23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX billed for six years then turned to cll. agency afyer I paid them without missing a payment for over six years!
Product: Checking or savings account

This is to address my complaint that i file with my bank PNC Bank @ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX ) I File a Dispute with my banks Dispute Department on the following Date XX/XX/2023. The Bank in turn issue a Provisional credit to my checking account for the amount of {$180.00}. 

I provided supporting documents/evidence in the form of the following : itemized statement/receipt showing the payment was made to the merchant, The XXXX XXXX XXXX XXXX thru other means. The amount of the payment was as follows : a partial payment of {$120.00} that was listed on the itemized statement/receipt that i provide from XXXX XXXX XXXX and a partial payment of {$59.00} using my pnc bank issue PNC Bank Debit Card , that would bring the total amount of the readmittance to {$180.00}. For the payment due the XXXXXXXX XXXX XXXX XXXXXXXX for the month of XXXX, to the said amount. 

I also provided all of my evidence to both the Email and Fax number that the bank provided which is as follows : Email = XXXX, and the Fax number = ( XXXX ) XXXX. This information Proof of Evidence was provided by me to my bank not once, twice, but three times on different occasions. 

Finally On XX/XX/2023 i receive a letter from PNC Bank Basicity stating that they had completed there investigation into the matter and they needed a itemized statement/receipt for which i had already provided three times previously. 

So in Essen that they would be reversing the temporary Provisional credit on XXXX that the Dispute department had issue to my checking account of {$180.00} on XX/XX/2023 when i first file the dispute.
Product: Debt collection

I have requested multiple times that the debt collector Mullooly, Jeffrey, Rooney & Flynn LLP ( MJRF ) do the following : 1. Direct all mail to my XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX 2. Call me XXXX XXXX They insist on sending letters to " XXXX XXXX XXXX '' and to my physical address. 

This is problematic as I live on a busy road and stuff from the mailbox routinely goes missing. I have complained to the post office, but not gotten anywhere. 

I therefore must insist that they start using my preferred address and calling me by my preferred name. 

I would note, everything of importance I have mailed to my po box , which they'd know if I actually owed the debt ( which I do not ).
Product: Debt collection

In late XX/XX/XXXX, I was notified through XXXX XXXX, that XXXX XXXX  had placed a collection item on my credit report. I called XXXX  and spoke to a representative. I advised them that I have not been a student in near 18 years and was unaware of any private loans or balances owed to anyone. The woman stated the only information she had was that the account was purchased in XX/XX/XXXX. I requested verification of debt. I have never received such. I disputed the account through XXXX XXXX and the account was removed from my credit report. I have now been advised again that they are reporting this debt. I am unaware of any outstanding debt owed for higher education. Furthermore, I have never received VOD upon request to the company. The Company, in effort to avoid illegal practices under the FCRA and FDCPA are placing an account with an open date of XX/XX/XXXX. If there was a higher education debt, it would most certainly be time barred as I have not been a student in nearly two decades. The company would be manipulating the date of the account in order to credit report it. This would be a direct violation of the FDCPA ( deceptive means ) and the FCRA ( manipulation of date ). I Demand the account, without negative effect or notation, be removed from my credit reports immediately. I have suffered damages as a result of Deville 's illegal and unfair practices.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I checked my EXPERIAN CONSUMER CREDIT REPORT AND I HAVE INACCURATE HARD INQUIRIES THAT DON'T BELONG TO ME AND I NEVER GAVE MY WRITTEN CONSENT OR A PERMISSIBLE PURPOSE The following Inquiries are inaccurate and need to be REMOVED IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 IS BEING VIOLATED 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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

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 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$63000.00} - Charge off- XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$8.00} - Late/Open - XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Open- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX $ XXXX Late/Open- XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Open
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
in frequent that you do not acces y, rei ep it pie port artie e ne edit credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Mortgage

my mortgage is with Flagstar Bank. I have tried for months to work with this company to resolve the forbearance issue and make payments. This company has denied the loan modification request, backlog my forbearance amount the end of the loan, refused to provide any help so I don't lose my home.
Product: Credit card or prepaid card

I am writing about American Express Business Platinum card. I called Amex on this number XXXX to asked for a retention offer on XX/XX/2018. After looking into my three-year account history, the representative offered me two retention offer. One is getting XXXX Amex rewards points without spending requirement and another is a higher offer with spending requirement. When I asked him to repeat the offers again so that I can write them down to consider, the offer became getting XXXX Amex rewards points without spending requirement. I pointed it out that my offer was XXXX amex points 5 seconds ago. He simply said he read it wrong at the first time. The best he can offer is XXXX amex points without spending requirement. I asked to speak to a manager. He said he is the manager and this is the best retention I can get. I asked to speak to another manager. He insisted there are no other managers around at that time ( it was around XXXX XXXX EST ). I  ended up believing what he told me. Reflecting on our conversion, I am very uncomfortable, dissatisfied and angry with the customer service I received. Obviously, he was lying to me and took advantage of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX XXXX,2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to 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.

According to 15 U.S.C 1681s2 ( 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed a few incorrect addresses. I live at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX and that should be my only address on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off a debt validation letter on XX/XX/2022 via registered certified US mail that was never responded to nor acknowledged by XXXX XXXX. Pursuant to 15 USC 1992c ( d ) I had my wife to complete a recorded call and speak with a representative about deleting the account in the amount of {$14000.00} off of my credit report as I have never given consent for them to report on my behalf ( 15 USC 1681a ). She unlawfully refused to speak to my wife citing that she is not account holder when my wife is lawfully able to speak as a consumer ( 15 USC 1992c ( d ) ). Also, this account is fraud and identity theft as the consumer credit transaction of the alleged account is already completed ( 18 USC 1028a ).
Product: Debt collection

Received a subpoena case number : XXXX stating the plaintiff as XXXX XXXX, however the document also states that it 's from a debt collector. I contacted XXXX XXXX with my soc sec # and there is nothing in there records since I do not have any type of accounts with them. I pulled my credit history and XXXX reported me delinquent on some unknown balance. ( The amounts were close so I assumed that XXXX sold the debt to XXXX XXXX ). Either case I have never received warnings either from XXXX or XXXX XXXX. How do I go about this? It is obviously illegal since I do not owe XXXX or XXXX XXXX. This debt collector is false representing XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I was shocked when I reviewed my credit report and found late payment in XX/XX/2020 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

Nothing also there was a data breach and I was affected
Product: Prepaid card

XX/XX/XXXX chatted with a rep got no help about where the card was accepted
Product: Checking or savings account

It all started XX/XX/XXXX XXXX pm when i received a message from Chime bank saying that my account information had been updated to a diff email and phone number that i had no idea and was signed out of my account. I call Chime immediately to report the issue. Spoke with rep name XXXX told me that i needed to send a copy of my ID and last four of my SSN and correct email ( XXXX ) hacker changed it to XXXX so every time i call they have trouble finding my account until they pull ticket numbers # XXXX is one of them, XXXX told me to try signing into my account within 24 hours, next day came could not access my account called back and was told the account had been closed and will not reopen, asked for a supervisor XXXX # XXXX told me to submit a police report and wait about 48 hours for them to investigate my account, days passed here we are 2 weeks later im still being told that there is nothing they can do and that i will not receive funds. XX/XX/XXXX i received my federal income tax into the Chime account in the amount of {$6100.00} total amount in account with my job funding is {$7400.00} they have never emailed me with and update and every time i call they say i will receive email within 24 hours..
Product: Money transfer, virtual currency, or money service

was tricked into sending a wire transfer for loan closing by intercepting the email conversation with the title company XXXX in the amount of XXXX contacted the bank about it and they have filed a case
Product: Credit card or prepaid card

I have a loan with CHASE CARD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CHASE CARD with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XX/XX/2016.
Product: Debt collection

I reach out to Wakefield and Associates multiple times to attempt to get proof of the debt they have reported to my credit report. The company will not respond to emails about this debt. I called the collection agency on XX/XX/2022 to attempt to get proof of the debt. I was told I would get an itemized statement within 2-3 weeks. I called the collection agency again on XX/XX/2022 to request the itemized statement and proof of claim for a debt they are saying that I owe. I recorded this phone call with their representative and I was told at this point they do not provide proof of debt. I was told over the phone the debt is valid and I have to pay it. I waited again and made another phone call on XX/XX/2022 to attempt to get proof of the debt once again. The representative I spoke with at this time told me I have to send an email to XXXX which I sent an email at this time again attempting to verify a debt they say is mine. Today is XX/XX/2022 and I have still not received a itemized statement after requesting well over 30 days ago. The debt is still reported to 3 major credit bureaus. I would like this debt removed as they will not provide me any proof of claim.
Product: Credit card or prepaid card

Hello, I bought items from XXXX in early XXXX totaling {$6100.00}. Due to a system error on their part, they were not able to verify my identity and closed my account for security reasons. They canceled several of my orders and blocked me from the account. I called the merchant and my bank noting I did not receive all my items mid to late XXXX, yet was charged anyways. The bank filed a fraud report, instead of a dispute billing, due to a miscommunication. After the fraud report failed, it was learned it needed to be disputed, however because the case was closed, they needed more details. I have worked with XXXX from XXXX several times, including a 3-way call, to get this resolved. Because the account was blocked, XXXX ( manager at XXXX ) can not research, refund, or start a return process. The bank keeps denying to open the case again, requesting more details. Following what they requested, they still deny asking for more, even though there has been 2 emails matching what they requested and a 3-way call with XXXX. Because XXXX can not get into my account, they can not proceed a refund from their end.
Product: Credit reporting

The security questions with each of the credit bureaus have indicated that accounts have been established in my name. There seems to be a vehicle loan, mortgage loan, and a jewelry account in my name after honestly answering " None of the Above '' for each of these. I 'm XXXX and have just joined the military and I have not been able to track my credit score for a while. Please, provide a remedy or help me in this matter.
Product: Vehicle loan or lease

I had a car loan with Capital One Auto Finance I purchased a XXXX XXXX XXXX. I took out XXXX XXXX when I purchased the vehicle. I had a XXXX XXXX in XXXX XXXX and the insurance declared my car a total XXXX. I filed a claim with my insurance company, XXXX XXXX. XXXX requested a payoff from Capital One Auto Finance they paid what the value of the car was at the time. XXXX XXXX covered the remainder amount owed. Capital One Auto Finance is reporting that I owe them more money when my account was paid in full through XXXX and XXXX XXXX. I want this account removed from my XXXX Credit Report. My loan with Capital One Auto Finance was satisfied in XXXX through XXXX and XXXX XXXX.
Product: Debt collection

I learned of this debt while pulling my credit report. I never recieved a letter to verify this debt. I contacted this company telling them I did n't remember or know of when I could have had a XXXX dollar hospital bill and I would like proof of this debt they informed me they could not do this and proof was up to me not them. I then told them I did n't believe this was a correct debt but I would settle to get this resolved and I agreed to XXXX if they would send me a letter stating our agreement and they refuse to do so. They want me to blindly pay XXXX dollars to settle an account that I do n't even believe to be mine without any proof of this agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit act 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 account without my written instructions XXXXexperian XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX acct XXXX XXXX {$6500.00} XXXX XXXX XXXX acct # XXXX {$500.00} XXXX XXXX XXXX XXXX acct # XXXX {$3700.00} XXXX XXXX # XXXX {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( s ) : XXXX XXXX XXXX # # # # # # # # XXXX XXXX  XXXX XXXX XXXX # # # # # # XXXX XXXX XXXX XXXX # # # # # # XXXX XXXX  XXXX  # # # # # # # # XXXX XXXX XXXX XXXX XXXX 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 A, Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX XXXX for Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding ongoing inaccuracies in my credit reports related to a leased vehicle that was eventually deemed a lemon under Californias Lemon Law. Despite multiple assurances from XXXX XXXX XXXX that my payment history would be cleared as a goodwill adjustment, the inaccurate information persists across all three major credit bureaus. 

Background of the Issue In XXXX, I leased a vehicle from XXXX XXXX XXXX that soon developed significant mechanical issues. The car spent several months in the shop, during which time I did not have possession of the vehicle. Despite this, I continued to make lease payments on time, as agreed. Eventually, the vehicle was deemed a lemon under California law, and XXXX XXXX XXXX assured me that as part of the resolution, my payment history would be cleared as a goodwill adjustment due to the significant inconvenience and financial burden I endured. 

However, despite these assurances, my credit reports with XXXX, XXXX, and Equifax still reflect multiple late payments that should have been cleared. Specifically : XXXX & XXXX : 30 Days Late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax : 30 Days Late on XX/XX/XXXX Account shows as current as of XX/XX/XXXX, which is inaccurate as the lease has since been terminated. 

Attempts to Resolve the Issue I have made numerous attempts to rectify these inaccuracies directly with XXXX XXXX XXXX and the credit bureaus, but the errors persist. XXXX XXXX XXXX refusal to correct these mistakes has resulted in significant financial harm, including the deterioration of my credit score, difficulty obtaining financing, and potential loss of favorable credit terms. 

This ongoing issue represents a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that companies furnish accurate information to the credit bureaus. XXXX XXXX XXXX failure to correct this known issue despite multiple opportunities to do so is not only negligent but also unlawful. 

Impact of the Inaccuracies The inaccurate reporting of late lease payments has severely impacted my financial situation. The vehicle in question was in XXXX  possession for several months due to its mechanical failures, during which I continued to make timely payments. These late payments should never have been reported, as the lease was under dispute and ultimately voided due to the vehicle being declared a lemon. 

The financial loss I have incurred due to these inaccuracies is significant, including higher interest rates on loans and credit cards, rejection of credit applications, and an overall decline in my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Debt collection

I did not receive notification on the charge off due to not communicating. I paid XXXX until I was unable to pay so I tried to consolidate my debt by doing relief programs. Those two debt relief programs were XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX Those two law firms told me to not pay and not to answer phone calls and how they suppose to handle the creditors. That was during the time frame XXXX Charge it off and Jefferson Capital got involved by buying the debt. I have a XXXX and Im going through a lot with hardship. XXXX and Jefferson Capital didnt even considered reaching out to see if my two law firms for deal. So Jefferson Capital put on more interest on the loan and suing me in court. I got court for pretrial on XX/XX/year>.