23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed for bankruptcy in XXXX of 2016 and it was discharged on XXXX XXXX, 2016. I have received several calls from a bill collector, XXXX XXXX XXXX, threatening me with legal action if I do not pay the balance on my XXXX credit card. They have threatened to garnish my wages and to send someone out to my house. The collector advised me that since he just " purchased '' the account, the bankruptcy does not apply.
Product: Credit card or prepaid card

An attempt was made to open a line of credit through Citizens Pay by way of a XXXX XXXX credit car I believe. I did not make this request nor did I apply for any credit through XXXX XXXX or any other credit companies for several months. I received a hard inquiry on XX/XX/XXXXXXXX XXXX XXXX that I believe to be fraudulent. I reached out to company to dispute the inquiry however my fear is my information is out there and I may need to freeze my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act, the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX Acct no XXXX XXXX XXXX Acct no XXXX XXXX card Acct no XXXX XXXX XXXX Acct no XXXX XXXX XXXX XXXX Acct XXXX XXXX They have violated my rights.

15 USC 1681 section 602 A section 602 A. States I have a right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

i contact equifax because there was some unknown inquires on my credit report and i ask them to remove them because i have proof from the creditors to have them to remove the inquires but they fail to do so
Product: Credit reporting or other personal consumer reports

I have been trying to get Experian, XXXX, and XXXX to send me a copy of the following : Method of Validation, Method of Verification, and Proof of Ownership of the account from either the 3 agencies or the Creditor itself. I am unable to receive any of these items and it causing a hardship to financials. I went ahead and made a complaint concerning the account to several other agencies that govern XXXX XXXXXXXX XXXX XXXX 
I have attached a complaint from the FDIC and the Mortgage and Savings Department of Texas for violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX ACCT # XXXX ACCT # XXXX, XXXX  XXXX/XXXX  ACCT # XXXX, XXXX  XXXX/XXXX XXXX  ACCT # 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: Debt collection

I paid off a collection account with  Cavalry Portfolio  for a bad debt and negotiated for it to be paid to remove. I have files several disputes to no resolution and it it staying on my account as a collection and not removed.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 -48 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of Ed/XXXX is reporting on my CR and have also included late payments that are not correct. Per the latest case Sweet v. Cardona. The XXXX XXXX XXXX University is on the list of schools in connection. Also Dept of EdXXXX does not hold a contract with myself and them. There was no written request for me to provide any permission to have this information reported on any Credit Reporting Agency.
Product: Credit reporting or other personal consumer reports

File # XXXX I am disputing an inaccurate {$6800.00} debt reported by XXXX XXXX XXXX XXXX ( Account # XXXX ) on my credit report. This debt belongs to a tenant who moved in immediately after I vacated the unit. I maintained a positive relationship with the assistant manager, XXXX, and provided USPS-stamped utility bills showing verified dates of the new tenants occupancy. Initially, XXXX was unable to locate records of the new tenant, raising concerns about improper documentation. After presenting my evidence, she confirmed the next tenant moved in immediately after me and escalated the case to management. 

Unfortunately, management failed to review the documentation or address the error, leaving an inaccurate charge on my credit report. Additionally, the account was charged off and reported for a tax credit, which raises further concerns. While I successfully had this error removed from other credit bureaus, TransUnion has not completed a proper investigation. 

I request the CFPB 's assistance in ensuring this matter is thoroughly reviewed, and the inaccurate information is removed from my credit report.
Product: Credit reporting

Please see attached lawsuit and first amended complaint. Please remove the derogatory items off of my credit report. 

Continuing to report these items can be seen as willful non-compliance. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The reason of this letter is that my credit is being extremely affected. I am very surprised and concerned by AES/XXXX  actions. I need you to take this matter seriously, and send me a response. 

I was to get a deferment DUE TO COVID-19, which was not given to me. I have been through a difficult ( overwhelming situation ) due to this virus.

Accounts involved are the following : 1 ) Account # XXXX, opened XX/XX/2005, original balance {$10000.00}. 
2 ) Account # XXXX, opened XX/XX/2005, Original Balance {$21000.00}. 

AES has committed the following violations : 2. Unfair business practices. 
3. Reporting discrepancies across bureaus. 
4. Failing to mark account as disputed. 
5. Failing to provide fair customer service. 
6. Negligence. 
7. Breach of contract. 
8. Reporting incorrect and inaccurate information. 

I want both late payments removed from my reports. 

Please send the attached documents to the company.
Product: Credit card or prepaid card

I am missing XXXX points for my successful referral of the Amex Delta golden credit card in XX/XX/2017. I have contacted the customs service for serval times about this issue but still not resolved. They just closed my case. After I have submitted the first complaint through their customer service and they asked me to provide additional information about referral individuals. Then, I gave those to them and after several weeks they said they could not find a clue. After I submitted the second complaint from CFPB, they asked me to provide these individual referrals information again. I just could not understand. 

This is my third complaint and I attached their names, addresses and even card numbers. I think they should locate their application by those information. If this time they just simply said they could not validate the referrals. I will think this is a fraud approach to cheat customers. My friends have already had their open account bonus which is XXXX through my referral. why could not I get my successful referral bonus? 

I want to mention again the two XXXX bonus points already shown in my account should come from two people since they applied for the card on the same date and not as the custom said which two XXXX points were from one person.
Product: Debt collection

I sent XXXX XXXX XXXX a debt validation request asking for complete documentation to verify that I owed the alleged debt and had a legal obligation to pay. Their response was a few pages of billing statements that contained no identifying information. My name, address, phone number, banking information, etc. was not listed on any of the documents. Furthermore, they failed to provide me with the agreement with the creditor that they are authorized to collect the alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement, proof that the Statute of Limitations has not expired, proof that they are authorized to collect the alleged debt in my state, along with license numbers and Registered Agent. These are all things I am entitled to in conformance with my rights under the Fair Debt Collection Practices Act. 

I provided XXXX XXXX XXXX 30 days from receipt of the debt validation request to provide me with the requested information.The validation request very clearly states that non-compliance with my request would be construed as an absolute waiver of all claims to enforce the alleged debt against me and all instances related to this account must be immediately deleted and completely removed from my credit file. 

The original creditor in this matter is XXXX, which apparently is a phone company. I've provided documents from my phone provider, XXXX, with whom I've been a customer for several years.
Product: Money transfer, virtual currency, or money service

On the morning of XX/XX/2022 I posted a sofa for sale on XXXX XXXX for {$600.00}. I was contacted by a man named XXXX XXXX. He asked the condition of the sofa and stated he was good with the price. He also stated he would send me the money through XXXX and his brother would be picking it up. The he proceeds to tell me that somehow XXXX took his payment twice and the only way to resolve the issue was if I sent the money back to him so they would release the total sum. At the same time I received an email from what appeared to be XXXX stating there was an overpayment and I would need to transfer {$350.00} in order for them to release the funds. After receiving the email, I believed this was just a hiccup, so I transferred the money. I provided proof once the funds showed as sent and then he proceeds to tell me XXXX now took a total of {$1300.00} from him and requested I send it back. I stated I received no money and I wasn't comfortable with where this was going. I then reached out to USAA since I used XXXX through their app. I believed since my bank was promoting this company, chances were great it was a trusted site. Especially with USAA. Once I told the gentleman that I believed this as a scam and I responded to the last email from XXXX, the person became hostile by XXXX XXXX ( which he was aloud to delete without my permission, alothough I have some screen shots ) and also through the " XXXX '' emails. The representative at USAA told me not to worry, go have a cup of coffee and all would work out. I was never told that rarely they get the money back or that I should report it to any other entity. On XX/XX/2022 USAA sent me a document stating they were not able to stop the transfer, could not receive the funds and the other bank was refusing to reverse it. Although I have all the proof showing I was scammed. How can a bank promote an app without protecting it's members? How is this legal? How is it legal that XXXX itself won't even allow you to report fraud or a scam? I am begging for help. I can't imagine how many other people are experiencing the same situation. 
The contacts I had from the scammer were XXXX XXXX on XXXX and XXXX XXXX - email : XXXX - XXXX XXXX XXXX ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered this issue, BOA reported in XXXX of 2020 an overdraft on my BOA credit card to XXXX credit reporting agency. I have a couple of questions, if there was a credit limit on my card and a charge exceeded that amount, why was my card accepted? Second, why was I never informed by BOA that this was reported to XXXX? 

At the time this occurred I was in the XXXX XXXX XXXX XXXX 2020 ). I do not know the exact amount in question, as I was dealing mostly in foreign currency XXXX XXXX XXXX XXXX. Also, as stated above why was the card accepted and why was I not informed that this information was reported to XXXX?
Product: Mortgage

On XXXX XXXX, 2015 we refinanced our loan with Nation Star Mortgage ( the loan was already with them ). All disclosures, Estimated Fees and Costs, the Federal Truth in Lending Disclosure Statement, the Payment Letter to Borrower, the Impound Authorization and Payment Notification, the Initial Escrow Account Disclosure Statement, etc., and the repeated assurance of our loan officer stated the same thing : our PMI payment was {$330.00}. The first payment statement ( in XX/XX/XXXX ) from Nation Star had PMI at {$330.00} as agreed. Now on XXXX XXXX, I get a statement telling me that my PMI is now {$540.00} - a SHOCKING increase of {$210.00} every single month - that is {$2500.00} per year! I called Nation Star today and they had absolutely no information except to say that they ( the escrow department ) had " just gotten all of the information '' and that my PMI is now {$540.00} per month and that they needed even more additional money per month because they " did not ask for enough up front at closing for their 'cushion ' so there is a shortage that is also going to require an additional {$65.00} for the next year so that they have the proper 'cushion ' on hand. '' This is a fixed rate mortgage. The principle and interest are {$2400.00} per month. The disclosed/agreed PMI was {$330.00}, the hazard insurance was {$100.00}, and the taxes were {$390.00} for a total monthly payment of {$3200.00}. Now they are claiming P & I is {$2400.00}, PMI is {$540.00}, insurance is {$120.00} ( which I expected because Nation Star told us to get more insurance in XX/XX/XXXX so it increased the annual premium by {$100.00} per year ), taxes are {$390.00}, and the escrow " cushion '' shortage payment of {$65.00}, for a new total payment of {$3500.00}. This is almost {$300.00} per month higher than disclosed and agree just one month after our first payment! Had we known that the PMI payment could fluctuate like this, we would NEVER have agreed to this loan - we had other options! We spent over an hour on the phone trying to get some answers, but got no where beyond " that 's just what you owe '' and " that 's how the numbers came in when we got them. '' This can not be right! Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX phone me of an Unauthorized credit inquiry made on XX/XX/XXXX by Citibank. XXXX XXXX contact XXXX telephoned Citibank on XX/XX/XXXX with me on the same phone line at XXXX and spoke with XXXX a Citibank representative, who promised to removed the fraudulent credit inquiries from my credit report and to send me a letter of apology to my mailing address. ( I assured Citibank that I never submitted any applications in person nor online and never authorized credit inquiries on my personal credit report and I'm SINGLE NOT XXXX ) As of XX/XX/XXXX The promised letter of apology was not at my mailing address and I gather, Citibank did not remove the credit inquiries from my credit report. SO, again I phoned Citibank at XXXX and spoke with XXXX, a Citibank representative, who read out loud, the notes of XXXX and stated that something held up the first letter. She never stated WHAT held up the letter. XXXX state she would resume the process and mail the letter of apology and ensured me that Citibank would remove the unauthorized credit inquiries from my credit report. 
As of XX/XX/XXXX and XX/XX/XXXX I have NOT RECEIVED the promised. Citibank letter of apology and I'm sure the unauthorized Citibank credit inquiries have not yet, been removed from all of my credit reports. The four ( 4 ) credit reporting agencies. 

The letter was to be mailed to XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX, XXXX, Illinois XXXX. 

I have filed an FBI identity theft report, an IC3.Gov and filed a complaint to report fraud.ftc.gov and was told to also, file this report to Consumer Finance.gov.
Product: Credit reporting or other personal consumer reports

Account : XXXXXXXX XXXX Account # : XXXX To Whom It May Concern, I am in receipt of your letter claiming that I owe your company for a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested. 
I have to date received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If you are unable to provide me with the proper proof then you must stop attempting to collect this alleged debt and remove it immediately from my consumer report. 
If you continue to claim I owe a alleged debt that you can not confirm with proof ( original alleged contract bearing my signature ) then you will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

You have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my consumer report ( s ) in error and that this matter is permanently closed. Provide the proof, or remove this alleged debt from all sources to which you have reported it.

Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a print out or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ).

Lastly, please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

If I don't get proper documentation I will be filing my complaint at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

Sincerely, XXXX XXXX
Product: Debt collection

THE PROPERTY OF XXXX XXXX XXXX XXXX, AZ WAS OWNED BY MY OWNED WHO PASSED AWAY XX/XX/XXXX. XXXX XXXX DID NOT ALLOW ME TO PURCHASE THE PROPERTY INSTEAD LED IT TO FORECLOSE. I PAID ALL THE TAXES AND INSURANCE FOR YEARS. TO DATE THE FORECLOSING COMPANY DID NOT SEND PROPER NOTICE OF THE CURRENT FORECLOSURE SET FOR XX/XX/XXXX AT XXXX. MY MOTHER HAD XXXX 2 YEARS PRIOR TO THE ORIGINATION OF THIS LOAN. ALL DISBURSEMENT OF FUNDS ARE UNKNOWN.
Product: Debt collection

My husband received treatment for a XXXX on XX/XX/XXXX. The hospitalist, XXXX XXXX XXXX ( also known as XXXX XXXX ) then billed us for the services because they do not take XXXX insurance. 

We called XXXX and said since this was an emergency, they should cover the cost of the hospitalist treatment. XXXX agreed. They sent us a check ( # XXXX ) made out to me in the amount of {$210.00} and told us to sign the check over to XXXX. We did so. 

Here 's where things got interesting. XXXX XXXX, unbeknownst to us, made a mistake and separately sent another {$210.00} check to XXXX. This caused a double payment. Rather than following up with XXXX, XXXX XXXX sent us a letter ( XXXX Inquiry Number : XXXX ) saying we owed them the {$210.00} back. They also started sending collections letters from XXXX XXXX, XXXX. The problem is that we had already signed the original check over to XXXX. 

I tried to resolve this situation by calling XXXX and asking them to refund XXXX XXXX. I talked to XXXX in the billing department at XXXX ( phone number XXXX ). XXXX said that they had indeed received a double payment and would refund XXXX XXXX one of the checks. 

XXXX mailed XXXX XXXX XXXX XXXX the refund around XX/XX/XXXX. However, after 30 days, XXXX XXXX was still sending collections letters. I called XXXX XXXX and talked to XXXX XXXX ( sp? ) who said she would look into this for me. 

XXXX called XXXX and asked her to stop payment on the original check and mail a second check. XXXX did so. She sent out a second check to XXXX XXXX XXXX XXXX around XX/XX/XXXX. 

Again, XXXX XXXX apparently was not showing that they received this second check 30 days later. In addition, XXXX XXXX officially sent us to the " real '' collections company, Receivable Management Services Corporation. 

This is ridiculous because XXXX XXXX made the mistake of double-paying in the first place! XXXX sent XXXX sets of checks to XXXX XXXX XXXX XXXX and they still have not credited the {$210.00} to my account. 

I am asking XXXX XXXX to take me out of the middle. I do n't have their {$210.00}. They need to assign the debt to XXXX XXXX and clear my credit history.