23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received two letters in the mail from a law firm by the name of XXXX XXXX XXXX. This is the first time for me to receive notice of SUMMONS OF CONTINUING GARNISMENT. Case no.XXXX Civil Action file no.XXXXLVNV Funding LLC is constantly filling lawsuits against me since the beginning of the Pandemic. Since my devoice in early XXXX, I have been struggling to pay off old past debts. The Pandemic started in XXXX and caused me to go under in debt even more. The account was under collection along with other accounts all under one collection company ( LVNV Funding LLC ). For each collection account they have on me, they are suing me. I can not breath for having to try to make court and try to negotiate, and now they want to garnish my only means of income, when I am still trying to recover from XXXX leave and unemployment benefits when Covid was at a all time high. I am currently working now but yet being targeted by the fear of loosing my job, because of garnishment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Mortgage

I called today because i received phone call from Loancare and i call back, they informed me my loan payment is up today but i have Loan Modification which it incomplete, then the agent i spoke transfer me to another one who handle Loan modification, i spoke to her and she asking me to wait for her to overview the account, then she hand me up, and never call me back. Very unprofessional.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX  Account XXXX ( 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 furbish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

My EDD card number was used to withdraw funds from ATM but the card is back in my possession and I would like for my charges to be disputed and my funds of XXXX to be refunded
Product: Credit reporting or other personal consumer reports

I have been contacting TransUnion Consumer Relations for years to correct the information being reported by XXXX XXXX XXXX. TransUnion has received multiple letters from me and the company and TransUnion still haven't updated my credit report. In addition, the company stated they have never received any complaints regarding my request for accuracy to my credit report. I filed another dispute with the supervisors at TransUnion, for which they stated they received the letters from me and XXXX XXXX on XX/XX/year>. They have had this information for over XXXX  years and they haven't corrected my credit report yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple letters and FTC Reports to Equifax XXXX XXXX and XXXX. All three refused to investigate my claim. Ive told them Ive been a victim of identity theft. They keep saying they verified it. But Ive havent seen anything in writing. The following accounts are All fraudulent. Ive never done business with these companies or entered into a written contract. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Account # XXXX
Product: Debt collection

I received a letter for a collection attorney trying to collect a debt that is to old.
Product: Mortgage

Entrust Funding sent a document that is mimicking what federal document as a scam to get you to call to refinance.
Product: Debt collection

I've recently checked my credit report and noticed some inaccurate accounts being reporting with false information.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TIED UP TO OPEN ACCOUNTS XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have had my mortgage with Truist since XX/XX/XXXX. The first 4 months I couldnt make payments on line because the phone # they had for me was incorrect so every time I tried to reset my password it would go to their customer service XXXX number because that was what was input during the botched data base merger when they merged SunTrust and BB & T. I had to go into the local branch in down town XXXX to get it straightened out. The manager XXXX XXXX helped me fix the online issues ( I thought ) and helped make a payment of {$1100.00} and {$200.00} additional on XX/XX/XXXX. The only thing that posted to my account was the payment on principle of {$200.00} I received an email XX/XX/XXXX that my XXXX payment was past due. I want my XXXX payment to reflect that it was paid on XX/XX/XXXX. I havent been able to resolve this issue through Truists customer service. Ive called numerous times and have been told I will be called back and no one ever calls me back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My credit card ( TD Bank ) last 4 digits XXXX was cancelled over two years ago. A recurring charge ( XXXX membership ) was still being added annually. I spoke to the vendor and they apologized and refunded in cash the amount due. regardless for two years I have accumulated late fees and penalties on a cancelled card. I offered to pay back the original fee, which was refunded to me by the vendor. This past XXXX XXXX I was told by customer service a hard copy invoice would be sent to me explaining the terms of payment and monies to be refunded. Also I was given an apology due to the fact that a cancelled card still had new charges against it. Now I am told that it was a mistake for the service rep to offer that, since TD bank does not do that. 

I am more than willing to pay back the original charge ( {$60.00} ). But not any late fees or penalties. I did what was required from me. The vendor apologized for the recurring fee after the cancellation of my membership. That is why they refunded my annual membership fee. I am more than willing to pass it on to TD Bank.
Product: Debt collection

Company is charging me XXXX $ it also affected my credit I need this removed. They have to verify or remove the charges if they can not.
Product: Checking or savings account

I sold my car on Thursday XX/XX/24. I deposited my bank draft check from XXXX for XXXX into my new Texas Capital checking account. They put a 9 day hold on it which was expected. The following Friday comes along ( 9th day ) and I log in to discover my account frozen since Monday XX/XX/24 but my check from XXXX processed and available. ( As expected ) So Ive tried to call the number they said to call numerous times interacting with employees who cant seem to reach anyone in fraud but will repeatedly tell you they are gon na put a ticket in? Ive even sent in numerous secure messages through the online portal with a day later straight response, saying there is nothing that can be done. No one has ATTEMPTED to call me from their fraud department to get this resolved. I need those funds and they arent moving with urgency at all. Ive requested to close the account numerous times and for them to send me a cashiers check. At this point, I dont wan na deal with this institution I just want to close my account and receive my funds. I have yet to hear from their fraud department. I called again today, XX/XX/24. I speak with a rep who once again says shell submit my information and someone SHOULD reach out on Monday. SHOULD but not a guarantee. I demand someone reach out to me ASAP or just close my account so we can resolve this matter and I can be done with Texas Capital Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, SUNTRUST XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX  XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

This is a debt that was paid in settlement. I owed about XXXX and I paid about {$150.00}. It is a closed account and it's still showing up on my credit report affecting my credit negatively. The debt collection agency obtained this information from Progressive. They have taken rights and responsibilities and acting out of personal gain. This account needs to be removed from my credit at all bureaus. If the bill is already paid it should not be impact in my score negatively and I do know that you do not have the right to continually impact my score negatively and my bill is paid at this point what you are doing is illegal and I will sue this collection agency if the situation is not rectified immediately. I have rights under the Fair Credit Act and will implement them.
Product: Mortgage

I an attempt to modify/short sale etc ... XXXX My lender ( flagstar bank ) r has violated every possible servicing regulation, by causing delays failing to accept payments, mishandling my application that led to a denial, failed to send statements, failing to acknowledge my answer to judicial foreclosure. Their violations are clear and ongoing. They recently entered into an order of consent with your agency to comply with federal lws, however they continue to ignore them and are attempting an illegal foreclosure on my home.
Product: Credit reporting or other personal consumer reports

The credit report showed a credit inquiry that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it.

Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately. 

If you ignored this letter and do not delete the inquiry or do not provide strict proof of authorization I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Along with a litigation matter in my state court.
Product: Checking or savings account

yes bank of America has been taking fees of XXXX dollars out of my account XXXX because they stated I no longer had a mortgage with them but then they lied to my wife who is on doctors order XXXX  as she is taking XXXX and I am XXXX XXXX XXXX due to the fact she had to go on XXXX they falsely charged us over XXXX in fees for maintenence after we refinanced but still have other accounts with them credit card and other checkings. I tried to resolve this with them several times and there excuse is they can go back only three months. My wife is a XXXX  her XXXX is not good and her XXXX treatments.
Product: Money transfer, virtual currency, or money service

I normally pay my XXXX  credit card with direct XXXX from my FirstTech checking accound every month. This time I'm having issues with a {$2000.00} transaction. 

When I submitted the transaction FirstTech claims I didn't have enough funds, which doesn't match my transaction statement. XXXX claims First Tech didn't release the funds of this transaction, so they rejected the XXXX. I see that reflected in my transaction history, however FirstTech debited again {$2000.00} that never reached XXXX again, and seems to be lost ( This is my issue, and reason for this claim ). I got an email from XXXX notifying me that the transaction failed. I contacted FirstTech and they claim I should contact BoA what I already did. And was told funds were not released by FirstTech. 

TRANSACTION ID XXXX TRANSACTION ID XXXX TRANSACTION ID XXXX
Product: Credit reporting or other personal consumer reports

i filed an ftc identity theft report and a police report in which i have sent both to XXXX, XXXX  and transunion on the below accounts that are not mine and fraudulent. they refuse to remove them. I want them removed immediately. 

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

I have sent several letters to XXXX XXXX XXXX and XXXX XXXX XXXX about the debts listed with their companies. I have asked repeatedly for the actual applications from the company they are collecting for. I get the bills and letters stating that the debt is valid. They have severely damaged my credit to the point I had to hire a credit repair agency. And they are charging me {$1000.00} an account and it's four accounts. I can not afford to have this incorrect information on my credit report due to my employment. These accounts have damaged my reputation so much that I can not get promoted due to the negative accounts. 
JCPenney is {$570.00} XXXX XXXX is {$350.00} both with XXXX XXXX XXXX. Letter sent XX/XX/2018. XXXX XXXX XXXX has these accounts XXXX {$330.00} and Sychrony {$1000.00}, Letter sent on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

The credit card account with XXXX XXXX XXXX was opened fraudulently and doesnt belong to me personally. Why is this negative information being reported on my Experian credit report. Ive expressed my concern about this issue with Experian and nothing has changed after I disputed this information several times.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXX/XX/XXXXXXX Balance {$2000.00} XX/XX/XXXX BALANCED {$3000.00}XX/XX/XXXX BALANCED {$500.00} XX/XX/XXXXBALANCED {$240.00} XX/XX/XXXX XX/XX/XXXXXX BALANCED {$150.00} XX/XX/XXXXX BALANCED {$3000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have affected me in so many ways to gain credit cards, buying a house for my family and I find it very interesting that my personal information about my Child support is showing on my credit report inn way that is vary illegal not just being on there but it in a position that it's an instalment loan which is weird you can't borrow money for child support I didn't sign a contract for that amount of credit Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX Account name : FST XXXX # XXXX Account : name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX OF XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX THESE Accounts are stopping me from buying a house for my boys I'm a single father who is trying to make a difference in my children 's life accounts like these have violated my rights. 
XXXX5 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 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: Credit reporting or other personal consumer reports

Credit report breach I missed the dead line but I was affected
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account Number XXXX XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 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.