23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been a victim of the XXXX XXXX XXXX in XXXX & the XXXX & XXXX XXXX XXXX XXXX  of XXXX & XXXX. As a result there are accounts on my credit report that I did not open, nor did I authorize anyone to open on my behalf. On XX/XX/XXXX I mailed over a certified letter with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting removal of these accounts that were not owned by me. On XX/XX/XXXX this letter was signed and recieved. The response to my written request was " Accounts returned as verified ''. On XX/XX/XXXX I provided subsequent written correspondence requesting debt validation letters showing my signature via written or electronic. This debt validation letter was never provided, nor did the information provided match any of my verifiable data in violation of ( FCRA ) Section XXXX ( a ). On XX/XX/XXXX I sent a final demand requesting the erroneous accounts be removed from my report before filling litigation for damages as a result of violations XXXX ( b ) of FCRA.
Product: Credit card or prepaid card

Hi.

Thanks.

Having issues with Amazon Store Card issued by Synchrony Bank. 

Making payments and one {$170.00} that went okay but the other {$85.00} was rejected and instead of notified that it happened and me making other arrangement and they decided to credit it and then take it away like I made a purchase of {$85.00}. 

And not only that but they said that I made a {$87.00} payment which I did not made. And did the same as the {$85.00}. Told them i only made two payments in the app. {$170.00} and {$85.00}. 

Not {$87.00} in the website where they said that I did. 

So credit again like a purchase and then take it Back. 

Made no sense but ripping me off. By {$170.00} plus interests charges of $ XXXX {$18.00} on that purchase. 

Errors and mistakes with them since XXXX until now so need my 3 months of my time dealing with this which comes up to {$45.00}.

Photos do not lie.

The photos show that error clearly.

XXXX XXXX XXXX  to XXXX XXXX two payments not three.

They added a payment of {$87.00} in between.

What more worst they have it like a purchase.

Also had recording of calls made to them not only photos.

Appreciate all the help you can give me.

Thanks. 

XXXX XXXX. 

Card ending in XXXX.

Supposed to transfer to a new card as promised when started the fraud investigation but new card they send is not good.

They keep the XXXX and continue denying my claim.

They keep playing around with me.
Product: Debt collection

XX/XX/XXXX, I called XXXX XXXX XXXX, collection company. I was notified that the phone call was recorded. The agent told me that the file I was inquiring about, my name was not on that file ; e. He said this about XXXX times during my inquiries. I asked them to send me an email with the document showing the debt to XXXX. I refuted that it was my debt as, I or my wife, have been XXXX customers for over XXXX  years. We have never borrowed, bought or had any connection to XXXX. They bought the debt from XXXX. 
The agent told me he could not send me any documents or an email about XXXX times. 
He would not offer an explanation as to why he could not send me any documenation so I cpould dispute the debt with them. I have XXXX  months of XXXX XXXX XXXX to show that we have been only XXXX  customers. I have filed a dispute with XXXX and provided this T-Mobile payment history as proof that we have never had any accounts or debts to XXXX.
Product: Checking or savings account

I open a business account with citizen bank since XX/XX/year> and I received money from some checks to my account to a do business but the bank close my account and hold the money since that day and the people they send me money they want there money back and every time they told me we gon na send the money back an a week or two but now its been almost 3 months
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted to have multiple inquiries that I was not aware of and others that were done multiple times from one request removed from credit and was not assisted with this issue. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Page 35 of 45 Requested On : XX/XX/XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX via XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, there are incorrect information found in my reports that needs to investigate. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the Inquiry that is reporting on my Credit Report : XXXX Date of inquiry XX/XX/2021
Product: Debt collection

I sent a letter to Helvey asking for any documents that have with my legal signature stated that this is my debt and the about I owe them. They sent me back a typed up letter they made stated that I owe them monies I have no knowledge of owing. I did not sign or agree to any services with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Date Opened Balance {$8700.00} Did you even legally verify this account? Isnt the date of the last activity supposed to be the same in each bureau? I see that this account has a charge-off status but Im still seeing balance being reported. Are you aware that its a violation? How is it possible for the balance to be higher than the high credit/high balance?
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INFORMATION LISTED SEVERAL ACCOUNTS WERE OPEN FRAUDULENTLY SUCH AS LOANS, CREDIT CARDS, CELL PHONE ACCOUNTS SOMEONE USED MY IDENTITY USING MY SOCIAL SECURITY NUMBER AND ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

I received an email this morning stating I have a new checking account through M & T bank. It is an M & T EZ Choice Checking account ending in XXXX. This was not opened by me. I have called M & T and they shut the account down immediately. They will be sending me information on how to protect my identity since it was compromised. I have also reached out to XXXX and froze my credit report. There are checks on the way that I will not be charged for as well as debit card that I am to destroy as soon as I receive it.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched 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 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 that 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX  ( Original creditor : XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information 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: Mortgage

My automatic payment from XXXX Bank to Ditech Financial was not applied to my account on XXXX XXXX for XXXX XXXX 's mortgage payment. I was not aware of this until XXXX XXXX. I had XXXX Bank fax over proof of payment on XXXX XXXX. After contacting multiple customer services representatives, including XXXX XXXX, my first account supervisor on XXXX and XXXX. I was told it was being processed. XXXX Bank resent the proof of payment as we were told by XXXX, a customer service rep, that the original was unreadable. This was done on XXXX XXXX. After speaking to XXXX in South Dakota ( XXXX, his supervisor sent an e-mail to expedite this ) on XXXX XXXX and XXXX in XXXX on XXXX XXXX, I was told that the ball got dropped and they are now processing that payment. Finally, as of XXXX XXXX, the payment was credited to my account as an " unapplied amount. '' My payment history is now showing a missed payment for XXXX XXXX rather than applying the misapplied amount to that payment. As a result, I am now receiving collection notices via phone, mail and on my front door for a missing payment that was never missing. I have also continued making on time payments since that date and my account payment history reflects this. My current statement shows my next payment is due XXXX XXXX and I assumed my account was current. However, the collection notices are still being sent and I am worried about the effect this will have on my credit as well as my peace of mind. There are many notes attached to my account at Ditech that support the fact that the fault of the missing payment is not mine and the customer service reps have all validated this. However, the collections department does not seems to be aware of this glitch.
Product: Credit card or prepaid card

Capital one card Wife had the card We got divorced She did not pay on time XX/XX/XXXX and XX/XX/XXXX Account # XXXX XXXX XXXX
Product: Student loan

I have been making payments for the last couple of years towards PSLF. However, the company seems to always be " processing '' these and still shows that I have no payments counting towards the 120 I will need to obtain forgiveness.

On multiple occasions, I have submitted paperwork to maintain my enrollment in  PSLF and was asked to submit it again. At one point, I submitted the SAME document completely filled in 7 different times. I even had a customer service representative tell me that they were requesting I send it again but that she could clearly see the 7 different documents submitted and that all were done correctly so she was unsure of why I needed to again.

After this, I began recording dates, names and ID numbers along with what the representative told me regarding my PSLF status. The detail document is attached below.
Product: Vehicle loan or lease

I had two auto accounts with American Honda Finance in the past. Despite the fact that I never missed a payment on either of these accounts, Honda is reporting that I had multiple delinquencies over the course of the accounts ' history. This incorrect information being reported to the credit bureaus, as I always made timely monthly payments.
Product: Credit card or prepaid card

I opened a XXXX XXXX credit card with Capital One XX/XX/XXXX. I used the card normally and paid my balances on time. In XX/XX/XXXX, I received a notice from XXXX  that an inquiry was performed on me, and when I investigated further, Capital One was listed as the company. Because I had already received a notice when I opened the card intitially, I worried that this was a fraudulent account. I contacted Capital One and they investigated for several days. When I called back days later, they informed me, as a precaution, they would put a hold on my account as they carried on the investigation. As a result, I was unable to make a payment on my account. 

After many months, I received a bill in the mail saying my payment was overdue and collections would be contacted if I did not pay. I immediately contacted Capital One and explained the situation and that I was never informed that the investigation had completed. They said no fraud was detected, and I paid my balance and closed my account. In the future, when checking my credit score, it showed a late payment due to that account. I once again called Capital One and explained the situation and that I was unable to pay because they had put my account on hold. Even though I have never had anothr late payment or other problems with my credit, they insisted there was nothing that could be done and as a result, my credit score reflects a delinquency that was out of my control.
Product: Debt collection

XXXX XXXX XXXX is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account.

This assumed debt was charged off after an internal credit in the amount of the loss in order to zero out the balances and close the account. The loss balance is then transferred from the Internal Active System to the Internal Collections System which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been zeroed out and the contract has been satisfied.

This consumer is only responsible for the zero account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then XXXX XXXX XXXX  has no claim.

I hereby irrevocably refuse to consent/contract to XXXXXXXX XXXX XXXX agency because there is no law required for this consumer to do so. Until XXXX XXXX XXXX agency can provide a lawful authority by which this consumer is subject to comply with submitting to XXXX XXXX XXXX or jurisdiction in violation of my rights to be free of involuntary servitude.

This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) XXXX XXXXy is hereby warranted to Proof of Claim in Arbitration.
Product: Mortgage

I spoke to XXXX of green tree representatives on XXXX XXXX XXXX, 2014 about the annual escrow acct disclosure statement in reference to the PMI on my loan I recieved. According to my original documents with XXXX my PMI should be {$120.00}. However the loan was sold to Green tree. About XXXX months ago I noticed that Green tree is deducting out my escrow acct {$220.00} which i never agree to pay to Green tree, I have the supporting documents of what i signed in referance to this loan and the terms of the PMI. I would like this to be taken care of as soon as possible, as it stresses me out to think that Green tree is XXXX me off. I have asked and i expect a refund for all this time that i have been paying the wrong amount. I called Green tree a handful of times about this issue i have also fax them a letter showing my supporting documents and dont believe that now after more than 60 days of calling, and writing to them and this has still not been taken care of. It is Now XXXX XXXX which is more than enough time since this was brought their attention! This is XXXX more attemp to try and get a honest and fair response. I dont believe green tree is handleing this in a professional manner and I am very disappointed at not getting any responce at all about this matter. In all honesty it is looking to me that green tree has made a mistake here and is not ready to fix it and compensate me because if its was something i did owe on PMI they would have brought proof to me quickly. I would appriciate any kind of attempt to fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I tried to dispute an account online at XXXXequifax and was told that I am not able to dispute the information, that I already have. This is the first time at XXXXequifax that I have tried to dispute the inaccurate account. I only just recently created XXXXequifax account online. So it is not true that I have already tried to dispute the information. When I tried again to dispute the information I received an error message. 

The information that is being reported is inaccurate, old, and outdated and needs to be permanently removed. 

The information needing removed is : XXXX XXXX Account Number XXXX XXXX Date of Last Activity XX/XX/2005 2005
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX Balance {$110.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$30000.00} XXXX  XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$23000.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX XXXX Balance {$23000.00} Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$110.00}
Product: Credit card or prepaid card

I paid for transcations by other means and my prepaid card with Card.com was still charged. I orginally contacted the companies and was told I needed to file a dispute with my bank. I filed the dispute with card.com and even provided proof that I paid by other means. The company didn't look at the receipts or properly investigate, they just denied the claim. I know they didn't contact the companies because I was advised by the companies that they were never contacted. They do this every time and this time I'm contacting a lawyer. I've attached the receipts showing I paid by other means. My card.com ends in XXXX and the card that was used for the transactions which were also charged on the Card.com car do not.