23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ACCOUNT NAME CREDIT COLLECTION SERV Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen Account No. XXXX I recently pulled my credit report and discovered that my mortgage account with Ocwen is reporting my account as being adverse and delinquent when it is not. 

According to Ocwen, they claim it is being reported accurately. However, when you look at my credit reports, the Ocwen account is being reported as delinquent every month by all of the credit bureaus, when it is not. 

Ive repeatedly asked Ocwen to fix this problem by removing the wording in the remarks section. In the remarks section for each and every month, Ocwen writes, BANKRUPTCY DISMISSED. By making this adverse notation, it incorrectly appears that I am filing for bankruptcy each and every month, which is not the case. This adverse remark should not be appearing on my Ocwen account at all. They had nothing to do with any bankruptcy. It is also being reported as one month late when it is not. There should be no late reporting. Consequently, the Ocwen account is showing the account as delinquent when it is not. 

I am requesting that Ocwen delete the remarks on my credit report immediately.
Product: Money transfer, virtual currency, or money service

Dispute a error transaction for a payment made on my account the problem occurred on XX/XX/2022 Service provided required documentation to resolve the transaction and obtain the amount being disputed I'd appreciate if someone could please help me with this account error as soon as possible
Product: Debt collection

My bank account is frozen and I was never notified of a court datefrom the debt collection company or from the bank and they are refusing to send me any copied of the paperwork from either company
Product: Debt collection

I had multiple medical collections with RECEIVABLES MANAGEMENT PARTNERS , LLC. 
I set up a payment plan and paid off all my debts with them. They sent me Receipts stating the amount I paid the account number and that it was paid in full and the amount owed XXXX. 
Months later I received a debt collection notice From XXXX XXXX XXXX XXXX XXXX for a medical bill that I paid for through RECEIVABLES MANAGEMENT PARTNERS , LLC. 
So I immediately called them and they assured me I paid that account with them and I told them that I had gotten another collection for the same debt and they had no idea how that was possible and told me it was for sure paid. So I called the XXXX XXXX XXXX XXXX XXXX and gave them the account number and told them that I had a paid in full, XXXX  out Receipt for that specific date and debt. 
After months of having to call them and try and get answers, because go figure the one time you want a collections agency to call you, they dont.

Their explanation took literally months to construct and they have offered zero proof or paper trail of an account not being paid.

I do not feel like Iam responsible for their mistakes. I have my proof of payments and I do not intend to pay for the same account twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I have a credit card with QVC, synchrony bank collects for them. I went on the QVC website a made a payment for the entire balance showing on XX/XX/XXXX, that payment cleared my bank the same day. Synchrony bank said the payment could be fraudulent, even after speaking with me and that were holding the payment up for 7 days. They already have the money, it cleared my bank account so what could be fraudulent about that, it was an electronic payment, not a check. Yet they sent me an email saying that the payment would be credited the same day. My balance at QVC shows {$9.00} with a credit limit of {$1100.00}, but I have no credit? How does that work? I 've spoken to XXXX people this last week who all gave me a different story, then today I spoke to XXXX who said he was a supervisor and because they had the authority to hold it they were going to hold it and there was nothing I could do about it.
Product: Credit card

On XX/XX/XXXX I received notification that my balance transfer was going to expire see below. 

Bank of America. 
Promo Expiry. 
Your credit card promotional rate expires soon Credit card ending in XXXX The promotional rate you're currently receiving on your balance ( s ) will expire in about 90 days. 
After the promotional rate expires, any remaining portion of the balance will be charged the standard rate for that balance type. 
Offer code : XXXX Transaction type : Balance Transfers Promotional APR : 0 % Promotional end date1 : XX/XX/XXXX Current balance2 : {$330.00} APR after promotion ends : 18.49 %, a variable APR based on the U.S. prime rate On XX/XX/XXXX I sent {$100.00} to begin reducing the expiring balance transfer. 
The minimum payment was applied to the expiring transferthe remainder was paid toward another balance transfer ( with a higher interest rate ). 
I called Bank of America and explained I am trying to pay the expiring balance transfer. They said it could not be remedied. 
Next, on XX/XX/XXXX, I sent a check in the amount of what was owed on the expiring balance transfer in the amount of {$310.00}. I included the offer code in the memo of the check. Bank of America applied the minimum amount due ( {$29.00} ) to the expiring balance transfer and applied ( approximately {$290.00} ) to the balance transfer with the higher rate. On XX/XX/XXXX I called Bank of America and asked to speak to someone that could apply the payment to the offer that was expiring and they said there was nothing they could do and h7ng up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report, and it says I opened a credit card in XX/XX/2019 which I did not do. My credit score wasnt even strong enough to be approved for any type of credit, and the account is already in collections not even one year after it says it was open. I did not apply for this card, and I do not understand why its on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to MACYS/DSNB for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied with the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. XXXX  account # has violated my rights. 

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 an account without my written instruction. 

XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX {$900.00}, XXXX XXXX {$600.00}, XXXX XXXX {$19000.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$2400.00},
Product: Debt collection

Company says they have not received any disputes from me.

I have copies of all the dispute letters, I also sent them copy of the report I filed on XXXX They tell me that the account is mine, and just say they have verified it. They have not provided any proof that the account is mine. Just that it has my name and address. 
They also claim that they have mailed me forms to fill out which I have never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute with XXXX XXXX Services concerning the charge on my account made by XXXX on XX/XX/2019. In an effort to discard the reservation it was inadvertently booked by mistake. I call was immediately placed to XXXX to explain the mistake and requested a cancellation. I doubt the transaction was transmitted to the XXXX XXXX in XXXX AZ. I was charged {$170.00} for a reservation that was never processed and for service not used. The following is the dispute for the charge : Case # XXXX Merchant : XXXX XXXX Dispute Amount : {$170.00}
Product: Money transfer, virtual currency, or money service

Received notification from XXXX XXXX that my account has been suspended and required verification by submitting government ID card image and financial documentwith my home address on about XXXX  to XX/XX/2018. I initially ignored due to concern of electronic submission of my ID and financial documents, despite having a nominal balance. But I contacted XXXX XXXX  on XXXX XXXX to figure out why it was suspended and tried to get credit. I was told reason for suspension was not releasable to me to protect my privacy. I was recommended to connect my credit card company ( XXXX XX/XX/2018 ) and then contact another Google department ( XXXX XXXX on XXXX XX/XX/2018 XXXX to see if they can provide information. neither had any issue with my account. I submitted requested documents in hope of finding reason, as recommended by another XXXX XXXX service representative on XXXX XX/XX/2018. Although I was notified of account suspension is lifted, I'm given no reason for suspension, only guesses by phone customer service representative. I was finally told after contacting customer service representative 6 or more times and being told to contact multiple non-Google services that I can not get a response on what triggered my account suspension and it can happen anytime in future. I think I deserve explanation on any issue related to my financial services. It's also misleading to have me contact other service providers to get explanation when issue was stemmed within XXXX XXXX service.
Product: Debt collection

Ok first I was wrongfully fired from the US postal service, the Alabama IRS has been illegally paying debts to the postal service and other credit card companies via tax refunds and stimulus. Now bank of America is sueing me in an improper junction in the wrong county. Since the state the debt was accrued was in Florida prior to XXXX They are supposed to sue me in the county I work or reside. They have sued me four times now, three times they failed to appear in court. In Indiana they aren't allowed to sue on a debt passed six years and have failed to prove the debt existed, I feel they picked a junction that may possibly award junction. Also they did a substitution to manipulate their failures to prove the debt. I'm also confused why I'm summoned to court three prior times and the judge in XXXX Indiana doesn't bother to even address me as a human being since they failed to appear. Seems like abusive oppression if you ask me and a an abuse of power by a judicial system sworn to protect my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

INNACCURACIES ON MY CONSUMER REPORT DELETE IMMEDIATELY. 



XXXX ACCT # XXXX STATUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PAST DUE ( XXXX ) ( XXXX ). 

XXXX ACCT # XXXX STAUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PASS DUE ( XXXX ) ( EXPERIAN ). 

XXXX ACCT # XXXX STATUS CLOSED, XXXX XXXX ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED NONE ) ( INACCURATE ) LAST REPORTED XX/XX/XXXX ) XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) CLOSED NONE, LAST REPORTED ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX  ACCT # XXXX STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE, ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ). ( EXPERIAN ). 

XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ), ( INACCURATE ) CLOSED DATE ( XX/XX/XXXX ) ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ).
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 protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 

15 USC 1681 section 602a States I have rights to privacy. 

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years. 

15 USC 1681 s-2 ( a ) ( 1 ) a person should not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the equifax data breach below in attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT IN DOCS COPIES OF CREDIT REPORTS SHOWING INFORMATION ON ALL THREE CREDIT BUREAUS SHOWING 3 DIFFERENT THINGS AND THE CREDIT BUREAU REFUSE TO DELATE THE ACCOUNTS THAT ARE REPORTING INCORRECTLY.
Product: Credit card

I had a Barclays luxury card. I pay off all my credit cards monthly. Someone added there name on my card as an authorized user. They charged my card up over XXXX in one week. The charges were n't even in my area. I disputed the charges. I had been in contact with Barclays for many weeks/months. They charged back all the charges to my card and noted on the account that it was a XXXX issue because I was married. I have never been married in my life. I am very honest person. Why would I intentionally ruin my credit. There were numerous cards that this happened too. I noticed this person added their name on my accounts as an authorized user.I started getting mail in this persons name at my house. I filed a police report. I had to go to the post office to have this person name flagged. I started received all types of mail and things from XXXX at my address. This has never happened to me. I never got a phone call from Barclays or any mail for the steps that I needed to take. I assumed my credit card company which I trusted would protect me. They have treated me like I am a criminal. It sad that I am struggle and they think I would abuse my authority and ruin my credit on purpose. I have to do what is best to protect my children long term.
Product: Credit card

I have XXXX XXXX company on my report for {$980.00} Account was opened on XX/XX/year>. This is not mine. 

Also Credit Control Service INC for a credit card with a limit of {$8000.00} with a monthly payment of {$89.00} account was opened on XX/XX/year>. And is showing as negative on my credit report. This is not mine. 


Also the company XXXX XXXX XXXX someone opened an additional account in my name. I have XXXX XXXX XXXX services but the additional account does not belong to me. The additional account opened on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! 

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

Capital one bank failed to post my direct deposit due to " vendor system issues '' and have no associates available to answer questions or provide a provisional credit hold times are in excess of 2 hours. I am not able to access my direct deposit in excess of {$2700.00} and payments are being rejected by the bank that are being requested by Bank card which will result in fees from these agencies. This lack of communication and the inability to speak with anyone is of concern.Not a good customer service experience. I have many lines of business with this bank.
Product: Checking or savings account

Capital One Bank- Checking Account My paycheck typically deposits on Wednesday evenings. Today is Friday XX/XX/year> and my check has still not deposited. The company is saying it is a third party error and they are working to correct it. I still have not received my paycheck.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, my wife and I opened a savings account at Chase Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, California XXXX. We have had a checking account at this bank since XXXX when Chase acquired XXXX XXXX XXXX, the original bank that opened the account ; our account at Washington Mutual was opened at least 10 years prior to the acquisition. On XX/XX/XXXX we went out of town for 2 weeks. Upon return on XX/XX/XXXX, I had trouble accessing my bank accounts on line and went to the bank branch above for help. I was told that both the checking and savings accounts were closed and could not be reopened due to some difference between the account name and our revocable living trust documents that were submitted when we opened the savings account. The checking account has always been in the name of our trust. The bank said that they sent us a letter on XX/XX/XXXX regarding the account closing that said we needed to contact them before XX/XX/XXXX to keep our accounts open. However, since we were out of town this entire time, we had no knowledge of the closings and no notice until our return. No phone calls or other attempts to notify us in a timely manner were made by the bank during this time. When we returned home and received this letter on XX/XX/XXXX, it mentioned only the savings account and did not mention the checking account at all. The checking account was frozen sometime between XX/XX/XXXX and XX/XX/XXXX for debits, including ACH debits on XX/XX/XXXX to the IRS and California Franchise Tax Board which made our tax payments late and will probably incur penalties and interest. However, my social security deposit was accepted and was posted on XX/XX/XXXX. The bank branch said that a check for the account balances in the amount of {$76000.00} would be mailed XXXX XXXX XXXX on XX/XX/XXXX. However, the check, although dated XX/XX/XXXX, was not received until XX/XX/XXXX. Where was it for a week? This meant that we had no access to our cash for a week. We believe that Chase bank 's actions are at best unethical and at worst illegal.
Product: Credit card or prepaid card

Best regard The following complaint is to denounce the Home Depot Company with which I have a credit card with zero interest payment for one year.

But at the end of the year, they have decided to charge me all the interest from the previous months with a value of {$1000.00} in the month of XX/XX/XXXX. 
I started using it on XX/XX/XXXX with a value of {$3400.00} and never used it again. 
For a year and I have paid {$690.00} for which the debt should be {$2700.00} = ( {$3400.00} - {$690.00} ) and according to what is stipulated they should be charging me an interest between a rate of 17.99 % and 26.99 % per year which would be between a 1.49 % and 2.24 % monthly approximately. 
This would be using the highest monthly rate as an example. 
XXXX {$2700.00} + 2.24 % ( {$2700.00} ) ===> {$2700.00} + XXXX = {$2800.00} ... ... ... ... ... ... ... ... ... ...... 
XXXX {$2800.00} + 2.24 % ( {$2800.00} ) ===> {$2800.00} + XXXX = {$2800.00} In short, what should really be in the balance as of today XXXX XX/XX/XXXX on the Home Depot credit card is {$2800.00} and not what they intend to charge me as of today, which is {$3800.00}.
Product: Credit card or prepaid card

On XX/XX/XXXXXXXX, I attempted to make a withdrawal from my payroll card and discovered that my entire pay had been withdrawn. I called the number on the back of the card, which was issued by Bank of America, and was advised that the money had been withdrawn in XXXX County, Florida that morning. I filed a dispute by telephone and was given instructions to send written documentation. 
On XX/XX/XXXX, I received a letter from Bank of America stating that they had determined that there was no fraud and they had closed their investigation due to " inconsistent, conflicting information ''. This was before they could possibly have received the documentation that they requested. 
I received a new payroll card and did receive my next payroll, but did not receive any of my money that was due to me on XX/XX/XXXX. 
On XX/XX/XXXX, I faxed an appeal letter to Bank of America with all documentation proving that I had not been out of the State of Texas in XX/XX/XXXX. In fact, I had been at work for XXXX, XXXX, working on the Toll XXXX extension in XXXX County, Texas. My card had been in my possession the entire time. 
In fact, it would have been impossible for anyone to have used my card to withdraw my pay in XXXX County, Florida and be back in Texas when I used my card at the ATM in XXXX, Texas. Bank of America is well aware of this fact, and it is my opinion that they closed the fraud investigation without any investigation at all. 
I have called repeatedly to inquire about the status of the appeal and have been told that they have 90 days to investigate it, and that they will not credit me for the amount while they investigate. This has created a hardship for me, losing my entire paycheck to fraud and I have no way to prevent it happening again.