23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had knowledge of this debt by checking my credit report, I disputed the information and explained that it is an account that was opened fraudulently, because this account is not mine, they sent documents saying that if it is mine, obviously account statements and documents of That guy, I told them that it proved absolutely nothing, and they did not delete this account from my credit reports, as a consequence this has harmed my life, I request that this account be eliminated because I have never had an account in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same accounts on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$7700.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$6300.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXXXXXX XXXX
Product: Debt collection

This was a business debt of our XXXX XXXX XXXX owed to ATLAS Financial ; the XXXX was dissolved is XX/XX/XXXX and my business partner took ownership of the debt ; in XX/XX/XXXX discharged the entire amount {$4600.00} in chapter XXXX bankruptcy. 
I was not contacted by collector ATLAS for over four years - even though my phone number never changed. I believed the debt was discharged in bankruptcy therefore did n't know debt still existed. 
In XXXX XXXX I learned through my credit report that {$5500.00} was on public record ; upon calling ATLAS the representative told me their record shows it was satisfied by bankruptcy and they would research why it appeared on my report. 
In the next conversation with a representative I was told I owed over {$7000.00} and it was due immediately. I questioned why and how it could be - since I had heard nothing from them for so many years and my contact info is same. The person replied " we did n't have the manpower to make those calls ''. 
Now that I 've contested the amount owed when it had been discharged ( I was named as co-debtor ) ATLAS has added the interest for the 4+years they never contacted me about the debt. 
If the original amount is due then they could have negotiated how I plan to pay, but within a week or two a garnishment was sent to my employer and the debt shows a total of {$9300.00} and says I have no rights to dispute it. 
It seems some investigation into collection practices, misrepresentations and interest charged while not actively attempting to collect the debt are highly suspect. Adding {$4600.00} interest after ATLAS had totally written me off ( until I called them ) is unreasonable and not acceptable.
Product: Debt collection

This is a complaint from XXXX XXXX against XXXX XXXX XXXX for MCMs failure to provide requested information for the debt alleged. On XX/XX/18, consumer ( through legal counsel ) sent a written request for documentation on this debt, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
Despite the detailed request for documentation and reasoning, Midland responded on XX/XX/18 that they were unsure what the consumer was requesting. A second letter was sent by consumer on XX/XX/18 specifying the concern that Midland has the authority to collect, and again detailing documentation that would show this. It has now been over 2 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting

I sent letter to all three bureaus seeking proof of accounts & bankruptcy but they keep saying all accounts and Bankruptcy are verified not giving any proof. But as per the Act every bureaus should provide valid proof. 
I need to know the next steps and what 's legal remedy we consumer have
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX MI XXXX XXXX XXXX Balance : {$730.00} MI XXXX XXXX XXXX Balance : {$6500.00} MI XXXX XXXX XXXX Balance : {$2600.00} MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

OCWEN purported having foreclosed on account number XXXX, property address XXXX XXXX XXXX, XXXX, California XXXX. XXXX and XXXX XXXX is with information that an payment were made to OCWEN by XXXX XXXX, attorney after the sale of the property at a trustee sale, however OCWEN has not confirmed the payment were received. Please confirm : 1 ) that a trustee sale were conducted by XXXX XXXX on behalf of the beneficiary OCWEN. 2 ) that a " pay off '' were made to OCWEN by XXXX XXXX satisfying the debt. Submit a letter stating a " pay off '' were made.
Product: Credit reporting, credit repair services, 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 items 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/block any items 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. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$2200.00} 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  EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I have been a GOOD customer of American Express for 30 years. I have a good credit rating and yet I am being charged a 22.49 % Apr. I have spoken with several very nice, understanding people at American Express and no one knows why I am paying so much in interest. I am XXXX years old and have an income of {$850.00} a month and I have a mortgage to pay. I just upgraded to another XXXX  card and am shocked to realize I must now pay an annual fee of {$95.00} ( there is NO senior discount ) and this outrageous interest rate. Perhaps if the CEO wasn't paid such an outlandishly high salary I wouldn't have to pay such high fees. I am no longer willing to recommend XXXX to anyone and am saddened at the way American Express doesn't appreciate my business or loyalty. I really feel I shouldn't be charged for an annual card or such a high interest rate. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. The inaccurate address is listed below : XXXX XXXX XXXX XXXX XXXX XXXX
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 15USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has Violate my rights . I looked at my Experian Credit Report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, 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 shall- ( i ) 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. and according to 15 USC 1681s-2 they are suppose to 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

XXXXm a victim of identity theft because of XXXX XXXX Please remove all negative Thanks
Product: Credit card

I have a Kohl 's charge account. 

I added my checking account information to their online system and it shows as verified. I initiated an online payment for my minimum amount due on XX/XX/2016. Kohl 's never attempted to withdraw the payment from my bank. My bank account records confirm this fact. On XX/XX/XXXX, I was charged a return check charge and the payment was reversed. 

I verified on my account page that my routing info is entered correctly. The system only allows you to see the last XXXX digits of your bank account, but I also confirmed that. Further, I confirmed the account number by entering it XXXX when initially adding the checking account on the Kohl 's website. 

Kohl 's erroneously failed to submit my payment to my bank correctly and then charged me a returned check fee. However, there were sufficient funds in my account at the time I submitted the payment and I provided Kohls with accurate routing and checking account number information. 

Upon a cursory XXXX search, I found that I am not the first person that this or something similar has happened to and that Kohls is engaged in a pattern of this behavior in order to collect extra late fees and reverse check fees from customers who pay their accounts diligently and on time. 

I will pay the balance of the Kohl 's charge in store to avoid any further incidents of this sort.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Here is the account : XXXX XXXX-Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am trying to assume a loan in my name only. I was separated and later divorced. We purchased the investment property in XXXX. We separated in XXXX at which time I began to make all the loan payments Chase. In XXXX XXXX we divorced and I was awarded the house. In XXXX XXXX I made application with Chase to assume the loan. It is now XXXX XXXX and I am still trying to assume the loan. Each time I submit documentation, underwriting keeps asking for new pieces of information.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had Fraudulent inquiries and accounts on my report. I have since made a police report at the XXXX Police Department for identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are committing identity theft, they are using my personal informatiomn for their monetary gain. per 15 usc 6802 through 15 usc 6805. As well the financial institutions that furnished the information to the credit reporting agencies never gave me a chance to opt out of them reporting my personal information therefore id like to take this time to officially opt out of the Accounts listed in the attachment.
Product: Credit card

I have been struggling to log into my account at Citi and had been unable to do it. I received a notice from Citi today ( via text, which is insecure, and using a URL which was not Citi 's typical landing page- which could be confused with phishing. ) This was my first notice about my payment. I finally managed to log in and identified that I had just been charged a late fee and interest. The late fee ( {$30.00} ) was in excess of coming requirements and was charged at XXXX dpd. There was no attempt to contact me before fees and interest were charged. I attempted to complain but there was no option to do so on Citi 's site ( the help menu directed me to a branch, and being currently in Montana, there are none. ) There was no option to complain online shown so I'm giving feedback via this channel. 

It would appear that this method ( waiting to notify customers until just after fees were charged ) would constitute UDAAP. I would challenge Citi to explain to the CFPB why waiting until after fees to charged is a fair, acceptable and non-abusive practice.
Product: Money transfer, virtual currency, or money service

I bank with Chase bank. On XXXX/XXXX/XXXX, money from my savings was moved to my checking account, and via a feature offered by Chase XXXX XXXX XXXX, {$2000.00} was paid out to an unknown person. The next morning when I noticed this was done, I called Chase and they attempted to reverse the payment, which failed, and was unable to get my money back. I filed a claim with Chase, and they credited my money back while they investigated. During this time I had closed all my accounts, changed my online bank name and passwords, and opened new accounts. About XXXX months later the {$2000.00} was removed from my account, and on a follow up call they had notified me that the claim was denied, stating that because the transaction was done on the mobile device I typically use, they do not have enough evidence to prove it is a fraudulent activity. I had filed a complaint with XXXX and have not followed up on this until now.
Product: Student loan

i was going to this private school called XXXX ( XXXX ) for XXXX program. while i was doing my XXXX the school was shutdown by the government. however the place i was doing the externship kicked me out because is shutdown. we supose to finish XXXX hours at XXXX to finish the school. I was almost there but somehow i was really disapointed when the school shutdown. So the weirds thing is this company that fasfa connected who paid my loan still asking me about the loan and keep adding some interest. i would like to get help for this because i didnt finish the school and i paid some of money and also i wasted my times. so i would like to get some help about this. thank you
Product: Credit card

I receive a promotional mailer ( not a statement ) with XXXX printed blank checks to be drawn from my Southwest Rapid Rewards ( Chase ) credit card at least once a month soliciting a cash advance. They claim the APR is 0 % for the first year. Since a minimum 2 % fee is required, I calculate the APR at a minimum 2 % if the borrower paid no principal during the first year. The APR would be greater than 2 % if the borrower paid the principal down in the first year. This would appear to violate Reg. Z as it is more the .5 % different that the stated APR of 0 %.
Product: Credit reporting or other personal consumer reports

Experian, I am writing to express my strong disagreement with the accounts listed below that continue to appear on my credit report, even after your investigation. I insist on an immediate re-investigation of these accounts. The inaccuracies are significantly impacting my XXXX XXXX, and this matter requires urgent attention. 
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  : Not listed XXXX : Not Listed ** ] Closed ( XXXX ) Updated ( XX/XX/XXXX through XX/XX/XXXX ) XXXX : Not listed XXXX : Not listed I must emphasize that repeatedly reporting charge-offs every month is not in compliance with the law. Each update extends the statute of limitations and makes the account appear more recent than it actually is. Re-aging accounts is a serious violation of credit reporting regulations. 
The XXXX XXXX account was charged off in XX/XX/XXXX with a charge-off status. The XXXX XXXX XXXX account was charged off in XXXX. Since then, these accounts have been updated as charge-offs every month, which is incorrect. A charged-off account should not include an active payment history. This inaccurate information inappropriately affects the statute of limitations. 
Your investigation appears to have been inadequate, and this oversight has infringed upon my rights. Furthermore, the inconsistent reporting of balances and accounts across bureaus is also a violation of credit reporting laws. 
I would like to remind you of the relevant legal provisions : - Section XXXX ( a ) ( XXXX ) of the FCRA prohibits furnishing inaccurate information to credit reporting agencies. 
- Section XXXX ( a ) ( XXXX ) of the FCRA requires furnishers to provide accurate information to credit reporting agencies. 
- Section XXXX ( a ) ( XXXX ) ( A ) requires furnishers to provide accurate information to credit reporting agencies. 
- Section XXXX ( b ) outlines the duties of furnishers to correct and update information. 
Based on these violations, I am formally requesting the deletion of the above-mentioned accounts. 
In accordance with The Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, please provide the names and business addresses of each individual with whom you verified this information so that I XXXX follow up as necessary. I expect to receive an updated copy of my credit report after your re-investigation. 
Your prompt attention to this matter is appreciated, and I look forward to a timely resolution of these issues. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Wells Fargo switched my account from paper billing to electronic billing without my consent in XXXX of XXXX. Due to me no longer receiving paper bills, I accidentally missed one payment. This was the first payment I ever missed and once I noticed the issue, I promptly corrected it. My history with Wells Fargo clearly shows I pay extra principal for every mortgage payment. Wells Fargo customer service confirmed they switched my account to electronic billing but never took responsibility for this. Wells Fargo reported the missed payment to the credit card bureau and refuses to take any responsibility for their unethical behavior. Before and after this incident occurred I was attempting to refinance my mortgage out of an ARM. Now, I was just told I am unable to do so until I have a 6 month clean payment history. Thus, due to Wells Fargo 's malicious interference in my account, I will be financial penalized for their misconduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never even went to school to have student loans. I pulled my own credit report and saw a various fraudulent accounts that did not belong to me. Please delete these accounts from my credit report. 

XXXX XXXX XXXX  XXXX {$5400.00} XXXX XXXX {$7100.00} US DEPT OF ED/XXXX/XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$26000.00} US DEPT OF ED/XXXX/XXXX  XXXX {$11000.00} XXXX XXXX  XXXX {$21000.00} XXXX  XXXX XXXX  XXXX {$7300.00} XXXX XXXX  XXXX {$12000.00} XXXX/XXXX  XXXX {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige financial keeps showing my account as a new date over and over. 
The account is a write off as of XXXX possible the first of the year XXXX, Prestige is showing my account as of XXXX XXXX. 
This this showed back up on XXXX XXXX in XXXX. And they are adding onto the amount showing a late fee. 
lI have disputed this through XXXX XXXX. They did get this taken of in the previous attempts that Prestige went back in a placed a different date on the account. 
Please make them stop.