -states I have the right to privacy 15 U.S.C 1681 604 A - section 2 also states I consumer reported AC Can not report an account without my Written instruction or consent to do so.
Product: Mortgage

When my, then partner, and I decided to purchase a home, we were referred to Priority Home Mortgage by our builder. When I met with XXXX XXXX at Priority the very first time I was clear of my relationship status and wanted to make sure that was not going to be an issue with a joint VA loan/mortgage. I was assured that everything was fine. This was XX/XX/2015. 

We processed all of the paperwork, were pre-approved for the mortgage as a couple. 

XX/XX/XXXX, I was contacted by another individual from Priority, I believe her name was XXXX, who asked for marriage documents. I relayed the same information that I had shared with XXXX. All of the sudden we could not get the mortgage, or deed to our home in both names, I had to go through the pre-approval process again. Everything. 

Once the dust settled, I went to XXXX 's supervisor, XXXX XXXX. After several conversations, he agreed that Priority personnel had messed up, and that my, now husband, and I would need a quick/Quit Deed after I closed on the house in order to get the deed in both my name and my husbands. He also agreed that Priority Home Mortgage would incur the cost of processing the second deed. Conversations as late as XXXX XXXX, XXXX confirmed that all was in order and that the Quick/Quit Deed could be processed the day after my closing. 

At my closing on XXXX XXXX, XXXX ( a separate entity ) told me that I would have to wait until I received my actual deed before I could move forward. 

I have now had my deed in my possession for over 2 weeks. I have reached out to XXXX XXXX at Priority Home Mortgage three separate times, including today, to get the XXXX deed processed and signed. I am getting no return communication from Priority Home Mortgage.
Product: Credit card

Bank of America charged fees and interest on account originally ending in XXXX then changed to ending in XXXX in XXXX the card was reported lost and closed to both Bank of America and the credit bureau in XX/XX/XXXX, additionally the company caused additional costs to be incurred, I did advise them not only was my credit card lost but I was also locked out of online banking and not recieving statements due to the compromise. Bank of America was contacted on countless occasions to refund these back to me and issue a check, Bank of America neglected to do so, I was transferred back and forth and even hung up on several times. Additionally my information on the account was changed by and associate to prevent properly verifying me by phone. Please reference card closure date in document attached.