23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXXI notice a collection on my credit report from XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX Texas XXXX. in the amount of {$7600.00} for a car loan charge-off closed account which was stated open XX/XX/XXXX on my XXXX XXXX report andXX/XX/XXXX on my XXXX report .I reached out to this company by certified mail on XX/XX/XXXX and tried to call several time with no response from the company they failed to mark my credit report as disputed and failed to reach out to me about this account via mail I waited 31 days and reached out to the company again via certified mail onXX/XX/XXXX still with no luck. On XX/XX/XXXXI check to see was this company license or had a surety bond active and place to even collect a debt in the state of Texas which is required under the Texas Finance Code Section 392.101 and the surety bond was canceled on XX/XX/XXXX I need this company to validate this collection account they have placed on my credit report stating I owe them any help from the CFPB would be gladely appreciated because this company is not responding to any of my letters nor are the legally authorized to collect third party debts in Texas
Product: Credit reporting or other personal consumer reports

Affirm is reporting three accounts late/charged off on my XXXX credit report. These accounts were paid in full and were not charged off. These three accounts need to be removed off of my XXXX report immediately. This company has failed to show proof that these accounts were late despite numerous disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collins Asset Group is stating that the original creditor is XXXX XXXX. But the original creditor is XXXX XXXX. The date this account was opened was XX/XX/2017. The amount is for {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Bank account or service

I submitted Case number : XXXX but it was not sent to Citibank but rather to XXXX for resolution. Since the Patriot Act, banks are required to obtain ID before opening an account so I want to know how was a CRIMINAL allow to open an account and receive wire transfers. Also how did Citibank allow their database to be hacked and all correct information on a credit card was stolen and used to pay for my services. And now I am told I have to write-off all my expensesI wire transferred {$3200.00} to what I thought was a legitimate customer of Citibank who turned out to be a scam. The following information is all documented via emails. 
On XXXX/XXXX/2014 we received a request for quote via email from XXXX XXXX from XXXX and Sons to print XXXX flyers. 
On XXXX/XXXX/2014 we received an email with the information on the Mastercard we used to pay for the XXXX and Printing of the material of {$5800.00}. On XXXX/XXXX/2014 the funds from the credit card were deposited into our bank account and that is when we started the printing the material On XXXX/XXXX/2014 he asked us via email for the status of the printing job and asked us to contact the XXXX XXXX to schedule the pick-up by the XXXX XXXX. On this date, he also called the shop to talk about the status. We schedule pick up of the XXXX XXXX at our shop on XXXX/XXXX/2014 and paid the XXXX company the {$3200.00} they requested for the shipment. I was provided a routing number and account number and name. 
On XXXX/XXXX/2014, in reconciling our bank account we noticed that the {$5800.00} was chargeback to our bank account and hence the reason I am writing this information. In the meantime, the XXXX XXXX flyers have been printed and we are waiting for the XXXX Company to pick them up
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with Experian providing information about inaccurate bankruptcy accounts. All prior disputes I have filed are determined verified. In the completed dispute letter I received from Experian, I was told to contact the company verifying the information known as XXXX which is their vendor. According to XXXX the bankruptcy accounts do not exist. I have provided supporting letters from XXXX that substantiate my dispute. I was told by an Experian representative that they obtain information from a public record source known as Pacer which is a third party vendor that holds court information. According to The Fair Credit Reporting Act, I understand that one must verify information from the original furnisher. I also provided a letter from the bankruptcy court stating they do not report to the credit bureaus such as Experian, XXXX, and XXXX. I would like a proper investigation that do not violate the FCRA. Im attaching supporting documents from all sources once again. The accounts I want investigated and removed are listed XXXX US BKPT CT XXXX XXXX XXXX US BKPT CT   TN XXXX
Product: Credit reporting

I have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several dozen inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Transunion. I have included, the Inquiry Company, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately.
Product: Mortgage

I made application with Wells Fargo Home Mortgage for a refinance mortgage transaction in XXXX of XXXX. I locked my rate at the time of application and submitted all requested documents. My current mortgage is with Wells Fargo Home Mortgage and was refinancing to reduce the interest rate on the loan. Months have past and I have been required to resubmit documentation a total of 3 times as they claim the info continues to expire as a result of not being dealt with in a timely fashion by Well Fargo. I registered a complain with them in Mid XXXX upon receipt of an additional request once again for the same documents just in a updated status. I explained that I have provided the same requested info 4 times now, bank statements, pay stubs, and additional documents over and over. They then issued and overnighted a letter to my property address which is my second home and not my primary residence of which they are aware of stating that they were in receipt of my complaint and will begin working on it only to receive a letter of denial of my loan. I am self employed and have owned my company since XXXX. Nothing has changed in regards to my income or company status and I feel that this loan was denied in direct retaliation for me registering a complaint about the 6 month processing time for a simple refinance. They have never appeared to know what was going on with the transaction, my current loan with them is seasoned for 3 plus years with never a late payment made and the treatment that I have received from Wells Fargo Home Mortgage is truly unbelievable and unfair business practices at its finest.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Two months ago I sent you a letter regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Product: Prepaid card

I went to XXXX and loaded my prepaid card with cash {$250.00} and usually the funds are loaded on your account right away after transaction is completed..But when I checked my account my money was not there..I called the card company and they can not give me any answer where my funds are..They keep telling me they see no transactions of the load to my card..I am very disappointed in the services of the bank..They keep telling me it 's a glitch in the system..But do not ask for proof of transactions to help me in any way..Please help me resolve my issues..
Product: Debt collection

I HAVE CONTACTED AND DISPUTED THIS COLLECTION WITH THIS COMPANY AND THE CREDIT BUREAUS MANY TIMES. THEY KEEP VALIDATING IS AS MINE FOR A HOSPITAL BILL XXXX XXXX THAT I KNOW NOTHING ABOUT. FURTHERMORE I HAVE HAD FULL MEDICAL COVERAGE FOR MANY YEARS AND WOULDNT BE ASKED TO PAY OUT OF POCKET FOR THIS. THE DEBT KEEP BEING SOLD TO NEW COMPANIES AND WHEN I CALL THEY VERY RUDE, INTRUSIVE AND ABUSIVE TELLING ME ITS MY DEBT AND GIVING ME LITTLE TO NO INFORMATION. I AM FED UP WITH THEYRE CONSTANT CALLS AS WELL
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I submitted a payment to Apple Card for {$3700.00} to cover XXXX college classes. The classes were cancelled, resulting in a refund to our card. At the time, the card had an approximate balance of {$1100.00} and an installment balance of {$760.00}. I was told by Goldman Sachs representatives that I could request a transfer directly to my checking account for the remainder after the card balance was paid. On XX/XX/2022, the card balance was paid & {$1200.00} was transferred to our bank account. {$760.00} remained as a credit on our card. I was told the installment balance could not be transferred electronically & would be sent by paper check. I never received a check. Multiple, multiple times I was told the money would be sent to me, then told the request was denied. I talked to customer service, supervisors, and managers. Apple Card violated their installment agreement by forcing me to pay the installments off early by holding the refund hostage. Since the card balance was not exactly XXXX, the app would not let me pay anything other than the monthly balance towards my installment. The credit just sat there, unable to be applied & unable to be refunded. All subsequent purchases would then be automatically paid off by the remaining almost {$700.00} credit. Goldman Sachs would not apply the credit to my installment because they said it would violate my installment agreement, but they forced me to pay the balance early by holding my money. I was advised by Goldman management to try closing the card to force the payoff- but closing the card still kept my money in a holding pattern, still making monthly payments for XXXX  years. I had a credit line of {$9500.00} before closing & after reopening it dropped to {$6500.00}. I even considered returning the watch to get my money back, but Goldman could not guarantee the refund would not go back on the came card I had closed as a credit. Apple claims they can not help because they do not manage the Apple Card. Goldman Sachs can lie & mislead with zero accountability - every action they take they feel is justified, even after apologizing for what the were putting me through.
Product: Credit card

Due to fraudulent activities, I reached a " Pay to Delete '' settlement agreement with Synchrony Bank regarding an XXXX XXXX card account number : XXXX and a XXXX XXXX credit account number XXXX. I complied fully with the agreement, submitting payment in the agreed amount, which was received and processed. However, the account remains listed on my credit reports with XXXX XXXX and/or XXXX, XXXX to the terms outlined in the settlement agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXY XXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

In XXXX I was in between jobs and got behind on my XXXX account. I ultimately made a payment to prevent the account from going to charge off and they charged it off anyway and sold the debt without my knowledge which I paid the collection agency. I attempted to get all this information from XXXX who said they could not find information but they keep reporting to the bureaus ad accurate but have no information when I ask for verification documents.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1692c The clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Mortgage

Affiliated Mortgage is always on voice mail. Cant even talk to any one. Tried checking different departments to see if I can talk to someone. Still always routed on voicemail. How can I get help if no one is helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report on XXXX XXXX,2017 Equifax is retaliating against me because of filed various Federal Retaliation and Discrimination complaints. Equifax credit score is at XXXX? XXXX XXXX and XXXX XXXX. Equifax, XXXX and XXXX suppose to delete all negatives and hard inquiries from my credit report, but they have not done anything.Why? Because of my file various Federal Filed complaints? I am XXXX and Retired and a Military Veteran. Why XXXX and Minorities XXXX and Military Veterans and Military Veterans gets Retaliated and Discriminated by Major credit reporting Agencies?
Product: Debt collection

I informed Stellar Recovery that I was filing for bankruptcy and still they send me collection notices, also they send me notice in deceptive & deceitful manner I also retained legal services od XXXX Law Firm of XXXX XXXX NV, my case # XXXX in XXXX XXXX NV appeared in court XXXX XXXX 2016 @ XXXX XXXX XXXX XXXX .I 'm also on XXXX with a limited income.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX declare that I am a XXXX XXXX XXXX XXXX  and, as such, am protected under Section 605C of the Fair Credit Reporting Act ( FCRA ). As a result of the exploitation I endured, certain adverse information has been reported on my credit file, which is directly linked to my XXXX XXXX 

Under Section 605C of the FCRA, I am entitled to have all adverse credit information resulting from my XXXX XXXX from my credit reports with all major credit reporting agencies. I have provided the necessary documentation to verify my status as a XXXX XXXXXXXX, and I formally request that you comply with this legal mandate by removing or blocking any such harmful information on my credit report. 

This request is made under my legal rights as a XXXX, and I expect full compliance with the Fair Credit Reporting Act to prevent any further victimization or harm to my credit standing and the accounts are 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 and I also have 2 inquiries that I did not authorized which is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  Balance : {$0.00}XXXX XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$840.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Jefferson Capital has attached a debit in the amount of {$2800.00} from a " supposed '' XXXX XXXX Account that I have never had. I CURRENTLY have a XXXX XXXX account, that is paid in full monthly. XXXX would have NEVER allowed me to obtain a New Account, in addition to financing 2 Brand New XXXX ( totaling over {$3000.00} ) if I owed them {$2800.00}. They would have either denied my account request or they would have required me to pay the {$2800.00} back before allowing the creation of my new account. This debit is NOT mine and it is effecting my credit score and report. They have clearly attached this debt to my credit report fraudulently. I may have been an " authorized user '' on a XXXX account about 10 years ago, but never supplied my social security number, nor did I give them any authority to bill me for any outstanding balances. I want to see proof of signed paperwork showing that this was my account. I assure you, they will not be able to provide this. I have submitted disputes to XXXX, XXXX and XXXX as well. Seems that XXXX XXXX is stating that this account " meets FCRA Requirements, however there is no way that is possible. Did XXXX request the original documents with MY Signature on them. Proving that this account is mine, because I have requested those and NEVER received them. This whole issue is effecting my credit immensely and I NEED it removed.
Product: Checking or savings account

I reserved XXXX  XXXX property In Florida the day I was to check in I had a death in the family. I requested a refund it was sent. I have proof it was sent to my bank. They will not release the funds back into my account.
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

belongs to someone with a similar name please remove
Product: Debt collection

The Company name is REMEX , INC . They have called me at work on XX/XX/2023, demanding payment, telling me to borrow the money from someone. I have asked that they send me proof of this debt, the man told me no that it had already been sent, I told him that I had never received anything. And asked him to resend me any documents that can verify this debt, who it is from and the amount owed. I then told him, once I receive this information, if it was indeed legit that i'd be happy to go on a payment plan of $ XXXX per month - again he told me no, that it needed to be paid in full. After explaining several times that I would not just a pay someone that I had never heard of nor received any information regarding money owed, and asking for documentation to be sent to me and after that time if it were legit we would work up a payment plan. I still have not received anything, but have just noticed that this is now on my credit report However, this debt was paid in full to XXXX XXXX, XXXX - I expect Remex , Inc. to take this off of my credit report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting to the credit bureaus that i am 30 days late. The account is not late and the reporting needs to be corrected. Per the credit bureau the account is late for XXXX, XXXX, XXXX and XXXX. Per XXXX XXXX XXXX records i have made payments before the 30 day mark. My account is due by the XXXX of each month 1 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 2 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 3 ) XX/XX/XXXX received {$1200.00} to satisfy the XXXX payment 4 )  Not sure how XXXX can be marked as late when the month of XXXX is not over yet My account is due on the XXXX of each month, as you can see we are not 30 days late, we are close to the 30 day mark, but it is not 30 days over. I am requesting that the credit bureaus be updated to reflect payment on time. My mother in law has directly paid the mortgage since XXXX and somewhere a payment was missed. In XXXX, i will be making a double payment to ensure that we are not so close to the 30 day mark.