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

Commenity Bank I have for XXXX XXXX XXXX  and others. They were great then the virus hit. They mark on credit report late payments all year ( workforce was shut down ) so I began paying again. Asked the fix credit was turned down. I payed my XXXX XXXX off they turned around and closed it due to lack of use. HELLO no stores opened last year. Customer Service calls 3 times a day sometimes past XXXX ET for a payment. Just got off the phone with some guy telling me he wants to take me to court because I paid {$40.00} and not full amount Seriously this is totally harassing customers
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. 

I have inaccurate reporting on my credit reports, I asked credit bureau to verify invalid information. This a have disputed several time with Equifax and XXXX. Please delete hard inquires, collection of billing errors past due collection amount. Charge offs. There was was data breach my information was share with unknown companies. The credit bureau is not following Fair Act Credit Reporting There several violations under code.

15 U.S. code 1681b 15 Us code 16181 c-1 15 us code 1681 c2 15 us code 1666 Account ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is being reported on my credit score. The account does not belong to me. The bank of america confirmed that they do not have any account on my name or with my SSN. XXXX   and XXXX  keep reporting it on my credit without following the FCRA law that requires them to have a copy of the original documentation that proves this account belongs to me and have failed to provide validation or accurate verification with 30 days after my disputes were submitted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   
TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

RE: VERIFY LINKED ADDRESS  [XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX]

IT IS TO MY KNOWLEDGE THAT THESE CURRENT ACCOUNTS REPORTING ON MY TRANSUNION CREDIT REPORT IS ATTACHED TO AN ADDRESS THAT IS DELETED ON FILE ACCORDING TO TRANSUNIONS MOST CURRENT DISPUTE RESULTS. 
BOTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE ASSOCIATED AND ESTABLISHED WITH: XXXX XXXX XXXX XXXX XXXX XXXX
IN VIOLATION OF: 15 USC 1681e ---- 15 USC 1681S-2
 
                   ACCORDING TO TRANSUNION DISPUTE RESULTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX         ONLY ADDRESS REPORTING
XXXX XXXX XXXX XXXX XXXX XXXX          DELETED (NOT CURRENTLY REPORTING)
Product: Student loan

Never received call from Nel net. Also provided all necessary information in my initial complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company posted late payments on my account incorrectly. Some were made before XXXX on the weekend and they didn't post until the next business day. The company also did a credit check without my authorization. I already had an account with them and I was not seeking additional funds. I don't understand why they did a cred check. Some of the their customers service representatives are very rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I called to report that several unauthorized inquiries were listed on my credit report. After 3 phone calls with representatives that were heavily resistant to direct me to the fraud department and a total 120 minutes in waiting to reach someone they failed to assist me and remove these inquired after committing to help remove them. This is the opposite of XXXX who helped me remove the inquiries in less than 4 hours. Its been 10 hours since my first XXXX  call and nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Jefferson Capital System add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditors did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mine. According to the FCRA, Jefferson Capital System has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Hello. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Experian and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Debt collection

NCB MANAGMENT SERVICE ACT # XXXX BALANCE XXXX I AM REQUESTING THE VERIFCATION OF NEGATIVE ITEM, IN PURSUIT TO THE FAIR DEBT COLLECTION PRACTIES ACT, 15USC 1692 SEC.809 ( b ). YOU ARE REQUIRED UNDER THE ABOVE NAMED TITLED AND SECTION, TO SHOW YOUR LAWFUL AUTHORITY TO COLLECT ON AN ALLEGED DEBT CLAIM ; I AM REQUESTING THE FOLLOWING ITEMS : - THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR - A COPY OF THE ORIGINAL CONTRACT BETWEEN MYSELF AND THE ORIGINAL CREDITOR -THE ORIGINAL APPLICATION FOR THIS ACCOUNT WITH MY SIGNATURE - A COPY OF THE AGREEMENT AUTHORIZING YOURCOMPANY TO COLLECTED ON THEIR BEHALF OF THE ORIGINAL CREDITOR - FULL DETAILED ACCOUNTING HISTORY ON THE ACCOUNT AND CALCULATIONS ON HOW THEY REACHED THAT AMOUNT OWE - PROVIDE VERIFICATION ON ANY JUDGEMENTS CONNECTED TO THIS ACCOUNT - PROVIDE YOUR LICENSE TO COLLECT IN MY STATE AND YOUR REGISTER AGENT NAME WITH THEIR ADDRESS- PLEASE SHOW PROOF THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED IN MY STATE FOR THIS ACCOUNT -PROVIDE THE DATE OF THE LAST PAYMENT ON THIS ACCOUNT. 

PLEASE PROVIDE THE ANSWER TO THIS REQUEST IN WRITING WITHIN 15 DAYS OR I WILL BE FORCE TO TAKE LEGAL ACTIONS THANK YOU FOR YOUR COOPERATION XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in a debit settlement program with Clear One Advantage / XXXX XXXX XXXX. When agreeing to the program, they could settle two accounts for me for a monthly payment of {$580.00}. That was it. They do all the work. Sounds good to me, so I proceeded. After several months of monthly withdraws from my bank account, Clear One Advantage contacts me and said they a settlement on one of my accounts. In order to get the settlement I need to pay an additional {$310.00} a month for two years growing my monthly payment to {$900.00}. Definitely not what I signed up for but they are sure good at talking you into it. I then received an email from a settlement agent. I expressed my concerns of the added monthly payment and she state you do not need to pay that added monthly amount. I reiterated 5 times via email and said if I have to pay that extra amount I don't agree. She said you are good, no added money needed. 20 days later she calls and said I made a mistake. You do need to make that extra monthly payment. I said I don't agree and am not paying it. XX/XX/XXXX, there was the extra {$310.00} pulled from my bank. I emailed my displeasure, and asked to withdraw from the program and multiple requests of a full refund. They respond with I am owed {$10.00}. I paid thousands.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S. Code 1681a - Definitions ; rules of construction Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

In accordance with the Fair Credit Reporting act McCarthy, Burgess & Wolff, Internal reference number # XXXX, XXXX XXXX referred account # XXXX is attempting to violate 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: Mortgage

we took our loan out with royalUnited in XX/XX/XXXX. It all seemed a bit shady, It was a reverse loan, told they didn '' t check our credit, but they did, said i had to use the equity in my home to pay these two loans, and valued our home at {$120000.00} but the pay off was {$72000.00}, so they told us when it was over, the loan used up all of our equity, so all of these years they have added charges to the loan and it is now XXXX. also .the interest is XXXX a month. total activity this month is XXXX. Now XXXX has bought the loan, and we have never seen anyone and on this these things are listed as transactions- XX/XX/XXXX dis-procharge pre D7p appraisal XXXX -no one has ever reappraised this pro. also XX/XX/XXXX inspection XXXX XX/XX/XXXX disb .pro..chrg pre D & P-others-XXXX.taxes XXXX , and this XXXX .i sent to them but was returned and told to pay court house, court house sent back said it had been paid by mortgage comp . so that was their over site. total for transaction was {$860.00} .these charges where also added.interest XXXX, monthly int/MIP/PMI $  XXXXMONTHLY INT XXXX ALSO - {$540.00} -mip amount $ XXXX- {$130.00} {$37.00} {$130.00} prin- $ XXXX- interest {$2100.00} mip- XXXX.. The guy that helped us was XXXX XXXX from the start, said call if had questions, so a week or two after closing called when things seem wrong, but said they had to let him go.. so this is a night mare we will die regreating, we can never pay this mess off. and it help no paying a payment, but if we knew all this before we signed we would not done it. We where financed at a local bank and not behind so here at XXXX we own no home. they own us.
Product: Debt collection

I am a victim of Identity theft and breach of information. The information that appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and breach of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Focus Receivables LLC ACCT : # XXXX XXXX Acct : XXXX I am writing to dispute status on my XXXX Credit Report. I have placed several disputes with XXXX, and the CFPB and nothing has been update. The Account Status is incorrect, it should be listed as paid in full/ closed. The account history is incorrect. The payment {$1500.00} made on XX/XX/XXXX should have been marked as paid or ok on XX/XX/XXXX, and CLS closed on XX/XX/XXXX not XX/XX/XXXX, and thereafter should be marked NR No Data not CO -collwction. The Historical payment history does not reflect payment made on XX/XX/XXXX and still shows outstanding balance of {$1500.00}. So exactly what did you investigate before closing my dispute file # XXXX? Also on that dispute you were asked which is required by law to accurately and completely fill out your report by adding the payment amount and date close, which still hasnt been done. This to me constitutes fraud, and extortion and is in violation of Pub. L. No. 108-159, 117 Stat. 1952, codified to 15 U.S.C. 1681-1681x. Credit ReportFiles are to be accurate, and complete since information contained on this Trade Mark havent been  either, you have legally harmed me under law. Statement that Im seeking remedy under law is to be added to comments immediately. Previous complaint from the CFPB you chose to add theremark on one or two of the six Trade Marks reported why? I spoke to XXXX XXXX at Focus Receivables on XX/XX/XXXX XXXX XXXX Sending out letter to me and XXXX and XXXX again first letter sent XX/XX/XXXX requesting above change. They also told me that they send you the same billing statement to make necessary changes, that I received in the mail and you are responsible for the accuracy and completeness of the report, not them. Since you already received complete and accurate documentation ( that you replied back to me stating you refuse to use information I provided, I assume this matter will be resolved immediately. I am not waiting another 30 days. You are in violation of my consumer right under FCRA and FACT Act. 
I want a copy of the dispute procedure mailed to me and sent to Florida State Attorneys Office listed above. I am requesting my free copy of the full report since I cant get it online and the online link  when available is only for a short period of time, only and doesnt allow me to download and save the document. Do n't state in FCRA provide copy of legal statute, section and sub-section that verbatim proves youare in compliance with regulation/ statue and not your opinion of the meaning to me, the CFPB and the Florida State Attorney General Office listed in the attachment. I am asking The Florida XXXX XXXX office to investigate and prosecute on my behalf, since youhavent deliberately complied with my disputes or complaints with the CFPB : for the {$1000.00} remedy and removal of this Trade Mark due to in action of 2,5 years which has harmed me under law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

Experian : XXXX XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

WAYPOINT RESOURCE GROUP is using the Color of Law to publicize and furnish inaccurate and private information that has resulted from Identity Theft as defined by 15 USC 1681a ( q ).

A certified notice providing more details is being attached to this complaint and mailed via XXXX XXXX mail # XXXX XXXX XXXX XXXX XXXX You have 4 days to block this information pursuant to 15 USC 1681c-2 or further legal action can and will be taken against you.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Checking or savings account

I used BOA debit card to make a purchase {$400.00} for XXXX intial deposition, but the BOA account was recorded as withdraw, so I was charged a fee of {$10.00}. BOA originally promised me that they would refund me after the bill was released, but then they said that the system could not be executed after the bill was released. I had the opportunity to cancel the transaction, but I did not execute it because I believed they would refund.
Product: Credit reporting or other personal consumer reports

I was a customer of XXXX for years never having a late payment once with them. I contacted them to get a late payment remark removed from my credit report especially since my payment history is in perfect standing & has never been late. They then said I needed to speak with the credit bureaus ( Equifax XXXX XXXX ) to get it resolved which I have.. the credit bureaus have said that I need to resolve it with XXXX. I am being sent in circles about this & have sent letters to each of them on XX/XX/year> to get this late payment removed from my credit report & have yet to hear back from them. These are incorrect & unlawful remarks being represented on my credit report & I am declaring that they get removed immediately.
Product: Debt collection

In either XXXX XXXX XXXX, I reveieved a call from the debt collection agency stating I owed a final bill on some XXXX account. I explained that I didnt own that XXXX account or the debt that it must be in regards to my fathers account. I then stated I would pay a partial amount to just be done with it because the collector stated that regardless of who owed the debt it would be reported on my credit and I wanted to avoid this. Then a few days after that call and payment, I receieved another call from an agressive collector stating the amount owed was not for a final bill ( as originally stated ) but instead for an equipment charge. I also explained that I had no idea what he was talking about and asked for validation of the debt, that I never received, but he said it was validated by their client and that it would be reflected on my credit regardless of who owed the debt. At that point I refused to pay and stated on the recording line that I was disputing the debt, sent an email stating I was disputing the debt and demanded a proper validation of the debt. On XXXX XXXX XXXX I finally receieved some formal notice of the debt in the mail. It was not a validation letter or an itemized bill explaining the debt but just a letter stating I owed {$130.00}. I then received a phone call regarding that same debt and the representative said I owed more than what was stated in the formal notice. Due to this disprencency, I sent email alleging this was a violation of the FCDPA 807 ( 2 ) ( A ) and demanded formal validation notice and an itemized bill and proof that this debt belong to me. I received absolutely nothing from the debt collection agency. Now, I see that both XXXX XXXX XXXX and IC System are reporting the same exact debt on my credit but again with different amounts. ( XXXX : XXXX XXXX ICS : XXXX ). I have yet to receive a formal validation notice, itemized bill or proof the debt belongs to me from either agency.
Product: Debt collection

To Whom It May Concern, I received a bill from Medical Data Systems I on XX/XX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA Administration -Please provide a breakdown of fees including any, and all collection costs and medical charges -Please provide a copy of my signature with the provider of service to release my medical information to you -Immediately cease any credit bureau reporting until debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
Product: Debt collection

When I noticed a collection from Ability Recovery Services I immediately called them. I have no idea what they are collecting for they told me that I signed up with a company but never got any paperwork what they are collecting for or anything which seems to be mine. I called them again and still haven't gotten anything back. The amount they are collecting does not add up.
Product: Money transfer, virtual currency, or money service

My coop association sent instructions by the treasurer 's email for payment of each owners ' share of {$8.00} XXXX total purchase of XXXX land lease. Mine share was {$300000.00} and wired on XX/XX/21 to a fraudulent bank account at JPMorgan Chase. The treasurers email had been hacked. My issuing bank, XXXX XXXX, filed notice of fraud to receiving bank, JPMorgan Chase. Ic3.gov complaint filed along with notification to the FB-I. On XX/XX/21 JPMorgan Chase Fraud Recovery Internal Mail XXXX notified recovery of {$180000.00}. Therefore, {$110000.00} remains lost. Aside from the question of the treasurer 's responsibility to send secure communication to the owners, does the bank receiving the fraudulent wire transfer ( JPMorgan Chase ) have any culpability in restitution? Especially when they recovered about a third of the monies taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. XXXX the Defendant, XXXX XXXX XXXX had a XXXX  meeting with Discover Card Services the Plaintiff in XXXX. District Court before Judge XXXX regarding the illegal filing of a Judgement Lien. State of Michigan XXXX case XXXX was incorrectly heard as a Garnishment Case instead of a Judgement. Plaintiff 's attorneys did file a Judgement Lien with the register of deeds in XXXX XXXX County on XX/XX/XXXX. 
The owners of the property the lien was filed on is owned by XXXX XXXX XXXX and XXXX XXXX XXXX, husband and wife by the entireties and in Michigan that prevents a creditor from attaching property owned jointly when their claim is against only one of the parties. Now, Plaintiff should know this as they did it in XXXX and were later chastised for failure to release the lien, which was and illegal use of the law. ACT 236 of 1961 Section 600.2813 allows penalties of {$300.00} for failure to discharge the illegal lien. The law also allows fines of {$5000.00} and 3 years imprisonment as this is a felony under Michigan Law.