23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hunter Warfield has been attempting to collect on an alleged debt that was sold to them by my old Apartment complex in XXXX. During the move out process and apartment review, my roommates and I were offered by the apartment complex and chose to pay for an " express move out service '' which included a " professional carpet cleaning '' which would take place after moving out. 
After moving out, the apartment complex replaced the carpet without realizing the carpet had not yet been cleaned. They then charged us for the carpet replacement. We reminded them we paid for the carpet cleaning, but they said they had forgotten and opted to replace the carpet as they carpet " looked too worn ''. We said it was not our fault they had replaced the carpet without cleaning it first and per North Carolina regulation that we were not responsible for a replacement as the carpet did not exhibit anything beyond normal wear and tear. 
In XXXX of XXXX this debt was sold to Hunter Warfield. In XX/XX/XXXX we received our first collection attempt from Hunter Warfield and requested that they verify that we were responsible for this debt, as we knew they could not given that the apartment complex had broken their agreement, and that per North Carolina regulation we were not responsible for replacing a carpet that exceeded normal wear and tear. 
They did not verify the debt and in XX/XX/XXXX reported it to XXXX. At that time, we reported this violation and XXXX  removed the collection account from our credit reports. In XXXX, Hunter Warfield sent incomplete verification information. We contacted them again through our attorney to let them know that this did not verify the debt and they should cease all collection activities until first verifying the debt. 
We did not hear anything past that point in time until XX/XX/XXXX when they reported the debt to a different credit agency, XXXX  this time. We have initiated the dispute and contacted them to let them know they would once again be violating FDCPA if they did not withdraw the account. They sent back the same incomplete verification information.
Product: Credit card or prepaid card

I have been with American Express since 2016. Today I tried to transfer XXXX of my Membership Rewards points to a partner airline to book a flight and I received an error " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' After calling in and being transferred to several departments I was informed that my account is being reviewed and my points will not be available to be redeemed for 8-12 weeks. I have earned these points over years by loyally using my American Express card and now I am being blocked from redeeming them when I need to book a flight. Blocking a user for no reason from accessing his points for 2-3 months is unheard of. I was never notified that my points are frozen and now I am stuck needing to book a flight and not having access to my points.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting laws. These list of companies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, they reported inaccuurate information and then updated inaccurate information to their liking without removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They violated my rights. 

15 U.S.C. 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: Debt collection

MRS ASSOCIATES obtained my XXXX consumer report on XXXX/XXXX/23. I have sent numerous letters asking why they obtained my report.They have refused and failed to respond to any of my communications. I wish to know the reason MRS ASSOCIATES obtained my XXXX consumer report on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX The company was XXXX and reported late and I was never late. Company reports the wrong amount and based it on biweekly payment. I was never late on this account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX, XXXX, Experian XXXX XXXX balance XXXX is not my account but on my credit ( XXXX, XXXX, Experian will not remove and XXXX will not answer my calls ) XXXX  XXXX  XXXX reported on XXXX  not my account XXXX XXXX XXXX  {$990.00} Reported on XXXX, XXXX, Experian not my account and was not removed XXXX  XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance on XXXX  & Experian and was not removed XXXX  collection account doesnt belong to me and was not removed. 
Indiana XXXX XXXX XXXX Opened XX/XX/XXXX {$950.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX  Last reported XX/XX/XXXX {$510.00} Reported balance on XXXX  and Experian not my account Experian collection account reported on my report that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX  XXXX XXXX Account # XXXX closed account reporting on my Experian report that will not be removed it doesnt belong to me ( XXXX  XXXX  inquires that are not mine contacted XXXX  and creditor to remove but no help XXXX XXXXXXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  - XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  inquires not from me. I have reported by XXXX  has not removed XXXX XXXX from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX/XXXX  XXXX  XXXX   Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  Experian inquires that do not belong to me XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX? XXXX XXXX XXXX, and XXXX XXXX XXXX continually put things back on my credit that I have been disputing and they are over 7 yrs. I went through a nasty divorce and so much is not my responsibility but I have had to ride out the XXXX yrs. I will never use XXXX XXXX again. There is obviously a theme. 

I cant afford credit reporting so I can see all bureaus but these are on both XXXX XXXX TransUnion. Im guessing these have been reported to XXXX too.
Product: Student loan

I have tried for months to get a lower monthly payment through sallie mae. Ive been on hold for 30 minutes, hung up on, and told i wasnt approved for any type of help. I currently pay {$1000.00} a month. I make roughly {$2600.00} a month and can not afford that rate. They refuse to help in any way
Product: Vehicle loan or lease

XX/XX/year> applied for auto loan. Application was approved for XXXX. I chose a vehicle with an out of state dealer and the bank stopped payment when dealer tried to deposit check. Bank did not notify me of this stopped payment and failed to keep me in the loop of its communications with dealer. I had no clue what was going on.. When I called, they advised me to reapply because the payment was canceled with no reason. I re-applied the same day, and was denied. My messages in my online portal mysteriously disappeared. I ended up losing the opportunity to purchase the vehicle. Two weeks later dealer calls me and says the stopped payment was resolved and I decided to go with an older model that the dealer purchased from auction. Til this day, this dealer has become a headache. Has not given me any purchase order, receipts or title. I have tendered payment in full for auto loan and they have not adjusted the account. They are reporting my account as 30 days late. They are doing the same to my credit card balances and not processing tendered payments for account adjustment. The accounts are in good standing but are carrying very high balances and it is effecting my score. Today I found out they have limited my banking features due to my outstanding balances. They are depriving m of my credit, daily necessities and my pursuit of happiness.
Product: Credit reporting or other personal consumer reports

Equifax claims to have verified the account XXXX XXXX as accurately belonging to me but they did not provide me with any evidence in which they used to validate and verify this account as belonging to me. I would like the information that they used to verify this account so I may follow up with them about this account and information being supplied to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a public record, " Bankruptcy, '' reported in my credit file. The bankruptcy is a ChXXXX which was filed in XX/XX/2010. The law clearly states that this record can not be on my credit report for longer than 7 years. XXXX and XXXX state that the information they are receiving regarding my dispute with the reporting of this information past the legal parameter of 7 years states that the bankruptcy is a ChXXXX. This is fraudulent information. 
The case was converted to a ChXXXX. 
The law clearly states that the bankruptcy it is to be reported to a credit bureau as it was originally filed and when it was originally filed ; with that being a ChXXXX in XX/XX/2010. The record can not be reported as a ChXXXX be side it was not. It was converted to a chapter XXXX with the same case number and filing date. I DID NOT FILE A CHXXXX IN XX/XX/2010 LIKE THEY ARE REPORTING. THIS IS WRONG AND FRAUD
Product: Debt collection

On XX/XX/year> checked crediXXXX XXXX  to do my monthly credit report check. I noticed a new collection for a amount for XXXX dollars by a company going by XXXX  or National Credit XXXX XXXX. I have not receive no written notices, phone calls or emails in regards to this account.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : TransUnion : XXXX ( XXXX 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 Experian : 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

YOU ARE IN VIOLATION OF THE FDCPA- YOU ARE IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS The Bureaus, XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$300.00} on my consumer report, the collection is being reported as a positive balance and a collection account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. I have included several violations that you, The Bureaus, XXXX, owe me in my Bill of Particulars.
Product: Checking or savings account

Applied checking account with {$250.00} open account bonus promotion.     The requirement is " To receive the {$250.00} promotional credit to your primary  Wells Fargo  checking or savings account, the following requirements need to be met  ; * Make 10 p urchases or payment with your  Wells Fargo Debit C ard or * Establish a qualifying Direct Deposit on an accumulated {$500.00} or more The {$250.00} credit will post to the account within 60 days of the account opening. ''  XX/XX/17    Account opened with {$50.00} initial deposit  XX/XX/17    {$500.00} direct deposit from my employee   XXXX     Another {$500.00} direct deposit from my employee  Submitted   XXXX  forms and went to Bank for signature and so on as they indicate as reasons for holding the bonus.     Bonus never posted.      XX/XX/17    Receive letter that I did n't meet the requirement for the bonus  ( le tter dated as  XX/XX/17    ). The requirements are the same as I cited earlier and the same as what I saw when open the account.
Product: Debt collection

I am writing to formally dispute a debt that has appeared on my credit report. I recently became aware of this debt when I applied for housing, as it surfaced during a background check. Prior to this, I had never received any notification of an outstanding balance, nor was I informed that the debt had been sold to a collection agency. 

Ive never been contacted regarding any outstanding balance or its transfer to collections. Likewise, the collection agency failed to notify me or provide verification of this alleged debt. 

Under Minnesota state law and the Fair Credit Reporting Act ( FCRA ), I have the right to be informed of and dispute any unverified or fraudulent debt. Since the collection agency has failed to properly notify me and provide validation, I am formally requesting that this debt be removed from my credit report immediately. 

Please find attached : A copy of my credit report highlighting the disputed debt A copy of my identification for verification Any relevant supporting documentation I request a full investigation and written confirmation of your findings within 30 days, as required by the FCRA. If this debt can not be fully verified and proven to be accurate, it must be removed from my credit file immediately. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and any actions taken. 

Sincerely
Product: Prepaid card

This is a " XXXX XXXX '' and gift card that is impossible to use, get ahold of anyone at the company and has wasted hours of my life. It is clearly a scam to make it as difficult as possible to use, while they sit on top of prepaid money, collecting interest. I still can not figure out how to use it and it's infuriating. Tried using it online, in the store, tried call the 1-800 #, tried submitting the web form for help - all to no avail. They're issued by : XXXX, National Distributed and serviced by Blackhawk Network California , Inc. ( NMLS # XXXX ). DO NOT BUY THESE CARDS, WASTE OF MONEY AND YOUR TIME.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO
STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Mortgage

Complaint : the mortgagee ( Chase Bank ) is collecting more than the allowed amount for my escrow account. The escrow account is to collect for payment of my home insurance and property taxes. I called Chase Bank I believe back in XX/XX/2018 to discuss their error, but they did not remedy the complaint. 
Details : My combined annual home insurance of {$860.00} and annual property taxes {$2500.00} total the amount of {$3400.00}. The Chase Bank is collecting in escrow a total annual amount of {$4400.00} ( ie.  {$370.00} x 12 = {$4400.00} ). Per HUD, the maximum a lender is allowed to collect is the total annual amount due ( {$3400.00} ) plus two months ( {$3400.00} / 12 = {$280.00} x 2 = {$560.00} ). Per HUD rules, this totals a maximum allowed escrow amount of {$3900.00} ( ie. {$3400.00} + {$560.00} = {$3900.00} ). Chase Bank is collecting {$460.00} over the maximum allowed ( ie. {$4400.00} - {$3900.00} = {$460.00}. ). 
Chase Bank needs to correct the escrow collection amount to comply with HUD rules.
Product: Checking or savings account

The company BOA has breach its Fiduciary duties, to maintain operate in my Business account this is an on going battle since XXXX  they have committed Fraud using my account, money laundering, and Financially Gynecide, and Theft by Taking by using my Trade Mark Name, SS Number, and Business EIN. This is the 4th fourth time making a complaint with no Remedy, Respect, and Resolution. I have 120 pages of evidence. This is negligence and intentionally done. They sent no useable phone numbers no answers, they remove evidence, and lied on documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Companies listed below did not obtain my written consent to publish any inquiry details on my credit report. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX
Product: Credit reporting

The New York State Supreme Court had dismissed the XXXX XXXX XXXX XXXX in the index number XXXX on Equafax Account # XXXX,. I have enclosed the copy of Supreme Court order.Equifax Has failed and and refused to properly investigate the validity of the XXXX XXXX information even though the New York State Supreme court had dismissed the validity of this wrong information and XXXX XXXX Claim. Why Equifax did not communicate with N.Y.S. Court and further investigate the truthfulness of the information being reported in my credit report knowingly that it would Tarnish my credit report and my ability to receive further finance. They Simply Failed and continue to admit to their mistake under the legal protection afforded to me as a consumer.
Product: Debt collection

1. Midland Credit Management has not  validated this debt. They sent me statements of an  XXXX  Credit Card. The address on the statement does not belong to me. Please show me the signed agreement bearing my signature that proves this debt is mine.     2. Sending of a letter and it not be returned undelivered does not protect you under FDCPA. Please provide PROOF that this letter was delivered to me.
3. You voided an existing payment arrangement without my re  quest for your own convenience so you can renegotiate the terms of the agreement. Since you have breached the agreement we had made, without my authorization to do so this is evidence of your failure to keep your part in the agreement.
Product: Credit card or prepaid card

Greetings, I have a payment scheduled for XX/XX/2023 of XXXX. On XX/XX/2023 I get an email from Capitol one stating I have not made a payment even though I have it scheduled to come on out XX/XX/2023. This led me to make another payment so I would not get a late fee. 

I think in this day and age that a credit card company can track when future payments are being made and not send out erroneous emails saying I have not made my payment.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a formal complaint regarding a personal loan I received from NetCredit, serviced by XXXXXXXX XXXX XXXX XXXX XXXX. The loan terms violate Arizona 's Consumer Lender Law, specifically the interest rate caps outlined in the Arizona Revised Statutes. 

Loan Details Loan Amount : {$4500.00} APR Disclosed : 97.48 % Total Payment Scheduled : {$13000.00} over 30 months Legal Discrepancy Under Arizona law, interest rates for loans of this size must adhere to a tiered cap : 36 % on the first {$3000.00} of the principal 24 % on the remaining {$1500.00} By these standards, the total legal payment should not exceed {$8200.00}, including interest of {$3600.00}. The loan terms provided by NetCredit far exceed these limits, resulting in excessive and likely usurious charges. 

Action Requested I request your office to : Investigate NetCredit 's compliance with Arizona lending laws. 
Assist in adjusting the loan to meet legal interest rate caps. 
Impose penalties for any violations, including forfeiture of excess interest. 
Attached are copies of my loan agreement, payment schedule, and a detailed calculation of the legal interest rates under Arizona law. 

Thank you for your attention to this matter. Please feel free to contact me if additional information or documentation is required. 

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

I demand to see verifiable proof of this information listed on my report "   PUBLIC RECORD   :   US BKPT CT   AZ    XXXX  -  XXXX  ''
Product: Bank account or service

Bank of America charged me XXXX {$35.00} overdraft fees for debit card transactions. Bank of America has refused to reverse these charges, although it is not legal or certainly not in compliance with the regulations set forth by Dodd-Frank. The argument Bank of America is telling me by justifying these charges is the a third-party ( in this case XXXX ) has deemed its transactions as " reoccurring '' charges ; so the bank can charge overdraft fees. This is totally unacceptable and is a slippery slop to redefining " reoccurring '' charges. Suppose I visit XXXX, a grocery chain, several times a month and conduct multiple transactions. Will these now be considered " reoccurring '' charges and be processed as such? Bank of America says it has no control what it deems as a " reoccurring '' charge and this is determined by the third party. However, I do n't understand how the bank can allow a third party to determine when a transaction is processed and/or denied and then proceed to charge a fee. Does n't the bank have final say in what is approved and what is n't? Also, if XXXX is skirting the regulation what interest does Bank of America have in protecting the consumer when it can freely charge customers overdraft fees because a third-party has deemed the transaction as " reoccurring '' although the transactions are different amounts and at different points within a given time period? Either Bank of America or XXXX is taking advantage of the consumer and/or skirting financial regulation ; or the financial regulations in place have a large loophole in them that does not protect the consumer, but allows banks and private companies to determine what type of transactions they are processed without any formal regulatory framework.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documentation. 

My complaint is for First Choice Loan Services and all 3 Credit Agencies. I have been trying to resolve a known issue with incorrect " Past Due/Payment History '' that First Choice Loan Services for XXXX XXXX XXXX. First Choice agreed that the Past Due/Payment History is wrong, and that they would correct it by sending corrections to all 3 Credit Agencies. 

Since XX/XX/2020, I have documented repeated attempts to get my credit history corrected. It is XX/XX/2020, and still do not have my Credit Reports corrected. 

BEWARE of First Choice Loan Services.