23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To Whom It May Concern : PCA never provided competent evidence that I have a legal obligation to pay them. 

Including but not limited to the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide verification or copy of any judgment if applicable ; Identify the original creditor Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent In addition their offices have reported invalidated information to the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company of the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Consequently, any negative information must be removed immediately pending validation! 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist.
Product: Money transfer, virtual currency, or money service

During the pandemic, I thought I was purchasing items from online companies, but I never received anything. They contacted me saying that my package was lost and to send money through Zelle. When I sent the money, I realized it was a scam, I quickly contacted Zelle, but they said they couldnt help me because I sent the payment. The payment was to XXXX XXXX for {$1000.00}
Product: Mortgage

Equifax Mortgage Services ( EMS ) made a hard inquiry on my credit report with Equifax , XXXX and XXXX. 
I did not authorized anyone employed by Equifax Mortgage Services to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Product: Debt collection

LVNV was sent an incident report that I completed and sent back to them. There were fraudulent charges on this account and the balances owed is due to fraud. The authorized user card were stolen in a breakin attempt back in XX/XX/2020. The authorized user filed a police report and I was instructed to file a FTC report. You all now have the incident report and the FTC identity theft report. Immediate removal of all credit reporting is required not only by me but that is federal law. I am requesting the CFPB to monitor this complaint as LVNV has become a rogue debt collection agency that doesnt honor valid and active federal affidavits.
Product: Checking or savings account

On XXXX XXXX made a mobile deposit {$6900.00} of my government payroll check into checking account. I had access to funds on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX the bank put a hold on my deposit til XX/XX/XXXX without notice. All my bills I had scheduled to pay was returned. I was accrued fees from the bank and fees from my creditors. My creditors charged me late fees and notified the credit bureaus of late payments because my payments was returned by the bank.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I disputed {$3600.00} for a larger charge to XXXX XXXX on my Citibank Visa account. A letter stating reasons why I was overcharged were provided to Citibank customer service on XXXX XXXX. A request for details of the amount were requested and within a day a complete breakdown of the overcharges were given. On XXXX XXXX, 2017 and over 90 days and over three billing periods later the bank decided to charge back the {$3600.00} previously credited. My issue is that the bank exceeded the time allowed to resolve my billing dispute in accordance with FTC requirements. I am asking for the return of the charge as the bank did not fulfill its statutory obligation.
Product: Credit card

XXXX  OLD NAVY CREDIT CARD THROUGH SYNCHRONY BANK IS BLOCKING ME FROM PAYING MY BILL ONLINE. I HAVE BEEN ASSESSED FEES. IS THIS LEGAL?  I CANT PAY MY BILL AND VIEW MY STATEMENT.
Product: Debt collection

XXXX continues to report account is a open/revolving account. This account should be reported as a collection account. They are reporting a past due amount when a collection account can not have a past due amount because we never agreed to any terms. XXXX is reporting that they are a creditor when they are not.
Product: Credit card or prepaid card

I am including this website link to be included in my complaint against American express to substantiate my complaint claim. 

https : XXXX American express without my authorization and against my instructions charged me for an annual fee of {$690.00} after blocking my card use for several months fraudulently lying to me and harassing me ruining my credit score by XXXX points plus by excessive credit inquiries on me that other cardholders are not subject too especially their millionaire and billionaire cardholders. It is discrimination American express subjected myself a 100 % service connected XXXX Veteran to this double standard without my authorization and with interest charged me fees after fraudulent without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several attempts to resolve this matter with Experian XXXX by calling and sending certified letters. What more else can be done but to report to Congress, Attorney General Office, FTC my voice will be heard.
Product: Checking or savings account

Well I 've been a victim of robbery I tried reporting it to chase bank and the said that I need it to be sure and they keeps charging from my account and know I dnt have money and chase does t want to help all they say was well your account is close and yourve no longer making business with us
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information on my TransUnion credit report, as per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted TransUnion regarding the following discrepancies on my credit report. To date, I have not received a response from TransUnion. 

The following are the details of the erroneous information and the required corrections : The account labeled " CXXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$88.00} ) was never late. I request the removal of the late payment designation for this account. 


The account labeled " XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$340.00} ) was never late. I kindly request that TransUnion correct/update this inaccurate information on my credit report.
Product: Mortgage

I had a mortgage with Ocwen and filed a chapter XXXX bankruptcy in 2012 and it was discharged. However, Ocwen is still reporting the account negatively after the bankruptcy and it is affecting my credit negatively which is against the bankruptcy laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you.

These discrepancies are honestly impacting my life. I never authorized these, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well violation to my privacy. I am requesting your credit bureau to initiate an investigation to determine the responsible parties. I respectfully request a copy of any documents and an updated copy of my credit report according to 15 U.S.C.Sec.1681i ( a )? there should be no charge. 

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 Thank you for your time and help in this matter. 
Thanks
Product: Debt collection

BBVA Compass Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

General Revenue Corporation is collecting a debt from XXXX XXXX University which I attended college there. I dropped the class already and did not attend the class ; however, the company is still trying to set me up on collecting the debt!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts " XXXX, XXXX XXXX, and XXXX, '' has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I have a Citibank MasterCard. I made a payment on XXXX of {$9300.00}. As of that date my balance was {$9200.00} so I overpaid. I received my statement this month and I will still charged {$99.00}. The explanation given to me by Citibank made no sense why I was charged interest. Based on their rational the statement was incorrect than because even though it said what my full balance was, paying that doesn't matter, I still was going to get charged interest which makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo charged me {$350.00} interest on a {$600.00} balance. 

I talk with their Representative and a Supervisor and the Supervisor stated that she would only deduct {$82.00} from the {$350.00} if I pay the whole amount off now which would be {$870.00} today. 

How can they charge that kind of interest on {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts  has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

( Original Creditor : ) XXXX ; ( Original Creditor : ) XXXX ; ( Original Creditor : ) XXXX ; Chapter XXXX Bankruptcy ;
Product: Debt collection

XXXX, XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
Product: Consumer Loan

I purchased a used car ( Suzuki SX4 ) in XXXX of 2011. I was consistently making monthly payments of $ XXXX/month until XXXX of this year, when I decided to pay the rest off with money I took out of my IRA. I paid off this money to Chase Auto Finance. I have noticed that XXXX and XXXX show that I did in fact pay it off, but XXXX seems to still show that I owe about {$6300.00} on it. I would like to get this corrected, as I am concerned it will make it hard to purchase another car when the time comes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX XX/XX/2023 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Adverse Action Dispute - Unauthorized Use of Credit and Violation of 15 USC 1691 Dear Equifax Dispute Resolution, I am writing to formally dispute certain information present on my consumer report maintained by Equifax Information Services LLC. Pursuant to the provisions of 15 USC 1691 and other applicable laws, I believe my rights as a consumer and a natural person have been infringed upon due to unauthorized use of my credit, as evidenced by unauthorized inquiries on my consumer report. 

I have recently become aware of inquiries on my consumer report which I did not authorize or benefit from. These inquiries have led to the extension of credit and utilization of credit without my consent or involvement. As a result, I have not received any benefit from these credit extensions, and this unauthorized use constitutes a clear violation of my rights and privacy. 

Furthermore, I must bring to your attention that this unauthorized use of my credit, by way of identity theft, has significantly damaged my mode of living, my standing in commerce, and has caused severe mental anguish. Such actions not only infringe upon my rights as a consumer but also have far-reaching consequences that affect various aspects of my life. 

I am fully aware of the provisions outlined in 15 USC 1643, which address unauthorized use of credit and provide remedies to consumers in cases of identity theft. Moreover, I would like to emphasize that, as an original creditor, I am lawfully entitled to be granted credit and my creditworthiness should not be denied solely based on credit scores. This is underscored by the fact that an inquiry, as defined by federal law, constitutes a transaction for which I have not derived any benefit. This situation amounts to a clear instance of discrimination, as it disregards my open-ended credit plan as described under 15 USC 1602j . 

I expect Equifax, as a reputable credit reporting agency, to adhere to the highest standards of professionalism and compliance with federal laws. It is imperative that you investigate this matter thoroughly and promptly correct the inaccuracies present in my consumer report. I request that you take immediate action to remove the unauthorized inquiries and any associated negative information from my report, as well as take measures to prevent such unauthorized actions from occurring in the future. 

Please provide me with a written response detailing the steps you have taken to address my concerns and correct the inaccuracies in my consumer report. I look forward to a swift resolution of this matter. Your cooperation is expected in order to rectify the violations of my rights and restore the integrity of my credit profile. 

Thank you for your attention to this matter. I can be reached at XXXX or via email at XXXX if you require any further information or clarification. 

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

Online Information Services ( Online Collection ) are reporting a fraudulen collection on m credit. This account is NOT Mine, and I have no knlowdledge of it. Please remove this account from my credit
Product: Mortgage

My loan was transferred from XXXX XXXX to Gregory Funding. I was on a forbearance program last year. 
This year, I started to pay my monthly payment every month on time ; however, I was told that they were processing all payments manually. This process is causing a late fee every month due to the volume of customers they have in their books. 
This XXXX, I've received a Forbearance Agreement Trial for three months. Payments are high. After the three months, I have only one option, Loan Modification.

I do not want to extend my Loan or keep the high monthly payments. 
I thought the government stated that customers would be able to put the amount owed at the back of the Loan.

I have been in communication/conversation with Gregory Funding almost every month, dates documented. 
Please help. Assistance will be appreciated. 

Thank you!
Product: Debt collection

On XX/XX/2018 I sent a certified letter to Receivable Solutions advising them to cease and desist all attempts to collect this debt. In this letter I advised them not to contact me, or any third parties regarding this debt. This letter was delivered and signed on XX/XX/2018. 
On XX/XX/2018 I received a telephone voice message from Receivable Solutions in which I saved on my answering machine. They clearly disregarded my request to stop the telephone calls.
Product: Vehicle loan or lease

Car was repossessed in XX/XX/XXXX. Then sold for XXXX in like XXXX. And they want me to pay the remaining XXXX. The car was only worth XXXX. They got there money. It's credit acceptance. We agreed to pay XXXX for the car in the beginning then they changed the price to XXXX and we had to take it we needed a vehicle my wife was XXXX and we needed it. Now they want to sue me for the remaining balance.
Product: Credit card

Hello, I paid off my credit card balance in full per their statement only to get a bill for a fee. I was carying a balance and had been charged fees for carrying that balance, which was my motivation to get it paid off. I called Chase regarding this fee and they basically said to bad. I argued the fact that I paid the balance in full according to their statement and should not have to pay the fee as it was not on my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$850.00} XXXX  XXXX {$680.00} XXXX  XXXX {$130.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX XXXX {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Mr. Cooper/Nationstar Morgage company. After getting out of the Pandemic Forebaearnce program I have been up to date with my account and payments. It is in good standing and it has been in good standing more the majority of the mortgage 's lifetime. in 2015, there were late payments and delinquency reports on my credit from the company due to a modification process that has been cleared up back in XXXX. Since then I have never had a late payment or anything on my credit report. It was weird how after we got out of the forbearance and made the first payment there was a 100 points ( from low XXXX to low XXXX ) drop or negative impact on my credit report from the same delinquencies in 2015. I have reached out to the company and emailed them and they only state that they started an investigation but no one has communicated with me or I have not received any updates. I am in the middle of getting another mortgage so I need to fix this error.
Product: Mortgage

I made an ESCROW payment of {$1300.00} on XX/XX/2019 to Bank of America. Bank of America placed the payment of {$1300.00} towards the Mortgage amount INSTEAD of the ESCROW account. Now Bank of America is trying to raise my Mortgage Monthly payment to make up for THEIR discrepancy and error. They are practicing Predatory Loan processes and trying to make my Monthly Mortgage Payment to an unreasonable amount that would cause me to lose our home. Bank of America is a greedy bank with no soul and do not care if we lose our home. Bank of America has attempted this in the past with my daughter who was an XXXX Veteran and caused her to XXXX XXXX. Now after her death Bank of America resumes to practice their Predatory " lending '' practices with me, despite my daughter paid the ultimate price for our home she deeply wanted for her family that she worked so hard for. I pray that you can help our family keep our home. We have been paying Bank of America the every Monthly Mortgage Payment ( s )  since my daughter passed away. 
I want them to leave us alone and quite trying to take our home away despite the fact that they're getting paid on a timely basis. When our equity gets at a high point they charge us phenomenal fees in order to make us get behind and they have succeeded in the past with my daughter. I want them to be honest in honor of my daughter and place the payments they have received in their correct accounts and quit making up more made up fees in order to keep us from catching up on our mortgage in order for them to take away our home. 
XX/XX/2019 I spoke with Bank of America Customer Service personnel by the name of " XXXX ''. He stated they have approved my request to put back the escrow payment I made XX/XX/2019 of {$1300.00} into my escrow account. XXXX also informed me that there was another amount of {$1400.00} that was also deposited into my escrow account recently from mortgage payments. With the {$1300.00} + $ XXXX= {$2700.00} TOTAL was deposited back into my escrow account. XXXX then preceded to tell me that my monthly mortgage payment would still be increased from {$870.00} to {$1000.00} despite the original requested payment of {$1900.00} was paid in full and then some. I truly believe Bank of America has been doing this all along and has purposely caused my deceased daughter 's escrow and/or mortgage payments to continually rise to a point she XXXX XXXX. My daughter was an XXXX Veteran and had many XXXX  ( XXXX ) issues along with medical issues due to her XXXX in XXXX XXXX. I refuse to allow Bank of America to proceed practicing their predatory loan practices after what they contributed to my deceased daughter 's XXXX. Please help our family keep our home my daughter fought so hard for. Thank you. 
Mother of XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX