23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not owe this debt. I did not create this debt. I would not have needed alltel in 2010 because it would not be good coverage for XXXX XXXX, Mt, where I lived, nor did I need alltel as my home pH has been XXXX XXXX XXXX for XXXX years plus. 

Please contact me at the XXXX year old number. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MtXXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, AND XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX, AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX )XXXX XXXX XXXX, XXXX Account number XXXX, XXXX XXXX XXXX. Account number XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

He called from this number : XXXX and He started telling me, that I owed {$1000.00} to a credit account I had over 10 years ago, and this account was paid. The statute of limitations is up therefore He has no legal right to try and even attempt to collect a debt in New Jersey. He also said ; I opened a account with XXXX XXXX and that has nothing to do with what he's suppose to be trying to do. 

He also said ; I had 2 judgments on my report and I don't and He wanted me to send him the {$1000.00} ; He also said I was embarrassed, He was very threatening too.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am exercising my rights as a federally protected consumer under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Effective immediately and indefinitely, I am opting out of any and all authorizations I may have provided to your institution, whether written, unwritten, oral, verbal, or nonverbal, as permitted by U.S.C. 6802.

Please process this request immediately and confirm in writing that no further use of my personal information will occur based on any prior authorizations. If any additional action is required from my side, kindly inform me. 
Thank you for your attention to this matter. Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is reporting a late on my account. I have never been late on this account. At this time my account was in deferment. I did not realize this late was on my credit until I checked my credit file. This late on XX/XX/2016 is inaccurate and needs to be removed.
Product: Bank account or service

I opened this CD account ( along with XXXX additional ) approximately 5 years ago. I now wish to close this account, but M & T Bank is making it impossible. When I opened this account I was adamant that I did not wish to have these accounts renewed automatically, I was told at the time I opened the accounts that it would be not be a problem and it would be noted on the account, this was not true. 
I sent my son to the bank on my behalf, I am XXXX XXXX XXXX with a XXXX XXXX and XXXX, and have difficulty getting around. He was told at the branch that the power of attorney that he possessed was not valid and the institution would only accept their own power of attorney form. 
I feel that M & T Bank uses deceptive methods and is attempting to take advantage of a XXXX. 
I am attaching a copy of the power of attorney.
Product: Mortgage

For the last year, I have been making multiple additional principal payments to my Carrington Mortgage Account which are then being misapplied by Carrington Mortgage as monthly payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Equifax and XXXX blocked me from putting freezes cause I've been a victim of identity fraud. I've been a victim of data breaches XXXX XXXX allowed another person to put a freeze on a statement on my account with their name and their contact information and I don't even know this person, and still for the last 3 to 4 years I can't get access to my own account. I can't get my credit report and then when I start disputing stuff because they remove stuff and then put it back on because that's why they block me. This is fraud. The credit bureaus are committing fraud.
Product: Credit reporting or other personal consumer reports

I have called many of times requesting a block be removed that I did not request to be put on my credit. I have sent in needed requested documents for the block to be removed. Nothing has been done about. Each time I call in I am put on for a very long time and then hung up on leaving me in disbelief don't what else to do. Need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$2600.00}, XXXX XXXX Balance {$2300.00}, XXXX XXXX  XXXX Balance {$3100.00}, XXXX XXXX XXXXXXXX Balance {$95.00}, XXXX XXXX XXXX Balance {$380.00}.
Product: Credit reporting or other personal consumer reports

My numerous efforts to address the fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their presence has resulted in significant emotional and financial strain. As an identity theft victim, I am considering legal action if this issue is not properly resolved. These inaccurate and fraudulent entries have impeded my ability to purchase my desired home and provide for my family 's needs, severely impacting my financial stability. For your reference, I have included a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was serviced by XXXX. I have 2 problems : 1 ) They calculated/amortized interest incorrectly. 

As I paid it off every month, some months th iterest expense would be higher than months prior, even though the balance was decliing. 

I took into account the fact that some months have more days than other months. 

I emailed them and called them about 5 times. 

They insisted their accounting was correct. 

I was a XXXX, and I can tell you they over-charged me interest. 

They just sold the loan to XXXX, so they mno longer have my loan. 

I want XXXX to reimburse me for over-charging on interest. 

2 ) On my equifax report - this loan shows under " Derogatory '' category. 
I never missed a payment. When my wife and I considered Chapter XXXX bankruptcy, filed for it, but then VOLUNTARILY had the case dismissed ; being that it was a federal loan, it automatically went into deferral status. I never wanted to quit paying this loan, and never did, but while we considered bankruptcy, they refused payments form me. 

I would like this removed from " Derogatory '' by Equifax and the other credit bureaus, via XXXX 's request. 

i would also like all 3 credit bureau to further mention that my Chapter XXXX bankruptcy - in XX/2013, docket # XXXX, was VOLUNTARILY dismissed.
Product: Credit card

Discover card will not mail me a year end statement. I also need last years statements for taxes. They said I could sign in and print it. I can not sign in. I called them 3 times. They will not mail it like other cards. I cancelled my cards. They XXXX.
Product: Debt collection

on XX/XX/2021, i sent SOUTH MISSISSIPPI COLLECTION a letter about a alleged debt of a XXXX that i dont owe.XXXX XXXX XXXX  sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of $ XXXXSOUTH MISSISSIPPI COLLECTION sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$110.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOUTH MISSISSIPPI COLLECTION has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX, XXXX i saw some hard inquiries that did not have my permissible purpose. I also attached evidence. 

XXXX.EXPERIAN, XXXX, XXXX of XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX ON XXXX XXXX XXXX XXXX ON XX/XX/XXXX. 
XXXX XXXX  ON XX/XX/XXXX These inquiries have no permissible purpose to be on my report. delete these inquiries due to violaton of 15 USC 1681b
Product: Debt collection

XXXX XXXX XXXX filed a a case in XXXX XXXX XXXX, XXXX XXXX XXXX on XX/XX/XXXX. The case number is XXXX. On XX/XX/XXXX, a default judgement was entered awarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$2500.00} which included filing fees and court fees. 

On or about XX/XX/XXXX, I sold my first home. The above referenced judgement was attached to the sale of the property and XXXX was issued a payment in the amount of {$2300.00} ( the amount of original balance ) from my sale proceeds. 

Prior to XX/XX/XXXX, this collection account did not appear on my credit report. I argue that this was never a collection matter as XXXX filed suit to recover the delinquent account balance. Furthermore, the balance has been paid and should be removed from my credit report. 

In summary, I am asserting that XXXX has reported false information on my credit report and as such has negatively impacted my ability to obtain credit. This inaccurate information has been reported and filed with the three major credit bureaus ( XXXX XXXX, and XXXX ). I would like this information to be removed from my credit report.
Product: Checking or savings account

Hello I know I've filed a complaint already. You stated to reach out to IRS to recall this deposit. The IRS turned it over to the Bureau Of Fiscal and they have recalled payment and have sent information to Citi Bank numerous times. I finally spoke with Citi Bank and was informed that they are not responding to the Bureau of Fiscal. They have never tried to do anything knowing this was going in for almost three years now. There excuse now is the account they admit my deposit went into is now closed. They will not give me any more information and refuse to reach out to BUREAU OF FISCAL OF FISCAL WHOM HAS SENT PAPERWORK SEVERAL TIMES. The bank told me they are not liable because the account is closed. Well they knew about this long before the account closed. They are no help. I need them to answer the correspondence from the Bureau so I can receive my funds. I'm not sure what's this banks problem. The bank responded to you to say IRS RECALL THE PAYMENT NOW ITS RECALLED BY BUREAU OF FISCAL AND THIS MATTER IS STILL NOT SOLVED. I HAVE A ID NUMBER FROM BUREAU IF YOU NEED THIS PLEASE EMAIL AND ILL BE Happy TO SEND TO GET THIS RESOLVED. SEEMS THE ACCOUNT HOLDER KEPT MY FUNDS THEN CLOSED THE ACCOUNT NOW THE BANK STILL WILL NOT HELP EVEN AFTER THE BUREAU HAS RECALLED PAYMENT. THIS MAKES NO SENSE AT ALL. YOUR HELP WOULD BE GREATLY APPRECIATED THE BANK REACHED OUT TO ME TO GIVE ME UPDATED INFO BUT WILL NOT RESPOND TO BUREAU OR IRS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$4900.00} XXXX XXXX  XXXX Balance : {$30000.00XXXX XXXX XXXXXXXX Balance : {$61000.00}
Product: Credit card or prepaid card

On XX/XX/2022 fraudulent charges were made on my Citibank card, Citibank shut down my card, contacted me, and I confirmed the fraud. All of this happened within XXXX hours. At the time that the fraud was confirmed and for days later, the charges were shown as pending. 

Thereafter, Citi posted all the fraudulent charges ( {$370.00} ) to my card. I contacted Citi, pointed them to the law indicating the maximum they can charge is {$50.00} and Citibanks policy is to charge nothing. 

Citi refused to remove the charges pending their fraud investigation, claims that despite the charges being fraudulent the charges were authorized by the person committing fraud and therefore authorized and claimed Citibanks fraud investigation was delayed due to XXXX other companies being unresponsive- which begs the point - no charge should have posted to my account in the first place. 

Also, the thief posted credits to my card for some of the same amounts charged at the same vendor. Citibank caught the credits and didnt post credits but posted the corresponding charges. Funny how that works.
Product: Checking or savings account

No access to savings at Capital One Bank. The bank has restricted access to large chunks of my savings for several days, even though the funds have been transferred from my previous bank. I'm essentially without access to my money while Capital One " processes '' the money transfers for extended periods of time up to a week. This has happened with both the checking and savings accounts. Capital One customer service has been either been unresponsive or provided false information. 

I opened a Capital One XXXX savings and checking accounts on XXXX XXXX. At the time of account opening, Capital One gave me the option of transferring funds to the new accounts. I used this option to put several XXXX dollars in my new Capital One savings account, but the deposit never went through for unexplained reasons. Capital One never informed me that the initial deposit of didn't go through -- I had to find out on my own when I checked my new accounts on XXXX XXXX After the initial transfer failed, I conducted a second transfer attempt to my Capital One savings account on XXXX XXXX. The funds ( the same amount as initial deposit attempt ) left my XXXX XXXX checking account on XXXX XXXX but were not accessible in my Capital One savings account until XXXX XXXX. 

I called Capital One customer service on XXXX XXXX. They advised that a faster transfer would occur to my Capital One Checking account ( since XXXX XXXX is also a checking account ) and that I'd have almost immediate access to the funds. From there, it would quicker to get funds into my Capital One savings account ( which pay interest ), my ultimate goal. 

On XXXX XXXX, I conducted a much larger transfer from my XXXX XXXX checking account to my Capital One checking account, as advised. This amount, nearly all my savings, left my XXXX XXXX account on XXXX XXXX. XXXX XXXX is still " processing '' the transfer but says I won't have access to my funds until XXXX XXXX at the earliest! Capital One customer service refused to speed up access to my funds or return them to my XXXX XXXX account. 

The end result is that I'm left without access to nearly all my hard earned savings for more than a week. I simply don't trust Capital One bank when it comes to handling deposits.
Product: Debt collection

Had a company report a debt on my credit prohibiting me from moving forward in the financial realm. Called to see what the debt was for and the company could not tell me. They collected some personal information like my social before I realized it was a scam. The company is called Elevate Recoveries LLC. Based out of Texas and I live in Florida had no idea what these charges could have been from yet they are negatively affected my credit score and my financial life.
Product: Credit reporting or other personal consumer reports

As previously stated they have duplicate entries on my report that are fraud. They have a fraudulent account and have reported a company lvnv funding that bought the fraudulent debt on my report. They Transunion use unethical and illegal practices there is no wonder my information is on the dark web. Transunion has my personal information/data that has been compromised and I am starting to believe they are not an independent reporting agency. I have called XXXX XXXX and they say they never verified any information from Transunion. So why is it still on my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters to XXXX XXXX about wrong balnace reporting on my credit report. I have paid them in full and that should be reporting. unfortunetely its reporting that I owe {$340.00}. Thats inaccurate. I owe {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, has the incorrect address for my current address and I have tried multiple times unsuccessfully to correct it and they still have the wrong address : Correct address is XXXX XXXX XXXX XXXX  XXXX, FL XXXX. 

Transunion has not deleted the XXXX XXXX account # XXXX that was opened on XX/XX/XXXX and date of last activity in this account was XX/XX/XXXX which they also have incorrect, Transunion has reported the date of last activity as of XX/XX/XXXX which is incorrect as this account was charged off years ago. This account is XXXX XXXX XXXX and I need them to delete this account, I have sent multiple letters last one was just sent prior to this complaint as well as I had sent one on XX/XX/XXXX. Under the Fair Credit Reporting Act, debts can only appear on your credit report for 7years. After that period is up, the debt can no longer be reported.

I have tried to deal with Transunion directly but I have not gotten any results. If they do not delete this from my credit report after this investigation I will report this to the FTC. As they are violating my rights.
Product: Credit reporting or other personal consumer reports

I was apart of DATA BREACH. 

Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting of information in their file that resulted from identity theft : REMOVE ALL ACCOUNTS FROM XXXX, EQUIFAX, and XXXX. 

I HAVE THE RIGHT TO HAVE ACCURATE INFORMATION ON MY CREDIT REPORT!