23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION AND CEASE AND DESIST AMEX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dear AMEX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

Previous complaint filed against this company. Received new email from different email address today for same debt not ours. Refer to oiginal complaint # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXXXXXX? XXXX XXXX XXXX XXXX XXXX please update to XXXX  balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months ) XXXX & XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to dispute several unauthorized credit inquiries appearing on my credit report. These inquiries were made without my consent, in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

I had a conversation with the dealership and made it explicitly clear that I only wanted my credit application to be submitted to one bank. Despite their attempts to convince me that submitting it to multiple lenders would improve my chances of approval, I firmly declined, emphasizing my concern about accumulating multiple hard inquiries on my credit report. However, they disregarded my instructions and submitted my information to several lenders without my explicit authorization. 
I later reached out to the dealership for an explanation, but they were unable to provide a satisfactory response. Furthermore, they made no effort to address or rectify the issue, leaving me deeply disappointed with their handling of this matter. This violates FCRA requirements. The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> These inquiries were unauthorized and must be removed. Under 15 U.S.C. 1681i, I request an immediate investigation, verification, and resolution within the legally required 30-day period. Please confirm the removal of these inquiries or provide documentation demonstrating my explicit consent. Failure to address this matter adequately may result in legal a
ction under 15 U.S.C. 1681n and 1681o for noncompliance with the FCRA.

Thank you for your prompt attention.
Product: Credit card or prepaid card

On XXXX XX/XX/2023 I submitted a payment to Bank of America for payment to my credit card. My credit card account send me an alert & said payment was due & I forgot about sending the 1st payment & I subsequently submitted another payment on XXXX XX/XX/2023. On XXXX XXXX I received another alert & sent a 3rd payment ; but was able to cancel this payment & the called the bank to see if I could cancel one of the other payments. The CS representative told me that both payments processed & that i would not be able to cancel or return the payment to my account until after it posted. On XXXX XX/XX/2023, I received two notices from BOA saying that both payments failed & that I was late. I reviewed my account & previously transferred funds on XXXX XXXX to cover these payments. Upon calling BOA the CS representative stated that there was insufficient funds in my account to cover the payments & as I look at the account this is not the case. I already transferred money to the account. 

here are my concerns : 1. Previously, I had only been late once on a credit card payment & it was for less than 5 days & BOA reduced my credit line 2. if BOA used the credit technology, I would have not received multiple " Alerts '' telling me that my credit card payment was due & I wouldn't have made multiple payments 3. in an effort to charge customers late fees or reduce their credit line I suspect BOA is playing with their algorithms and picking and choosing which payments will be held & which will be paid & at what time 4. BOA has proven to reduce credit lines not based upon any standardly acceptable format, but rather periodic reviews by humans who apply non existent standards & reduce lines of credit based upon assumptions 5. the two failed payment notices ( which previously showed posted ) took longer than industry standard & did not take into account that money could have been transferred from other BOA account to cover these insufficiencies, had alerts & notices been timely
Product: Mortgage

I have 2 property tax exemptions. One is a Veteran 's and the other is a Homestead. Upon review of our escrow and per conversations with customer service they insist there is only a partial homestead exemption and are disregarding the Veteran 's exemption awarded in XXXX. 

The mortgage payment has increased astronomically and the company is no longer responding to me to have the situation rectified. Despite having the property tax bill that clearly shows both exemptions they have not fixed the mortgage payment and I can not reach a live person. 

I have left voicemails, sent multiple emails and requested a supervisor callback via chat to no avail.
Product: Debt collection

I have been getting contacted by an agency called " GC '' Services and they will not tell me why they are calling me. I am not past due on any accounts that are owed and will not provide me with any information.
Product: Debt collection

Dear XXXX XXXX XXXX Bank of America I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or ab
use in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit card or prepaid card

****ATTENTION! DO NOT DELETE THIS COMPLAINT. THIS IS FROM ME THE CONSUMER XXXX XXXX. THIS IS NOT AN ATTORNEY OR A THIRD PARTY. THANK YOU. ***** INDIGO PLATINUM MASTERCARDXXXX INDIGO XXXX XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX INDIGO PLATINUM MASTERCARD/XXXX INDIGO is preventing me from using my credit card, and is reporting late payments on my XXXX, XXXX, XXXX credit reports and credit file. REMOVE THIS NOW and ONLY REPORT POSITIVE REMARKS! This is a federal violation of 15 usc 1681b ( a ) ( 2 ) I never gave INDIGO PLATINUM MASTERCARDXXXX INDIGO written permission to report anything on my credit report. This is also a federal violation of Truth In Lending Regulation Z 12 C.F.R. 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 

Pay the positive balance to I, the consumer, pursuant to 15 USC 1666d. ( Pub. L. 90321, title I, 165, as added Pub. L. 93495, title III, 306, Oct. 28, 1974, 88 Stat. 1514 ; amended Pub. L. 96221, title VI, 621 ( a ), Mar. 31, 1980, 94 Stat. 184. ) In accordance with I, the consumers directions, pay all payments I sent to you, pursuant to 15 USC 1692h. ( Pub. L. 90321, title VIII, 810, as added Pub. L. 95109, XXXX XXXX, XXXX, 91 Stat. 880. ) INDIGO PLATINUM MASTERCARD/XXXX INDIGO never provided me with meaningful disclosure of the informed use of credit according to 15 USC 1601 ( a ).

According to Truth In Lending Regulation Z 12 C.F.R. 226.2 ( ii ) This is supposed to be an open end credit card plan account. XXXX INDIGO has been mailing me false and misleading bill statements, coercing me to pay this alleged debt. 

Based on Truth In lending 15 USC 1666, because of the finance charge, I should not have any late payments on this credit card account. 

XXXX out the balance on this account. 

Keep my credit line account open. Closing my account would be a violation of 15 USC 1691 ( a ). 


PAY ME {$5000.00} FOR DAMAGES AND GIVE ME AN OPEN END CREDIT CARD PURSUANT TO Truth In Lending Regulation Z 12 C.F.R. 226.2 ( ii ) WITHIN 30 DAYS. I RESERVE THE FEDERAL RIGHTS TO FILE SUIT.
Product: Credit reporting or other personal consumer reports

XXXX Account open : XX/XX/XXXX Account type : Revolving Monthly Payment : {$0.00} Closed : No Current payment status : 12 plus days late XXXX Late : XXXX, XXXX, XXXX, and XXXX Negative marks ( XXXX ) Charge-Off CapitalOne Account open : XX/XX/XXXX Account type : Revolving Monthly Payment : {$0.00} Closed : Yes Current payment status : 12 plus days late XXXX Late : XXXX, XXXX, XXXX, and XXXX XXXX Bank Account open : XX/XX/XXXX Account type : Revolving Monthly Payment : {$0.00} Closed : Yes Current payment status : 90 plus days late XXXX Late : XXXX, XXXX, and XXXX I have no knowledge of the inquires listed below. 

Inquiries : XXXX  XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

My husband recently became very XXXX and was XXXX until death. During this time, our family members took over control of our finances and misappropriated our funds in our bank accounts. I was unaware of this until today, when looking at my credit report to see what was not paid. I have filed fraud charges and filed a report for elderly abuse. No one will help me. My husband is dead and I am trying to pick up the pieces.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXBalance Owed : {$60.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX  XXXXBalance Owed : {$7500.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXXBalance Owed : {$60.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX  XXXXBalance Owed : {$7500.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian that I am a victim of identity theft, the account U S DEPT OF ED/XXXX is reporting on my credit report but it does not belong to me. I have nothing to do with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began my journey to repair my credit. I found an account from Acima. I was unfamiliar with the company and had not used there services. I had no signed contracts or information from said company. Instead of a drawn out process of filing fraud and going to file police reports for an account from 2018, thinking I would get faster results I opted to pay a settlement amount to Acima to have account updated on my credit report. The full settlement agreement payment was made and there was no update. The account is still showing as a closed account with an outstanding balance due which is higher than the actual said original debt on my report. It is incorrect. I would like to challenge that the information on my credit report is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Equifax for failing to remove an inaccurate bankruptcy entry from my credit report, despite my dispute submitted on XX/XX/year>. This dispute included supporting evidence from the United States Bankruptcy XXXX XXXX XXXX XXXX Wisconsin confirming that the court does not report bankruptcy filings to credit reporting agencies. 

On XX/XX/year>, I sent Equifax a written dispute requesting the removal of a bankruptcy entry from my credit report. Along with my dispute, I provided a letter from the United States Bankruptcy XXXX XXXX XXXX of Wisconsin. This letter confirms that the court does not report bankruptcy filings to Equifax or any other credit bureaus. 

Equifax has not removed the bankruptcy entry, nor have they provided documentation verifying its accuracy or legitimacy. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate disputes thoroughly and ensure the information on my credit report is accurate and verifiable. 

The bankruptcy entry on my Equifax credit report is inaccurate and unverifiable. XXXX failure to investigate properly and verify the information violates my rights under the FCRA and is causing ongoing harm to my creditworthiness. 

I request the XXXX intervention to ensure that Equifax : XXXX my dispute and verifies the bankruptcy entry directly with the United States Bankruptcy XXXX XXXX XXXX of Wisconsin. 
Removes the bankruptcy entry if it can not be validated with court-certified documentation. 
Provides written confirmation of the resolution and sends me an updated copy of my Equifax credit report. 

I have included : A copy of my original dispute to Equifax dated XX/XX/year>. 
Confirmation from the United States Bankruptcy XXXX XXXX XXXX XXXX Wisconsin stating that it does not report bankruptcies to credit bureaus. 
A copy of my Equifax credit report showing the inaccurate bankruptcy entry. 

This inaccurate bankruptcy reporting by Equifax is damaging my credit profile and creating unnecessary financial difficulties. Equifax must comply with the FCRA by ensuring the accuracy and verifiability of all reported information. 

Thank you for your attention to this matter. I trust that the CFPB will ensure Equifax fulfills its legal obligations and corrects this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I reported a valid fraudulent charge claim to SunTrust Bank on XXXX immediately after being notified about charges and declined a {$12000.00} charge by text alert. 

I reported the 3 charges totaling {$7500.00} that were completed, but the claim was denied to unexplained inconsistencies ( despite supplying a police report. 

The XXXX XXXX sheriffs office told me that SunTrust also rejected paying the merchant due to dial g to verify ID, effectively stealing {$7500.00} from me. 

I was given a rebuttal form and told that the remedy could take 45 days. This is absolutely unacceptable.
Product: Credit card or prepaid card

THIS IS NOT A DUPLICATE COMPLAINT! 


This is a complaint to AMEX. I recently reached out to AMEX demanding that they show proper documentation proving why the billing error with AMEX. What is a billing error? 
According to the LAW, A billing error is a reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. Documentary evidence ACCORDING TO THE LAW is defined as all documents, papers, correspondence, books of account, and financial and corporate records. AMEX HAS FAILED TO PROVIDE ME WITH THIS! Statements are not enough. Billing statements created are considered fraudulent documentation. Furthermore, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose which AMEX is continuing to do! Failing to provide proper documentation as to why this billing error was made in the first place should result in automatic deletion. AGAIN, Billing statements and/or written letters are not proof of a billing error. These are considered fraudulent documents that are created which are further putting AMEX into a racketeering case! I am demanding that the following accounts are blocked, removed, and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : DEPT OF ED/XXXX XXXX charge off account DEPT OF ED/XXXX XXXX charge off account XXXXXXXX XXXX XXXX  XXXX late payment account XXXX XXXX late payment XXXX  XXXX XXXX XXXX charge off account I do not believe that these items are accurate and I am requesting that they be removed from my credit report.

Regarding the charge off accounts from DEPT OF ED/XXXX, I have been making regular payments on my student loans and I do not believe that I have missed any payments. I would appreciate it if you could review my account and correct any errors that may have been made. 

As for the late payment accounts from XXXX XXXX XXXX  and XXXX, I do not recall missing any payments and would like to see any evidence that shows otherwise. 

Lastly, I am disputing the charge off account from XXXX XXXX XXXX as I have never had a loan or any type of credit with this company. 

I request that you investigate these disputed items and provide me with a written response detailing your findings. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

This complain is regarding Apple Card with Goldman Sachs. I have opened the card in XXXX. I have been using and paying for it for 2 years without any issue. In XXXX XXXX XXXX, my husband had suffered a XXXX XXXX XXXX which temporary reduced our income source and I found myself to be 1 month past due. I called the customer service and asked for a temporary relief. I was 1 payment behind. The lady on the phone told me that she would put me on the payment plan to help me with the past due. My account should not have been closed. I told her that I could make my first payment in XXXX. The payment arrangement was supposed to be ONLY for the past due. I made a payment in XXXX, XXXX, XXXX, XXXX but my account was still showing as past due and being reported as past due. I called them because I wanted to see how much longer I would need to pay. NO ONE could me a definite answer. They only kept on saying : you MIGHT BE, YOU PROBABLY CAN, YOU SHOULD BE ABLE TO. But this is not what you expect from the financial institution especially when it comes to money.Since XXXX, I DID NOT see the written version of my payment arrangement. First I was told that I need to pay the past due to be able to use my card. I did. My card is blocked still. Then I was told that I need to pay {$700.00}. But when I asked, if I pay {$700.00}, will I be able to use my card? No one knows that. Then another rep. told me that I need to pay all {$6000.00} balance BEFORE my card can be unlocked BUT my payment arrangement is ONLY for {$700.00}. Nothing makes sense. The representatives don't have any knowledge. They only read the script. I am waiting for my writen arrangement since XXXX. Someone needs to investigate what is going on.
Product: Payday loan, title loan, or personal loan

My husband and I got a pay day loan cant afford to pay on it and they call me minute after minute with different numbers and in known numbers from XXXX XXXX through out the day even in XXXX First American loans XXXX Ohio Under XXXX
Product: Credit card or prepaid card

Made several in-app game purchases using the credit card. Learned recently that the game was hacked also noticed several duplicate charges on my credit card. Reached out to the game provider and app store and they did not refund me. Requested credit card to dispute all such transactions. They disputed only a fraction of transactions up until XX/XX/2019, whereas the Transactions and duplicate charges go way back to XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.