23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my debt in full with the creditors and they will not update my credit report. Ive contacted and submitted a dispute to Experian, XXXX and XXXX  and they stated they received my dispute and it was updated to the favor or the creditor. 

All three agencies sent me generic letters stating the findings remain the same. I have receipts for paid accounts and they will not update my account to paid in full.
Product: Credit reporting or other personal consumer reports

Kolhs inquire my credit report which I did not consent to for a credit increase I already submitted a complaint I did not inquire a credit check of any kind!
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified this account that are reporting late payments inaccurately and I want to dispute the inaccuracy of this account. I have contacted the companies related with this account, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. 
XXXX XXXX XXXXXXXX.
Product: Debt collection

I pulled my credit report and see that you are reporting an alleged debt on my consumer report that I am requesting be VALIDATED, pursuant to the FDCPA validation of debt section, 15 USC 1692g.

Since I am disputing this alleged debt pursuant to the Fair Debt Collection Practice Act, you are required to Cease and Desist all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, and XXXX. I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the Bill of Sale associated with this alleged obligation. Please also provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN THE WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE AND MISLEADING. 
The account is noted below : Original creditor : XXXX XXXX XXXX Account XXXX # - XXXX As previously stated, I am requesting that your agency provides me with evidence that I am in legal obligation to pay you. 
I hereby inform you that you do not have my consent to communicate with me through any mediums. Furthermore, I DO NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DO NOT consent to you reporting information in my name to the consumer reporting agencies. In case you didnt know, reporting invalidated information to any of the XXXX major credit reporting agencies ( XXXX, XXXX XXXX or XXXX XXXX is fraudulent and a violation of both state and federal laws, so if this matter does not get resolved within the time allotted I am willing to take legal action to compensate for the damages I have sustained, because youve not only violated the Fair Debt Collection Practices Act and you have also violated the Fair Credit Reporting Act.

You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me with a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6803.

I Demand ALL COLLECTION efforts shall Cease and Desist. 
If your office fails to respond to this validation request within the allotted time, all reports of this account MUST be Deleted from reporting on all 3 major credit agencies.
Product: Checking or savings account

Back in XX/XX/year>, my account was closed without me knowing and I have been waiting for my closure check or remaining balance on my Chime account. I've been calling every since and emailing Chime about it. Chime has yet to mail me my check. Please help! 

Whenever I call I am placed on hold for almost an hour and then Chime hangs up. Please help!
Product: Debt collection

Two collections were owed and were being collected by XXXX XXXX XXXX   XXXX XXXX XXXX XXXX PA XXXX, ( XXXX ) XXXX, ext XXXX XXXX XXXX. The first collection was for {$960.00} and the second was {$650.00} both owed to XXXX Texas XXXX XXXX. XXXX XXXX XXXX was handling this collection for Pendrick Capital. An agreement was reached with XXXX Representative, XXXX XXXX for payment of 60 % of the debt in the amount of {$970.00} and it was agreed that it would be deleted from my credit report. The amount of {$970.00} was paid on XX/XX/2019. 

On XXXX XXXX, 2019 I received a collection notice from XXXX XXXX XXXX in XXXX IN in the amount of {$650.00} owed to XXXX TX XXXX XXXX. Again this collection agency was handling the collection for Pendrick Capital. This is the same debt that I already paid through XXXX XXXX. It is apparent that XXXX XXXX has a habit of these kinds of practices because they have many complaints through CFPB and through the XXXX for the same kind of stuff. 

Now XXXX XXXX is threatening my credit if this isnt paid and is causing me the burden of providing proof that this debt has been paid. When is someone going to stop these bottom feeders from doing this to people? To begin with I am a! 00 % service connected XXXX XXXX. My medical bills are paid by the VA at no cost to me. The original creditor just didnt want to do the work to collect from the VA so they wrote the debt off and the bottom feeders at Pendrick Capital picked it up to start their shady collection practices. I should have had to pay this debt at all but I wanted to maintain my credit so I nbegotiated a settlement I could live with. What I cant live with is Pendrick Capital continuing to try and get paid more than once for these debts and using multiple collection agencies to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'am a victim of identity theft. This account doesn't belong to me. I never heard of this company or done any business with them. Someone is using my credit to purchase items fraudulently. I was alerted by XXXX someone was trying to apply for a credit card in my name. I have attached my FTC report items that are fraudulent. I demand immediate removal.
Product: Credit card or prepaid card

I have had a Capital One Walmart Rewards Card for over a year. I pay off the entire balance each month. I have never once been late even 1 day or 1 hour. I have never had a payment returned for insufficient funds. I have been an excellent credit user. My Credit is excellent. But at certain times Capital One holds my payment for up to 10 Days ( even through they process my payment through my bank and it clears my bank and their institution ) thus not allowing me to purchase items at Walmart to obtain more Reward Points. This is illegal to do period. I now know in todays quick moving society that once a payment is made to any lender or lending institution that the longest it takes for it to clear the institution you made it to is 48 hours unless it is a holiday or weekend. Capital One Rewards Card thus is false advertising and trying to control the amount you can actually earn with their company, which is a breach of the contract between themselves and the consumer. Now when I call into their Customer Service Line they put me on hold after I explain the reason for the call ( a hold on my payment ) and I hold the line for over 20 minutes and always they disconnect the call. So I repeated this exercise of trying to resolve this issue today over 17 times and the same thing happens each time. I also record my calls with them, and they state the conversation can be recorded without my permission on their end, but if I record the call they hang up immediately. This is a sure sign of illegal processes being covered up internally, so I know Capital One Executives are well aware of their illegal practices.
Product: Debt collection

I received a letter in the mail from Hunter Warfield threatening to sue me for a past due amount resulting from eviction. I was in a bad car accident that left me hospitalized for three weeks and in recovery for ten months, resulting in losing my employment. Eventually, I was evicted because I couldnt pay my rent. I reached out to the XXXX at XXXX and explained my situation. They informed me that because I had a unique case, they would not sell my account to collections and would allow me the opportunity to pay {$1300.00} to settle the account as agreed. However, I never received any confirmation of the settlement offered in writing. Because I lost contact with the management company, I assumed the account was taken care of. So, when I received the letter in the mail from Hunter Warfield asking for {$1800.00}, I was very upset.
Product: Credit card

I have had an American Express card for over twenty years and recently received a letter from them stating that Federal Guidelines require a physical address for my account and if I do not provide one within two weeks my account will be closed. Is this correct and legal? I use a US Post Office box for all my bills and have had no problems. I am a XXXX and work and live on XXXX hence no physical address. When I am off for a period of time, I generally short term rent and store my few belongings in a storage unit. I can not be the only one with this lifestyle. Ii know many people who live year round in RVs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I sent 3 dispute letters 1 to Equifax in XXXX GA XXXX to XXXX XXXX TX and 1 XXXX XXXX and XXXX PA Over 30 days ago without a response. 
Violating the fair credit reporting act.
Product: Checking or savings account

on XXXX I transferred from Wells Fargo {$5000.00} from my checking account to my XXXX XXXX XXXX account. Today, XXXX I wanted to transfer another {$5000.00} but Wells Fargo restricted me to a monthly limit of {$6000.00}. I called to ask why and they could not provide an adequate response at the customer service level. My call was escalated and pending a call back but I felt it was important to report this issue. I feel, this is my money and I should not be restricted using online transfer capabilities between my accounts as I see fit for my financial wellbeing. Using other means such as a check or wire or other methods is a waste of time for me since online transfers are fast and efficient.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  - XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Unrecognized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I am not allowed to link bank account with external vendor XXXX as bank has disabled this feature.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

On XX/XX/2015 I filed Chapter XXXX bankruptcy protection which included XXXX. Around XX/XX/2015 by bankruptcy was XXXX also the debt of XXXX. Today in the mail I received a letter from XXXX trying to collect this debt.
Product: Mortgage

We had XXXX loan with XXXX sice XXXX, but in XXXX due to job loss, we had defaulted on payments and it took us almost 2 years to work out loan modification with XXXX lienholder XXXX as XXXX lienholder was in transfer almost every year. Last servicing we knew was XXXX XXXX XXXX XXXX where there was never alive representative on phone, and after lengthy hold times, our calls just got disconnected. Then in XXXX XXXX we found out that servicing was transferred to SN Servicing.  However, there was never a letter or notice sent to us to advise of such transfer. Moreover, we were not even sent monthly statements for last 3 years. 
We have been working hard to keep our home and were happy to workout payment with XXXX lienholder and have not been late for over a year now, but SN Servicing is not willing to compromise and accept settlement or workout. Our calls and faxes were ignored. We made a settlement request in XXXX XXXX but learned only in late XXXX that it was declined, no counter offer, nothing, except recent letter from attorney that states loan is in foreclosure now. Earlier today, XXXX XXXX, XXXX I was finally able to speak to XXXX XXXX at SN Servicing who just demands XXXX  XXXX to bring account current and is not willing to present my request for monthly payment arrangements to investor, she was rude, unprofessional, and once I demanded to record our conversation as she language was unacceptable, she just disconnected the call.
Product: Consumer Loan

On XXXX XXXX, 2015, the Jeep wrangler I was leasing from Chrysler Capital was totaled in a car accident. My insurance carrier submitted a check in the amount of {$37000.00} to cover the balance of the lease pay-off. Chrysler acknowledged that the check was received in their mailroom, but was somehow lost. I contacted Chrysler to find out the status of the pay-off check several times. 
During this time I continued to make the scheduled payments which were due on the XXXX of each month. I was also required to pay a {$490.00} lease return fee, even though the car was not returned, but totaled in an accident. 
Chrysler accepted my payments and assured me that they would credited to my account because they were not late and my credit would not be adversely affected because I continued to make my scheduled payments. In fact Chrysler Capital sent a refund check for approx. {$1700.00} to reimburse me for the payments I made during the time they are claiming I was late paying them. 
This turned out to be untrue, Chrysler intentionally reported late payments on my credit even though I made my payments within the time frame required. 
Attached is a complete history of my payments to Chrysler Capital.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts listed below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX15 USC 1681Section 602A : States I have a right to privacy. 15 USC 1681 sect. 604A : It also states a consumer reporting agency can not furnish a account with out my written instruction. 15 USC 1681c ( 9 ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other diverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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

I am writing to formally notify you that Credence Resource Management attempts to collect on the alleged debt referenced attached to this complaint are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If Credence Resource Management is not aware the entire claim is regulated by an arbitration agreement with the original Creditor. Which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings as the account attached to this complaint does not belong to me. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that Credence Resource Management has no right to collect on this alleged debt that does not belong to me. I am asking for help to fix this issue immediately as Credence Resource Management has been completely Negligent in responding to my initial dispute attached from over XXXX  days ago.
Product: Debt collection

IC Systems has been attempting to collect a debt from me for an account that they claim was sent to them from XXXX XXXX XXXX. It has been several years since I ended my account with XXXX XXXX XXXX and it was never delinquent. When I canceled the account and closed it, my balance was XXXX. Now 3 years later I am receiving collections calls at all hours of the day and night and it has been added to my credit report. When I disputed it on my credit report, IC Systems then added a second account, also with XXXX XXXX XXXX. I feel like I am being unfairly targeted and their collection tactics seem very odd. I have now disputed both accounts but I am concerned that they will retaliate further. Whatever debt they are collecting, does not belong to me.
Product: Credit reporting or other personal consumer reports

Ive had a lot of unknown calls and email I didnt sign up for since they ran my credit report
Product: Debt collection

I received a communication dated XX/XX/XXXX from Residential Credit Solutions , Inc. ( hereinafter " RCS '' ) attempting to collect a debt. I received the letter XX/XX/XXXX. 

I sent it a demand for validation and notice of dispute XX/XX/XXXX. RCS received it XX/XX/XXXX. 

On XX/XX/XXXX I received a communication dated XX/XX/XXXX from XXXX XXXX of the Loss Mitigation Team at RCS. The letter is another attempt to collect a debt that RCS claims I owe, was delinquent when it acquired the right to collect it, and offers options to avoid foreclosure. 

RCS has failed to provide validation of the debt and every part therein as of the date I received the letter XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 Credit systems info Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company. 

XX/XX/2017 XXXX XXXX Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Lakeview ( subserviced by XXXX XXXX XXXX XXXX ) - Account # XXXX, has violated my rights. 
~ 15 USC 1681 Section 602 states I have the right to privacy.

~ 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

~ 15 USC 1666B : A creditor may not treat a payment a payment under and open end consumer credit plan as late for any purpose.
Product: Mortgage

We hired XXXX XXXX of the law offices of XXXX XXXX XXXX to defend a foreclosure and to pay off the arrears for the property due to a divorce between my daughter XXXX XXXX XXXX and XXXX XXXX. For over 4 years we directed him to payoff the Foreclosure amount of {$690000.00}, and he repeatly gave us all kinds of excuses as to why it couldn't be done or some other false information, next thing we know a private investor group, of which we suspect XXXX XXXX and XXXX XXXX XXXX is a part of purchase the mortgage and the house is schedule for a 90 day sale. We again told XXXX to payoff the {$690000.00} foreclosure amount and XXXX XXXX of this investor group demamnded {>= $1,000,000}. XXXX never objected to any of the falsified payoff letters of put in any defense to the foreclosure. When we attempted to notify Judge XXXX, XXXX NY Supreme court judge, of the Fraud on the part of XXXX XXXX of XXXX and XXXX XXXX of XXXX XXXX XXXX that purchased the debt from XXXX XXXX XXXX XXXX The judge provided false information to my Daughter XXXX XXXX and forced her to sign a stipulation when we clearly asked for a 60 day stay of foreclosure activities. I, XXXX XXXX, never signed any Stipulation and we are being told that the property was sold back to the bank for {$500.00} despite having viable offers of {$690000.00}. The assessed valuation of the property is {>= $1,000,000} and the foreclosure judgement is for only {$690000.00}. This is a clear case of fraud on the Part of XXXX XXXX XXXX of the XXXX XXXX XXXX, XXXX XXXX to steal the property and resell it for a windfall This is a typical XXXX. that was detailed in the recent Wells Fargo settlement of XXXX XXXX dollars. XXXX we are being served with papers to vacate the property.