23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

About a year ago I tried to get service with XXXX XXXX internet. When they came out and installed the service, I have to pay an {$200.00} install fee and get a box installed outside for their network card XXXX {$320.00} ). The internet did not work in my house, they sent out technicians on 2 seperate occassions trying to get the service to work but it didn't. I called to make sure they disconnected the service as I could not use it. I didn't receive my install fee back and now I have a box installed on the side of my house that I lost money on also. Everything was supposed to been taken care of with no worries. Then last week I get a collection for {$460.00} put on my credit report damaging my credit and also putting me at risk of losing my purchase of a house in the upcoming month. I do not owe them anything, i've called them on several occassions before this got on my credit report and was assured it would be taken care of. I talked to someone XX/XX/2020 saying that now they would take it off my credit report withing 3 business days and were we are 10 business days later. Companies are good at messing up but not correcting their mistakes ... and definitely not in a timely manner. I'm looking to get this fixed by any means necessary. If I lose out on my home purchase due to this collection that I shouldn't have on my report. I am getting a lawyer and suing for defamation of character. I am so tired of companies doing what they want to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY RIGHTS ARE BEING VIOLATED!!!!!! 

Now Im being discriminated against because I am in good faith exercising my rights given to me as a consumer. This is unfair and unlawful. Below are all the violations not including actual damages ECOA ( 15 USC 1691a ) 15USC 1662 15USC 1605a FCRA 605c 12 CFR 226.15 18 USC 894 ( b ) Notice of right to rescind. In any transaction or occurrence subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ).
Product: Money transfers

Wells Fargo on direct deposit advances they stopped such transactions and can charge one with a XXXX fee it could be more if one ca n't add funds to ones account!
Product: Credit card or prepaid card

I have 0 % interest balance transfers and I made a purchase so I was being charged interest on that purchase. I paid my minimum payment plus more than the purchase but Wells Fargo applied the entire payment to my 0 % balances. The manager read me the formula that Wells Fargo uses. The manager said the reason the purchase balance wasn't paid off was because it was in the same billing cycle. My understanding of the Card Act is that there isn't an exception for that. Is there?
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

n 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 u.s.c. 1681.. Account Name... .. XXXX XXXX XXXX Account # XXXX .... XXXX XXXX XXXXXXXX ( bank ) ... . XXXX .... Account Name... XXXX .... Account name... XXXX XXXXXXXX ... XXXX XXXX XXXX ... Account Name ... XXXX XXXX Account name.. XXXX XXXXXXXX XXXX XXXX XXXX. Account Name ... XXXX  ... Account Name ... XXXX XXXXXXXX XXXX  .. 15 u.s.c 1681 section 602A. 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 ... 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 of information, other than records of convictions of crimes which antedates the report by more than seven years.. 15 u.s.c. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXXXXXX ( mo ) XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist. ( please remove these accounts before I seek litigation for defamation of character. ). XXXX XXXX XXXX balance {$9500.00}, XXXXXXXX XXXX BALANCE {$1900.00}, XXXX XXXX XXXX BALANCE {$700.00}, XXXX XXXX XXXX BALANCE {$1400.00}, XXXX XXXX XXXX BALANCE {$830.00}, XXXX XXXX BALANCE {$440.00}, XXXX XXXX XXXX BALANCE {$420.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have emailed the department or educationXXXX and also filed disputes with all 3 credit bureau XXXX My student loan has been in deferred for years now. How can they report ok XXXX and XX/XX/2019 then all of a sudden report 90day late XX/XX/2019. I was not 90 days late I was deferred but also you can not jump to 90 and skip 30 or 60 day. This is incorrect reporting and needs to be deleted or updated to never late
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting beyond the 7 year FCRA rules from the first day of delinquency. The first day of delinquency dates back in  XXXX  of   XXXX  . This account is obsolete and should no longer be reporting on my credit file. I have requested this item to be removed. This account was opened  XXXX .
Product: Bank account or service

I opened an account, on XX/XX/XXXX. There were checks ordered, for the account. I should have been billed, for the product, in the first few days, like, by XX/XX/XXXX. The company creating the checks, did n't bill me until XX/XX/XXXX. They did so by check. I never wrote a check. Also, apparently, they have the practice of waiting to bill the customer, until they have produced the checks ( which I claim, is a faulty billing process ). That 's XXXX XXXX. The bank is Bank of Hawaii. The bank charged me XXXX, for the first bounced check, a billing I did n't receive, until 14 days after ordering ; which, itself, is not good practice ; I expect to be billed, when I received the order. I never received any billing statement, or notice of actual cost of the check book, because the account-opening portion of the application ( boh application, ipad ) never stated how much I owed. 

The XXXX XXXX company, bounced XXXX check, for {$13.00}, three times, in the account. They only did that, I assume, because of some protected relationship with Bank of Hawaii. I assume, that an ordinary organization, can not thrice bounce, XXXX check, in an account. So. That leads to the question, why the long billing cycle, instead of a timely one. So. The thrice bounced checks are the fault of the Bank of Hawaii, because of permissions, granted by them, to XXXX of their contracted affiliates. So. I 'm willing to pay XXXX fee of {$26.00}, but not XXXX. The manager comes back with - via the car sales teller, apparently - that he 's willing to remove XXXX overdraft fee, ( so its ok, for a company to double bounce unwritten checks, instead of cancelling an unpaid-for order ). 

In addition, there were {$10.00} per week XXXX balance fees. I get paid once per month, on the first. At the time of XX/XX/XXXX, I was willing to pay {$26.00}, only. But the charge at that time was like {$90.00}. I had my ipad stolen, at the same time, and my debit cards were stolen. I was unable to access my bank account, at the time, to sort out the charges. I would have paid the {$26.00}, but not the {$90.00}. I am requesting to pay nothing more, than the ( XXXX ) bounced check fee, ( ~? ) {$13.00}, for the cost of the checks, and any XXXX $ balance fees that happened, before XX/XX/XXXX. 

In other words. The additional XXXX overdraft fees, are the fault of Bank of Hawaii, and were not authorized by me ; and, I deserve time, to be able to talk about it. 

Thank you.
Product: Debt collection

Received a letter in the mail for Collections on a checking account. Debt to be collected was valid, however they are impersonating another collections agency. Capital Management Services is the correct agency, scammers also say they are Capital Management Services. They even have the same address. Contacted my bank for the valid collections company phone number. When I spoke to the correct collectors I asked plenty of questions to verify the letter I received was not directly from them. The website listed on the letter is XXXX  When I went to this page it stood out immediately as fraudulent. Capital Management actual website for collection payments is XXXX. It looks much more legitimate. Phone numbers were different between the two as well. The letter stated XXXX, Capital Managements actual number is XXXX. The letter also used a similar logo, but not the exact same as the actual Capital Management Logo. I believe that most people will try and pay online or over the phone, so it would be easy for these scammers to take payments. They also have access to personal information somehow to make it somewhat believable. If I hadn't questioned the validity of either, I may have not paid the right collector and lost almost {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you already know, Equifax was part of a credit breach of millions of Americans. My whole family was affected. It costs {$7.00} to put a freeze on our credit. That amounts to almost {$70.00} to freeze credit for our household. They told me I had to contact my attorney general in my state about this. I think Tennessee should be wavering this dollar amount because so many Tennesseans are affected.
Product: Credit reporting or other personal consumer reports

XXXX contends this respondent is in possession of adverse information on survivor 's credit profile. XXXX did not give permission for his data to be sold. 1022.142 Prohibition On Inclusion Of Adverse Information In Consumer Reporting In Cases Of Human Trafficking As discussed below under 1022.142 ( c ) of the final rule, the Bureau is not adopting any exceptions to the requirement that consumer reporting agencies block adverse information that resulted from trafficking. 
- [ ] As explained in the section-by-section analysis of 1022.142 ( f ) below, the final rule requires a consumer reporting agency to provide written or electronic notice to the consumer within five days of reaching a final determination on a submission. The Bureau is implementing a multi- step process that a consumer reporting agency must follow when it receives a submission under 1022.142 ( d ) ( 1 ). First, 1022.142 ( e ) ( 1 ) provides that a consumer reporting agency has XXXX business days from receipt of the consumers submission to block items of adverse information identified by the consumer or their representative from appearing in a consumer report. 
- [ ] As discussed below under 1022.142 ( c ) of the final rule, the Bureau is not adopting any exceptions to the requirement that consumer reporting agencies block adverse information that resulted from trafficking. 



- [ ] The recruitment, harboring, transportation, provision, or obtaining of a person for labor or services, through the use of force, fraud, or coercion for the purpose of subjection to involuntary servitude, peonage, debt bondage, or slavery.

- [ ] State governmental entity. The Bureau proposed treating documentation of a determination that a consumer is a victim of trafficking by a State governmental entity as including documentation CBbj created at either the State or local level. The Bureau noted that local law enforcement, as part of a local government, may have documentation of a determination identifying victims of trafficking, including, but not limited to, items in a police report.
Product: Mortgage

On XXXX XXXX 2015 we closed on the sale of our house and Bank of America received the payoff on XXXX XXXX, 2015. At that time we had an escrow balance due of {$3800.00} +-. We have not received that payment and after XXXX phone calls to their customer service line we can still not get information on when we will be reimbursed. We have spoken to XXXX XXXX who assured we would receive our payment via usps by XXXX/XXXX/2015 and she would follow up with a call that day. She never called. Again we spoke to another representative, XXXX XXXX who said he would call us by XXXX/XXXX/2015. We have not heard from him either. It should be noted we were told the week of XXXX/XXXX/2015 the check was being sent XXXX and should have it XXXX/XXXX/2015. In none of these cases were we given a tracking number even though we asked. Note also that on the attached documents the escrow report shows a deduct from our account, we have not received that money.
Product: Credit reporting or other personal consumer reports

I requested the creditor to send me bank transactions record that I was ever late on this account. This account payment status is 30 days late as of XXXX Even though the account has been paid. The creditor and the Bureau failed to do a proper investigation because the comment section has not been updated since XXXX. The creditor never updated that the account was in dispute. I have sent over three letters to the creditor. The creditor has reported to experian that this account meets FCRA Requirements but they have multiple violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is to bring to your attention some serious concerns regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 in relation to the accuracy of consumer reporting and the handling of personal information. I have discovered numerous inaccuracies and discrepancies. According to the FCRA, consumer reporting agencies such as XXXX are obligated to provide accurate and up-to-date information to consumers. My credit report includes several entries that are factually incorrect or outdated ( see attached for inaccuracies ). I urge XXXX to conduct a thorough investigation into the accuracy of the information included in my credit report and take immediate steps to rectify any errors. I expect XXXX to comply with the FCRA provisions by promptly correcting any inaccuracies and providing me with an updated, accurate credit report. Additionally, I have identified another violation pertaining to the Privacy Act of 1974. Personal information, including addresses, is a crucial aspect of consumer reports. However, I have noticed that my credit report contains non-mailable addresses, which are invalid and irrelevant. The inclusion of such addresses not only compromises the integrity of my credit report but also raises concerns regarding the security and privacy of my personal information. 

I demand that XXXX takes immediate action to rectify this violation by removing the non-mailable addresses from my credit report and ensuring that future reports do not contain any irrelevant or invalid information that XXXX compromise my privacy. I request that XXXX provides me with written confirmation of the steps taken to address these violations within 15 days of receiving this complaint. It is imperative that XXXX upholds its responsibilities under the FCRA and the Privacy Act of 1974 to protect consumers ' rights and privacy.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX - XXXX, XXXX  - XXXX, XXXX XXXX - XXXX, XXXX  - XXXX, XXXX XXXX  XXXX - XXXX, XXXX XXXX  - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have spent hours on the phone over multiple days attempting to get assistance from XXXX and EdFinancial regarding our Parent Plus Loans. I received very bad advice from EdFinancial regarding a loan consolidation for XXXX of our student 's group of loans. Following consolidation, the loans went from a monthly payment of {$750.00} a month to a new payment of over {$1600.00} per month. This payment is not affordable for our student. We want to make our payment and make it on time, however, due to bad advice on consolidation the payment has more than doubled and we can not afford it. 

I spoke with XXXX, a supervisor, at XXXX on XX/XX/XXXX and re-explained our situation to him. I was told to call EdFinancial again, that they were " obligated '' to change my payment. I spoke with XXXX, at EdFinancial, on XX/XX/XXXX, and she refused to offer assitance and acknowledge that we were given bad advice. I asked to speak with a supervisor, and XXXX would not transfer me. She placed me on a list with no date or time that I can expect return phone call from EdFinancial. 

I have bounced back and forth between these XXXX entities since XXXX, with each pointing to the other for responsibility to modify this payment. This has been an incredibly terrible customer experience for a borrower looking to repay our student loans in a timely manner. I am very concerned for the impact this will have on our credit scores moving forward.
Product: Checking or savings account

I physically deposited first paycheck from a new employer into a Chase drive-thru ATM in XXXX, CO on Tuesday, XX/XX/2021. The ATM printed a receipt stating that 100 % of my funds would be available after a 2 day hold, on Thursday XX/XX/2021. However, the hold is still active and I do not have access to my funds, and I'm getting service interruption notifications on various accounts ( home utilities, cell phone, etc ).
Product: Debt collection

I called Fidelity crd several times stating that the time they are charging me for I was no longer a resident in this area they reported I left without notifying the landlord that's wasn't true I return key and remove myself from property because my lease was up and I never agreed to another lease agreement for the year and months she is reporting me for .Me and my children was living in a XXXX XXXX XXXX at XXXX XXXX XXXX at the dates she is referring to I have text messages saying I paid her what I owe for the month of XXXX, XXXX, and XXXX and then we removed ourself from property
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00}
Product: Credit reporting

I disputed information on an auto loan that was inaccurate from XXXX XXXX and Equifax told me the creditor updated the information and it is still the same on the report. I told them to send me proof that they verified the information was correct because the date was not updated and i didnt get a response from them at all. Also there are inquires from XXXX XXXX to XXXX XXXX that i did not authorize and new addresses kept popping up on my report that i was not associated with. They removed the addresses but not the inquiries. Also the collection item XXXX is listed in the account area like its still open and the collection agency has the account. Both were disputed because of the duplicate information listed. The other collection agencies would not send me the information i requested and told me to dispute it with equifax and they would remove them and they never did.
Product: Credit reporting or other personal consumer reports

as shown on my credit report an i noticed a unauthorized inquire has been made with out my consent at SYNCB/Sams Club , inquired on the date of XX/XX/year> i wish to have this inquire removed. According to FCRA any unauthorized inquires must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

After I made my monthly mortgage payment to Chase in the amount of {$1300.00}, due on XXXX XXXX, 2015, Chase sent me another bill, dated XXXX XXXX, 2015, stating the same amount is due on XXXX XXXX, 2015. I phoned on XXXX XXXX, 2015 and spoke with " XXXX '', who said, if I want a written explanation, I must first make a request in writing. Chase is attempting to obtain multiple payments by misrepresentation.