23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have never incured debt with XXXX XXXX XXXXXXXX XXXX XXXX I have disputed this successfully with both XXXX and XXXX ; XXXX, for some reason they are still on my Trans Union report XXXX 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was medical services rendered- it should have been well handled by my medicaid. This is clearly a billing error that I was not aware of and then was pushed to collections.

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for four years after the service was rendered or last payment recieved. As most companies take a minimum of three to six months to collect debt privately and this debt was accquired by XXXX XXXX XXXX of XXXX Nevada on XX/XX/2016 it would make it WELL beyond statute for both unsecured open ended debt of 4 years as well as secured and written closed debt of 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I tried to reallocate some of my lines of credit with American Express. I tried moving some of my money around to accomplish this and it triggered a financial review. I sent American Express all my financials and things checked out fine, except that they imposed a limit on my American Express Platinum card.

As frustrating as this news was, I was excited to have more credit appear on my credit report because without the limit imposed, the card is a charge card with no limit. I've been waiting for this limit to show up on my credit report but it hasn't. Can you please help me?

The financial review process was long and frustrating having my accounts inactive, I would really like for this new Credit Line limit to show up with no hassle.

Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  the following accounts/inquiries has violated my rights, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 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

I want to file a complaint to TRANSUNION. As per the Fair Credit Reporting Act everything must be 100 % precise on my credit report. My account was properly investigated by the credit bureaus, but how is that possible when the open date, date of last activity, balances, and date of the last report are all incorrect? This ground for evacuation they likewise abused my freedoms.

I have the right to privacy, as stated in 15 U.S.C. 1681, section 602 A. Section 604 A of 15 U.S.C. 1681, Section 2 : Additionally, it states that without my written instructions, a consumer reporting agency can not provide an account. Additionally, it took the credit bureaus more than a month to finish my investigation.
Product: Debt collection

PRA had my truck repossessed and Ive had my truck for XXXX. My debt was taken care of in bankruptcy court back in XXXX. Now its XXXX and they say I owe on my vehicle they have a lein from the creditor from XXXX. I informed thats not possible especially when my bankruptcy cleared after XXXX yrs and any debts were passed statue of limitations and were considered time barred debts and in after XXXX yrs these debts cant be collected on nor any collateral be seized if that was the case. I have not received any information concerning any debt that is owed : no paperwork has been presented to me at any time stating that I ever owed any debt in the past XXXX yrs nor will they give me any details of what I owe. This is illegal and they came onto my private property without notice. I have no collections or any negative items on my credit for any negative items. Need assistance getting my vehicle back immediately.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be DELETED from my file right away 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
Product: Checking or savings account

On XX/XX/XXXX I checked my Schwab Bank account and found a not saying 'CLIENT REQUEST NETCSH '' and my entire balance ( {$47000.00} ) had been deducted from my portfolio on XX/XX/XXXX. I messaged the online service and was told that my account was closed and a check was sent to my address on file. 

I called the bank 's 24/7 hour hotline and was told they had no information but I could call during business hours ( in 2 days ) to speak with the department. I received no email, message or response about such a large and sudden change to my account. I will call when the department opens, but at a minimum this is extremely frustrating that the bank could let something like that happen without any notice.
Product: Payday loan, title loan, personal loan, or advance loan

Another loan with an illegally high interest amount in state of Georgia.. can not afford to pay this loan
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 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 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  All of these accounts 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XXXX XXXX FAIRWAY COLLECTION  added a derogatory mark on my credit report to XXXX & XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection, also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA FAIRWAY COLLECTION has violated my rights as a consumer and I am requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed. I have been a victim of identity theft. 

XXXX XXXX XXXX {$93.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$280.00} XXXX XXXX {$8500.00}
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I entered the hospital by ambulance, had XXXX XXXXXXXX and then my XXXX went into XXXX. It was a serious issue and I have had other hospital visits about this. 
On XXXX, XXXX I was moved by ambulance to a recovery center to gain strength and to help me to walk with a walker. 
I came home on XXXX XXXX, XXXX. Then I saw the XXXXChase cc card bill. I paid for my charges on the bill. I closed the account. I contacted Chase to report them as unauthorized. 
The charges : XX/XX/XXXX @ XXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$96.00} XX/XX/XXXXXXXX @ XXXXXXXXXXXX XXXX and XXXX # XXXX {$120.00} XX/XX/XXXX @ XXXX XXXX XXXX XXXX  # XXXX, XXXX {$370.00} XX/XX/XXXX @ XXXX XXXX XXXX XXXXXXXX # XXXX {$150.00} XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} I contacted Chase many, many times and explained what happened to many people. I gave them all the information I could remember at that time. I sent the hospital notes of official dates of arrival and discharge dates. They asked if I loaned the card to anyone or left it sitting out. NO. My card was at my house until I was moved to the rehab, in XXXX. I believe my husband brought my purse to me and I didn't know it. I wasn't really awake at first. He doesn't remember. It may contradict the info I gave Chase in the beginning, but I answered the best that I could remember. So, I am guessing that I was stolen out of my locker. I was asked by a Chase person that maybe I decided to go " shopping '' while in the ambulance to rehab. 
I answered their questions the best I could. If I buy something I pay for it. I am XXXX and too old for such theft. I do believe they thought it was me since the start. Apparently the person had the card because it couldn't be used with out it being in their possession. No matter what, these are not Authorized purchases. They still remarked I was responsible. 
They never mentioned that I should have filed a police report. Not sure that would have helped. Can I do one now? I am at a loss of what to do. I wouldn't pursue it if I did the charges. I am so tired and angry and frustrated. I hope you can help. Thank you for your time. 
XXXX XXXX
Product: Debt collection

I received a letter ( post card actually ) from Credit Management L.P. at XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. Phone number XXXX. Reference # XXXX. They claim I owe {$850.00} to XXXX Internet Cable and Phone. 
I have never had an account with XXXX, nor is XXXX even available in my area.
Product: Debt collection

This account is a fraudulent account remove immediately, this account is in violation of my consumer rights and defamation of character
Product: Debt collection

XXXX sent me to collections immediately after I cancelled my service, I returned their Booster equipment and received credit, paid the remaining {$500.00}, via payments on my credit card. Since then, i 've been contacted by XXXX different collection agencies. XXXX telling me I owe over {$1800.00} to the last XXXX stating I owe over {$800.00}. I have been getting calls as early as XXXX and as late as XXXX, 7 days a week and they have started contacting my employer. I am now on a written warning regarding this issue. When I call I get threatened, obscenities and being told " too stupid to pay my bils ''. I left a final message with them demanding a formal notification of the debt, with proof from XXXX that it has not been paid. I NEED the calls to stop, it has begun to cause my migraines to increase limiting the days i am able to work. 
When I spoke to XXXX on XXXX, I was told they have no record of my debt owed ... so I have no idea what to do. I know I paid off XXXX., they are attacking my credit, my home and now my work.
Product: Credit reporting or other personal consumer reports

Long story short, I am in the process of closing on a house with a VA loan. We found out that Wells Fargo was not reporting my truck payments for over a year on a loan that was opened on XX/XX/XXXX. I had no idea that this was the case until my home loan was going into underwriting and my loan officer brought it to my attention as it all of a sudden appeared on my credit report as of XX/XX/XXXX. I went through pre-approval in XX/XX/XXXX. Wells Fargo essentially had my loan reported as in forbearance for over a year even though I was making all of my payments and on time. 

I am expecting to close on a house on XX/XX/XXXX and Wells Fargo claims they can not expedite the reporting fixes and the letter that the finance company is requesting to repair my credit report. I began discussions with Wells Fargo on XX/XX/XXXX and have spoke with them every day since. They still can't answer when this will be resolved and claim they have escalated the case. 

I am a first time home buyer trying to utilize my VA loan. With interest rates being as high as they are today, it's already tough. I would like to be able to close in a timely manner before it gets even worse.
Product: Vehicle loan or lease

I took out a loan from Ally Financial i n  XXXX . First payment due on XX/XX/XXXX in amount of {$470.00}. I paid an additional {$100.00} per month towards principle, for a total payment amount of {$570.00}.    I also made Principle  payments on XX/XX/XXXX of  XXXX  ;  XX/XX/XXXX of {$5000.00} ; and  XX/XX/XXXX of {$3700.00}.   On XX/XX/XXXX  I submitted a final payment of {$1400.00}. Mailed with a letter, & amortization schedule to the listed address on the back disputing the amount they stated I owed. Then nothing till I received a statement in  XXXX  stating I still owe them {$82.00}. Which is the interest from miss-applying my monthly and one-time payments.  <P/> I called on numerous occasions to ask why my payments have not been applied properly. My first call was  XX/XX/XXXX . Ally was taking the extra $  XXXX  month and applying them toward future payments even after I asked them to be applied towards principle. Ally even applied my one-time principle payments towards future payments instead of loan principle ( with the exception of the {$1500.00 } one ) . By Ally applying my payments in this manner they have inflated the amount of interest on my account. Now, while I have been attempting to settle this account and claim the title, they are threatening me with damaging my credit report and not sending me the title of the vehicle as well as taking further legal action.  <P/> Please help me with this matter. I understand it is not that much money, but if they are doing this to all their customers that would be Millions of dollars in extra revenue. And I have been unable to make any headway with them. They wo n't even let me speak with someone in accounting about my account.  XXXX   XXXX  just wants to collect money even if it is not their 's.  <P/>   Attached below are ( 6 ) files documenting and backing up what I have stated above.
1. Is my Final payment letter.
2. Is an Amortization Sch. for the loan.      3. Is a copy of my Final Check 4. I s   XX/XX/XXXX    Statement from Ally 5. Is the latest Call recording with Ally 6. Is a record from Ally of my payment History. Documenting how they applied my payments.
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED 3 LATE PAYMENTS WITH DISCOVER BANK. THESE PAYMENTS WERE ALL INITIATED BEFORE THE DUE DATES IN XXXX  AND XXXX BUT POSTED LATE DUE TO USPS DELAYS. DISCOVER BANK HAS FAILED TO CORRECT THE ERRORS AFTER MY DISPUTE. THE INCORRECT LATE PAYMENTS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

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

I discovered that some of the information on my credit report was 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 correct : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING INACCURATE INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Product: Student loan

I have had $ taken out of my check at my work for nearly 3 years and have never received a statement or any documentation showing this. My employer is not giving me any documentation of anything in writing stating how or why money is being taken. They were only able to provide me a phone number and case number. After XXXX the phone number, I traced that back to Allied Interstate, who I 've never done business with our signed anything authorizing them to act on my behalf. I have not received any statements of my payments or other information. I am also reporting this to the State of Ohio Attorney General 's office, as this company 's address is listed in Ohio on their website. 

I have requested that this company communicate with me only via email, as I will have a record of documentation. I have requested a statement of my account. I have requested a statement documenting the chain of custody of my accounts from the time that I signed my loan documents. I have requested every document that you have my signature on. I have never had a load through Allied Interstate. 

In research RE : student loan collection, I 've read that the collector must be able to provide chain of custody documenting how they have come to hold the loan. I have not received any documentation as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting my negative account over 7 yrs. they have made false reports about account being late 4 after years. i was late for payment first year of loan and they arrear balance..fcra states 7 years. i disputed information with experian.trans union and equifax. stating first late payment was XXXX..when first late payment was XXXX..due to hardship i was going thru. unable make payment they agree to arrear two months payments XXXX..i wish have remove immediately from all credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal private info was leaked in the Equifax security breach.
Product: Checking or savings account

In the last two years I have noticed that funds are being withdrawn from my account and not by me. I have reached out to both banks about this and every time they tell me that there is nothing they can do. Changing my debit card has not worked, I replaced one so often with Navy Federal Credit Union, that they removed my debit card service for 3 years. I had my mail stolen and it contained my drivers license and I requested surveillance be checked for all withdrawals in order to find the offender. I think a person goes into the bank with my ID and the teller does not check correctly for identity match. The tellers seem to know that my money is being stolen and transactions on my bank statement are transposed to reflect establishments that I didn't make the charges with. I need help with XXXX XXXX  and Navy Federal Credit Union. The amount of stolen funds is over XXXX.
Product: Money transfer, virtual currency, or money service

I did an instant deposit of {$120.00} fro. CashApp to an unauthorized bank account. I have no idea how this bank account was on my CashApp account ; I've only had one bank for a very long time. They had the capability to refund and return the money but refused to do so.
Product: Debt collection

I received an email account status alert from American Express about my platinum card that has a XXXX balance demanding payment. Email mentioned below. 

Dear XXXX XXXX : You have another American Express ( R ) Account which is impacting our credit decisions on the account referenced below. 

Please be aware that new charges may be declined on the account ( s ) listed within the Account Summary section and any other card products associated with this account ( s ) ; and ( if applicable ) you should advise any additional Card Member ( s ) that their new charges may also be declined. 

Make a payment on your other American Express ( R ) Account so that the account is paid up-to-date. 

We offer several convenient ways to make a payment : Online - You can make immediate or scheduled payments online at americanexpress.com/pbc By Phone - Call us anytime at XXXX ( XXXX ) AutoPay - To help you pay on time in the future, enroll in AutoPay to schedule ongoing automatic payments at americanexpress.com/autopay Mobile ( Card Products Only ) - Download our mobile app or visit americanexpress.com using your smart phone or tablet Sincerely, American Express Account Services Account Summary Account Ending : Total Due : Platinum Card ( R ) {$0.00} American Express ( R ) online customers may receive this notice at both their mailing and email addresses. 

Contact Customer Service | View Our Privacy Statement | Add Us to Your Address Book This is a customer service e-mail from American Express. Using the spam/junk mail function may not block servicing messages from being sent to your email account. To learn more about e-mail security or report a suspicious e-mail, please visit us at americanexpress.com/phishing. We kindly ask you not to reply to this e-mail but instead contact us securely via customer service. 

Copyright 2016 American Express. All rights reserved. 

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