23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter was sent to XXXX XXXX XXXX of XX/XX/2017. 

XX/XX/2017 Dear XXXX XXXX  XXXX, It has come to my attention that payday lenders must be licensed by the state of Michigan to offer loans to it residents and your interest rate should be capped. Since your company has no license in my state, and you have illegally charged me with a high interest rate, the loan contract I have with you is believed to be not valid. Although I was not legally required to do so, I have repaid the principal balance of the loan. I received a deposit of {$600.00} on XX/XX/2017 and have had 5 bi-weekly withdrawals of {$120.00} debited from my account. This results in payments totaling {$630.00}, therefore I will be making no further payments. 

I am also revoking authorization for any wage assignment I may have signed. Any future attempts to collect funds in the manner will be blocked. Please respond to this email with acknowledgement that my account has been satisfied in full via email. All future attempts to contact me should be by email only at XXXX. Please discontinue to call me at home and or at work.
Product: Checking or savings account

I had a balance of {$10.00} in my account and made a transfer using XXXX from another banking institution in the amount of {$25.00}. After I made the transfer I made a debit card purchase using my pin for {$32.00} and it successfully cleared. This morning I noticed my account had an overdraft fee of {$34.00} because the XXXX transfer was still pending. I feel that it is unfair to have been charged this fee because simply, if the money was not available to use, my debit card should have been declined. I called Chase bank and they explained that I did not meet the cut off time for funds to be available same day. While this explanation makes sense, what does not make sense is how I was allowed to use my debit card with my pin while the funds were not posted because I did not meet the cut off time. I am certain that many people have been in this situation before and it is unfortunate that Chase bank is taking advantage of customers with obscure transaction processing methods.
Product: Debt collection

I am filing a complaint regarding continued collection efforts on a disputed timeshare-related debt involving XXXX XXXX  XXXX and an affiliated debt collection agency. 

In XX/XX/year>, the debt collector sent documentation in an attempt to validate the alleged debt. On XX/XX/year>, I responded with a formal dispute letter, outlining the fraudulent nature of the original timeshare contract with XXXX XXXX XXXX and clearly stating that the validation provided was inadequate. I requested that all collection efforts cease in accordance with the Fair Debt Collection Practices Act ( FDCPA ) until the dispute is resolved. 

USPS delivery records confirm that my dispute letter was received on XX/XX/year>. However, instead of addressing my concerns, the collector sent a XX/XX/XXXX letter falsely stating that I had ignored previous demands for payment. They failed to acknowledge receipt of my dispute or respond to any of the points I raised. Since then, I have received no written response from the collector at alldespite my demand for a reply within 15 days. 

To make matters worse, XXXX XXXX XXXX has continued to send me billing statements, ignoring the fact that the debt remains actively disputed and unresolved. 

This is a clear violation of the FDCPA. It is unacceptable for both the collector and XXXX XXXX XXXX to continue pursuing payment without addressing my dispute or properly validating the alleged debt. I believe this debt is invalid due to fraud and misrepresentation at the time of sale, and I have made that known in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Equifax, and XXXX authorities about the potential opening of fraudulent accounts using my personal data on XX/XX/XXXX. Since I didn't know how they got there, I pleaded with everyone to delete these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. On XX/XX/XXXX, I submitted my information. The accounts that weren't mine were still shown in my documentation because they had been " verified, '' even though I had written my letters more than XXXX days before. Since it prevents my family and I from buying a home, this issue terrifies and concerns me. I contacted the XXXX companies once more on XX/XX/XXXX to ask how they could confirm that these accounts belonged to me. Since they were unable to help me further, they encouraged me to get in touch with the debt XXXX directly. The client contacted all the banks incorrectly and left messages with them ; they had no idea who I was or what the accounts were about. To be sure I hadn't made a mistake, I looked on the internet. I was advised by my pals to visit the CFPB website. Because my family and I are anxious to get the home we've been looking for, I'm optimistic that this will be successful.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Perform a Re-Inquiry of My Credit Report at XXXX XXXX XXXX 

Dear Sir/Madam : I am writing to file a formal complaint regarding a critical issue with the process for re-inquiring my credit report as required by the rules outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my XXXX XXXX XXXX account, despite my taking steps to correct this incorrect information.

I recently disputed the presence of a late payment on my TXXXX XXXX XXXX account, which has been negatively affecting my credit history. Under the Fair Credit Reporting Act, I have a right to an accurate and fair credit report. Following my dispute, the credit agency was required to conduct a new investigation into the matter and ensure that any inaccuracies are corrected immediately. 

I request the Consumer Financial Protection Bureau to urgently investigate this matter and ensure that the credit agency complies with the standards stipulated by law. I request prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit agency and XXXX XXXX XXXX  I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your prompt assistance in this regard. 

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

I disputed an account with this company on XX/XX/XXXX. It was sent to their fax number XXXX with confirmation of receipt received. The company failed to respond or provide any results of the request. I am demanding it be deleted as they didn't reply with in 30 days yet reported the account on my credit report as of XX/XX/2019. 

I have attached the fax confirmation and dispute letter sent to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 
Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy 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
Product: Debt collection

Back in XXXX I stopped making payments on a {$1600.00} Chase Bank credit card as my identity had been stolen and was going through financial difficulties. It seems that in XXXX Chase decides to sue me but I was never served. Chase 's attorneys put a judgement against me and continues to try to collect the debt. I settled the debt with XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX and part of my settlement condition was that they would remove the judgement. That was not done. The attorneys are the XXXX XXXX XXXX in XXXX, CA. I am now trying to sell a piece of property I own but the judgement is showing up on my credit report. When I got the information from the escrow company as to who to call, I called them and they sent me a letter trying to settle the debt that I had already settled and the amount had gone up to {$6400.00}. I got a letter from XXXX XXXX XXXX XXXX XXXX that my account had been settled and to please remove the judgement and my name from their list back in XXXX XXXX, XXXX. To date, I have not received a response from them and the judgement still appears in my credit report. I called XXXX XXXX XXXX XXXX XXXX and they told me that there is nothing they can do because the judgement was entered by XXXX XXXX XXXX and that XXXX XXXX XXXX has to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the fraud alert removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX have all 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 instructions.
Product: Credit reporting or other personal consumer reports

Confirmation # XXXX is the reference used in a dispute recently filed with your company. The information regarding these alleged accounts and the payment history.is very damaging to my rights and reputations as a consumer. The FCRA and State laws are also being ignored as these accounts are in direct breach of my rights on state and federal laws. 
Continuing to report these XXXX XXXX XXXX XXXX accounts with inaccurate makes your company subject to legal action.
Product: Debt collection

I had sent out a 609 letter to the company to dispute these incorrect accounts however it has taken longer than 30 days to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS REPORTING THE WRONG INFORMATION. 
MY CORRECT INFORMATION IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX Employment : XXXX  XXXX XXXX no other names or address to be used.
Product: Credit card

I'm having an ongoing issue with declined transactions despite making my payments on time, keeping my balance well below my credit limit and numerous communications with Sears/Citibank customer service . There have been random stoppages on the use of my credit card citing potential fraud. This has occurred on XXXX XXXX XXXX XXXX These account only for the times that I have received a text about a potential fraud. There have been other instances where I've received no communication and have had to contact Sears/Citibank . My phone log includes contact with Sears on XXXX XXXX XXXXXX/XX/XXXX ( 5 calls ), XX/XX/XXXX ( 4 calls ) XX/XX/XXXX and XXXX ( twice ) .The automated system makes it cumbersome to reach a live person. Once a customer service representative is reached they are pleasant but ineffective at resolving the issues. The last communication with the fraud department included assurances that extra steps would be put in place to ensure disruptions to the use of the card primarily by my wife, who is an authorized user, would be minimized. I've explained several times that my wife is a traveling nurse and will use the card for daily living expenses outside the area of our primary residence. However, since then my wife on her return home attempted to use the credit card at XXXX in XXXX, XXXX  which was declined. At a gas station, again declined, XXXX declined. During this time I have checked my texts, voicemail and have not received any notifications. On XXXX after speaking with XXXX in the fraud department she explained that there was a charge of XXXX on XX/XX/XXXX that needed to be confirmed. I explained I had reached out to Citibank and confirmed the charge on that date. She acknowledge that there was record of that but that Citibank called me again on XX/XX/XXXX to confirm the same charge but they were unable to reach me. She wasnt sure why I needed to confirm the same charge twice.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit card or prepaid card

My BJ 's XXXX XXXX Comenity Bank ) was first declined on XX/XX/XXXX, in spite of me paying the card in full every month. Other than some generic messages about a system upgrade taking longer than expected, I have been unsuccessful in contacting them in the month since. I have tried both through their phone center and through social media to no avail. For the first three weeks, the phone center just said the office was closed and then hung up on me. Frustrated at this point as I've had to rearrange all my automatic payments that used this card.
Product: Mortgage

We received a pre approval letter with Ameris Bank in XX/XX/XXXX for a loan amount of XXXX to build a single family home and a pool on a lot in XXXX XXXX that we own outright. Our loan rep stated that the next step we needed to take was to obtain a signed builders contract and a signed pool contract which was needed to move forward. We did that and in order to obtain a builders contract, the builder wanted a 10 % downpayment which we gave. We waited for weeks for our loan rep to schedule a closing and in the meantime the builder began lot clearing and pouring of the home slab using the funds from our down payment. After submitting all types of documents that our loan rep requested we were then told out of the blue they made an oversight and missed something and could not fund our loan. We were then told in XXXX to wait until XX/XX/XXXX and they would have a program for us to be able to obtain a loan. In XXXX I reached back out and got several run arounds and was told due to our credit decrease they could not help us. The reason for the credit decrease was due to several credit pulls by Ameris that should have never happened and I explained that to my loan rep which she wanted proof which I provided all the inquires and after more run arounds was told they cant fund our loan. Ameris Bank openly admitted to making a oversight causing us to not get the loan and then requesting a signed builders contract knowing we would have to put money down to know they wouldnt fund us is very unprofessional. Now I have legal issues with the home builder and pool builder as we have signed contracts with them not to mention we now have to build our credit back up due to all the inquiries dinging our credit reports. Our loan rep stated in the first conversation that this loan request is a no brainer and would entertain this most certainly seeing we own the lot outright and will have instant equity.
Product: Credit card or prepaid card

( I will upload a PDF of this called " Breach of Contract '', in case this loses its formatting ) XXXX XXXX, XXXX of American Express is in violation of Breach of Contract with XXXX, XXXX to the principal XXXX XXXX for the following reason : XXXX, XXXX has accepted all titles, rights, interest, and equity owed to XXXX XXXX, and has provided both American Express Payments Processing Center and XXXX XXXX XXXX XXXX with a notarized Durable Power of Attorney to support the agents right to claim. 

XXXX, XXXX then instructed American Express Payments Processing Center to apply the principals balance to the principals account for each and every billing cycle for set-off. 

American Express Payments Center denied receiving tender of payment ; and later admitted to destroying tender of payment. XXXX, XXXX then informed XXXX XXXX , CFO about American Express Payments Processing Centers failure to perform, and instructed XXXX XXXXXXXX XXXX XXXX an additional two more times to apply the principals balance to the principals account.

XXXX XXXX has also instructed XXXX XXXX , XXXX  to respond in writing within 5 business days to either confirm instruction has been completed OR to provide the reason for not performing his fiduciary duties. 

XXXX XXXX, XXXX has neither performed his fiduciary duties nor provided an acceptable reason for non-performance. The principals account remains uncredited and has been inaccessible to both the principal and the agent for over 60 days. 

As per Federal Reserve Act Section 29 Civil Money Penalty, ( c ) XXXX XXXX XXXX XXXX, XXXX is liable to pay a daily penalty of up to 1 million dollars ( {>= $1,000,000} ) or 1 % of American Expresss assets ( whichever is less ) from the inception of violation because XXXX XXXX, XXXX has knowingly breached his fiduciary duties, and this pattern of misconduct has caused a substantial loss.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls undeXXXX XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$1000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX Last 4 of SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2022 I had signed up for autopay with M & T bank after receiving a popup urging me to do so. After doing so, the option to make a manual monthly payment had gone away, so I searched the page to make sure that my payment would still get drafted on time. I Received a letter from M & T about a month and a half later stating that my payments had not been made, and immediately made the payments. ( Including the incurred late fees ) By this time XXXX payments should have been automatically drafted. Today, XX/XX/2022 I reached out to M & T bank because I noticed that it had affected my XXXX XXXX severely. They had admitted that the Autopay was not working as it should have. I had let them know that my credit should not be affected by their faulty system. I had already payed the late fees, and had not asked to be reimbursed for them, just for my credit to be fixed. They stated that they had sent a uncertified letter stating the date that the autopay would take effect, and so they will not help me by fixing the credit reporting despite the fact that I had never received the letter in the mail, and even if I had, it still wouldn't change the fact that this was caused by a faulty system, However the banker I was speaking to stonewalled me and just continued stating that they were not going to help me. I have never been late on a payment for this or any of my other loans, and I feel like the only reason that they don't want to assist me with this is that they can not be bothered to clean up their own mess. This is the second time that I have gone through an issue like this. The last time They had dropped my insurance payments from my escrow without letting me know, which led to my homeowners policy being cancelled.