23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a validation of debt letter to Harris & Harris Ltd. They were attempting to collect a debt of behalf of XXXX XXXX. Harris & Harris have not validated the debt it has been eight months. I sent my letter on XX/XX/XXXX via certified mail tracking number XXXX. This company caused me to loose my lottery license and job at the XXXX XXXX. The debt is was not validated and is not on my credit. Harris & Harris also is not licensed to collect in the state of Maryland.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$190.00} XXXX XXXX  XXXX XXXX Balance Owed : {$2200.00} XXXX  XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX TO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I was approved for {$1800.00}, for my son to get car repairs. The loan # XXXX was for roughly {$1300.00} worth of work. The payment agreement was for roughly {$120.00} every two weeks to be debited from my bank account. My son 's banking information has been put on the account for the funds to be directly debited from his account. Recently he made a payment of {$100.00} on or about XX/XX/XXXX, which was slightly less than the amount due on XX/XX/XXXX. On or about XX/XX/XXXX, I received a text indicating the payment was past due for {$20.00}. I immediately called and made the payment to bring the account current. The next payment was due XX/XX/XXXX ; however, for some reason it did not go through my sons account for {$120.00}, ACIMA collected a payment for {$20.00}. Today, XX/XX/XXXX, I received an email indicating a " second attempt '' to notify me that my account is past due. This is not correct. I have not received any notification prior to today indicating my account was past due. Furthermore, when I contacted ACIMA I was told that because the {$20.00}, did not process on the XXXX of XXXX, even though I promptly paid it, ACIMA will rerun any transactions that failed in the past, even though they have been paid. I was told that the XX/XX/XXXX did not process making the account past due ; therefore, ACIMA reran the {$20.00} that failed on XX/XX/XXXX. So the {$120.00} was not available so that will rerun any previous payments that failed. That makes no sense and only can harm the consumer. The ACIMA Representative indicated this is in my lease in " Section 12 ''. This practice can not be legal and if it is legal it should not be legal and it definitely should not be buried within the lease in " Section 12 ''. If a merchant is permitted to draft my account for a specific amount and said amount is ultimately paid my another means they then should not be allowed to rerun that amount again, at all without expressed permission to do so. The merchant has never been given full autonomy to access a consumer 's bank account, especially if a payment is made over the telephone or otherwise for a specific amount clearing up that arrears.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$89.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Previous complaint XXXX Equifax Other credit bureaus removed Equifax claims the report is correct I called XXXX XXXX XXXX XXXX to XXXX at XXXX at XXXX. 
He acknowledged account was resolved and should be removed. He said he would advise them. Which other two bureaus promptly removed item. 

Oddly this is his report reads, see attached : DATE OF FIRST DELINQUENCY XX/XX/XXXX DATE OF LAST PAYMENT XX/XX/XXXX *This is the date when I made the agreed payment within the time agreed which resolved the account. 
DATE MAJOR DELINQUENCY FIRST REPORTED : XX/XX/XXXX How is that even possible? Date major delinquency first reported SIX years AFTER Date of first delinquency?!!! And FOUR years after the account was resolved?!!! 

Credit bureaus should not be reporting items incorrectly a full SIX YEARS LATER, and FOUR YEARS AFTER ACCOUNT RESOLVED to hurt the current credit of clients. That should be illegal. Are they harassing clients? I have worked hard to correct my credit after my home was flooded and I had to come out of that major disaster. And now, 6 years later Equifax is actively trying to harm me. 

XXXX XXXX did not report that in XXXX, clearly. I did not report it in XXXX. XXXX XXXX has agreed it should be removed. Obviously, Equifax either made and error they will not remove, or someone at Equifax has wrongly entered information on my account. 
Equifax needs to be held responsible and not harm me with their internal error/mistakes. 

Just looking at the dates, anyone can see something is wrong here. 
And they clearly provided misinformation as to telling me they contacted creditor XXXX XXXX and it is correct. Because XXXX XXXX says it is not. So I have my doubts they did research it. 

The fact that other agencies deleted this further supports what I say here.
Product: Mortgage

PHH Mortgage Services of XXXX XXXX New Jersey refuses to release me from their private mortgage insurance unless I succumb to their extortionist demands. According to THEM my home is worth {$230000.00}, according to THEM I owe them around {$160000.00}, yet despite them saying this, they refuse to remove the Private Mortgage Insurance on my loan and are trying to extort me for additional money. This is completely unacceptable and they refuse to fix their mistake.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

I recently opened a Citi priority checking account for a welcome offer. To qualify the welcome bonus, I transferred XXXX dollars after account opened. 
Several days later, I received email from Citi that they're closing my account because I violated their client manual!? 

I called several times but they can't give more details- and they will return my fund after my account closed, via mail checks. 

This is really bad that I don't know what happened and my XXXX fund is locked for these times.. And still haven't got them back, feeling unsafe.
Product: Debt collection

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Debt collection

I received a payday loan in XXXX of 2016 through the company XXXX but the lender was listed as XXXX XXXX XXXX XXXX XXXX XXXX. I defaulted and then set up a payment plan with XXXX, the collection agency that works directly with Lend Up. I have one more payment until this is completely paid in full. 

I recently received a phone call from XXXX XXXX. They also contacted my mother and sister stating I owe them this money for XXXX XXXX for the same account. The amount owed they stated was not even correct. They were asking me to set up a payment plan or they would be filing a case with the court system. 

I did not want to agree to anything because I was not even sure of the account this XXXX XXXX was referring to. After some research, I realized XXXX XXXX was the lender through the loan I received from the XXXX company who already has XXXX collecting the money I owe. And, now this XXXX XXXX is attempting to collect the same debt. 

I want XXXX XXXX to immediately stop contacting me and I want them to be investigated for fraudulent collections and harrassment. I have sent them a PDF and screenshots via email of my account information with XXXX where I received the loan from XXXX XXXX as well as, my payment information to XXXX, the collection company for XXXX.
Product: Credit reporting or other personal consumer reports

CFPB, After logging on, and looking at my Credit Report I was shocked to see these Unauthorized Inquiries. Please see below Unauthorized Inquiries XXXX XXXX XXXX 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

Company has issued excessive overdraft fees over the life of my account.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/updated. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  switched my loan to another lender it cause my credit report to drop XXXX points. This is so unfair as I thought I was not required to payback my loan as I am a current XXXX student. This loan was switched to Fedloan now I am confused upset, this is heartbroken to see on my reporter I am a homeowner and I am a very responsible person when it comes to dealing with my credit report. I just don't know what to do and how this could happen. Now they did send me a email stating that this change was happening again at NO request of my own. It was happening if I liked it or not.
Product: Debt collection

Penn Credit, XXXX, has left two messages on my phone stating the call is about a debt. They don't ask for anyone by name, I haven't received any written correspondence about a debt, I'm paying all my bills as agreed, and I've checked my credit reports to verify that there are no unknown accounts on them. It sounds to me like they're fishing for business, hoping someone will fall this and give them personal information. It also seems to me that they've disclosed too much by stating the reason for the calls without verifying that they have the right party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 
XXXX {$760.00} XXXX {$400.00} XXXX {$2500.00} XXXX {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to complain about an unauthorized credit inquiry that appears on my credit report. The details of the unauthorized inquiry are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have thoroughly reviewed my credit report and have confirmed that I did not authorize this inquiry. As such, I am formally requesting its immediate removal from my credit report. 

Unauthorized credit inquiries can negatively impact an individual 's credit score and overall financial standing. Therefore, it is crucial that this matter is addressed promptly and resolved to ensure the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$180.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Chase bank did a wire transfer from our bank account. It was transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$21000.00}. On XX/XX/2023
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX nj XXXX. My only Phone number is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to order credit reports online. That failed indicating that they could not fulfill the request online. 

They gave a phone number. I called the phone number. Three times in a row, I was in a phone tree, and then a brief phone queue, and the facility reported that the call could not be completed and I should call back again.
Product: Debt collection

Contacted XXXX XXXX XXXX on XX/XX/2017 they told me I owed {$290.00} and told me that the other amount I had in their office for the amount of {$85.00} was paid in full. I the company then called me back another representative saying I owe {$85.00} and I told them I just talked to a representative on the phone telling me that it was paid in full and it is illegal for them to classify false information to me I spoke to a manager on the phone that was cussing at me and being very rude. I then told the manager that it is illegal for them to cuss at me over the phone and I asked to speak to his supervisor and he said that he is the only one in the office and that there was not any other managers on duty. The manager then kept cussing at me then disconnected the call on me over the phone
Product: Money transfer, virtual currency, or money service

This is a continuation of complaint number XXXX-XXXX. 
In regards to the phone number that cash app provided, you reach only an automated system which tells you that you have to contact them through the app which only offers email and then hangs up on you. There is no way to get in touch with a person using the number provided. Cash app continues to withhold my money and not respond to any emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This is a {$1200.00} debt which XXXX XXXX XXXX  claims that I owe and has since been passed to a debt collection agency ( CREDIT COLLECTION SERV ). I paid a payment of XXXX on XX/XX/XXXX and was quoted a monthly price for a 6 month policy, I paid over the phone and once payment was made I then received my policy price and insurance Id cards via email. The price had significantly increased, I called back and was told that my 6 month policy had to be paid in full and that was the price increase reason. I then asked for a refund and to cancel the policy and was to that no refund could be issued and the earliest that the policy could be canceled was XX/XX/XXXX. The original payment was made XX/XX/XXXX so why it could not be canceled until XXXX is still confusing to me. Bottom line is that I refused to pay the following months payment which was due XX/XX/XXXX so once no payment was made in XXXX the policy should have been automatically canceled by XXXX which all car insurance companies do once your payment date passes and no payment has been made. XXXX instead continued billing me from XXXX - XX/XX/XXXX and then sent me a bill of XXXX as if they were crediting me car insurance. Once a payment date is missed your policy should lapse and be canceled so this should have been canceled in XXXX when I refused to pay the price that was increased from my original quote.. It is even listed on XXXX 'S website in the FAQ section of payments and cancelations that if you ur payment date passes YOU WILL BE SENT A CANCELATION NOTICE. instead I kept being billed for 5 consecutive months XXXX - XXXX for a total of 6 months including my original XX/XX/XXXX payment. Now I have a XXXX debt collection account on my credit report which significantly lowered my credit score and will remain on my report until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from 1st Franklin Financial. I have no banking relationship with this company and theyve pulled my credit on 2 separate occasions without my permission on the dates of XX/XX/XXXX and XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.
Product: Debt collection

I Have Sent two ( 2 ) Letters requesting validation of debt of FULL accounting of Debit. XX/XX/XXXX & XX/XX/XXXX with NO response I also requested copies of ANY signature Agreements with Phoenix Financial service or XXXX XXXX XXXX  - as I do not know either of these firms Nor have I incur any contact with them before. Now As of XXXX they have a statement that state I owe them {$1400.00} - I don't Even KNOW who this Company is- It Shows On my Credit Bureaus as well.
Product: Credit reporting or other personal consumer reports

Just received my credit report on XXXX XXXX and seen unauthorized hard inquiries I would please liked them removed ASAP