23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt is from a hopsital stay. Both health insurances were shown at the time of admissions. In addition, I have provided XXXX 5 times with my health insurance information. They refuse to bill the insurance company and continue to try to collect {$1700.00} from me.
Product: Mortgage

I received XXXX from Step Forward through the hardest hit fund they approved the money around XXXX 2015. Step forward sent money to Seterus Inc. shortly after and seterus is holding the money and XXXX additional payments -I 've made the money is suspended.. The money is from the hardest hit fund in my because I continue making on time mortgage payments through out the mortgage crisis that left me under water and now have hardship. I have consistently .tried to do the right thing. these people are rude jealous and unprofessional. I would rather keep my house and do right instead of just shutting down and going into foreclosure and asking Step forward to take back the money. MY loan is # XXXX XXXX
Product: Debt collection

Someone fraudulently opened a XXXX account in my name. 

I contact XXXX on XXXX and again on XX/XX/XXXX. The amount t of the fraudulent charges is {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

We worked with DHI in XXXX. 2 days before the closing they asked us for documents that we sent weeks ago. 1 day before closing they were still asking for documents that we already sent in. The day of closing they had us sit in the conference room for 3 hours just to tell us we had to push our closing. During the whole process of the building portion of our home THERE WAS NO COMMUNICATION between us and our loan person. Every time we would email XXXX, XXXX, and XXXX WE GOT NO REPLIES. No one would ever pick up the phones. The day of closing they tried to say the paperwork wasnt ready and then another person came in and said it was. The team dont communicate with each other. XXXX would says one thing and then XXXX would say something TOTALLY DIFFERENT. After we closed we went to get our stuff and come back. We got to our home at XXXX with our kids and OUR KEYS FOR OUR HOME THAT DHI GAVE US YESTERDAY DONT EVEN WORK. We are literally locked out of our home and is on the way to a hotel as I am typing this.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX & XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX my mortgage payment was process by Amerihome mortgage. There was two problems with this, first I did not include the nine in the written text on my check. The nine witch made the check read XXXX XXXX XXXX dollars and XXXX XXXX cents. Instead of XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. Someone altered my check to read XXXX in the numerical box on my check. The second thing was that the XXXX was never given credit to my mortgage account. But was withdrawn from my XXXX XXXX account. I have now spent over a dozen phone calls and hours on the phone on hold to try to resolve the matter. We even did a three way phone call with a Amerihome representative and my XXXX XXXX representative for over two hours trying to resolve this. I call a few days later to get an up date and was told by Amerihome that my customer service case was closed because my account was current and not behind. This is because I had to double a mortgage payment to catch up for XXXX. .All I am asking is to apply the XXXX to my mortgage account. As I type this I have now been on hole for over 45min. Unable to reach a customer service.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX Credit Card account ending in XXXX currently reflects a late payment on XXXX of XXXX due to an incorrect " Date of First Delinquency Reported ''. 

I paid this charged off account to settle the debt with XXXX XXXX and they have changed the date of first Delinquency. 

The " Date of First Delinquency '' should be XXXX of XXXX as reflected in my credit report from XX/XX/XXXX of this year prior to me paying the chargeoff. 

The dispute results confirm they have now changed this date to XX/XX/XXXX, this is not correct and should be changed back to XXXX of XXXX
Product: Debt collection

I found a debt collection agency listed in my credit report. FDCPA 809, states that debt collectors have 5 days to notify the alleged debtor, the name, address, phone number, the amount of the alleged debt,  notification that you have 30 days to despute the alleged debt, or 30 days to even have the debt verified. 

XXXX XXXX XXXX failed to notify me in any way. 

NO PHONE CALL, NO LETTER, NOTHING, BEFORE POSTING THIS ON MY CREDIT REPORT. 

SO, XXXX  XXXX XXXX, YOU ARE HEREBY NOTIFIED OF THE FDCPA VIOLATION. 

There has been case laws that consider putting this in a credit report constitutes the fist initial communication. You had 5 days to notify me of my FDCPA rights, which you just violated. 

You put this in my credit report on XX/XX/2018. Your 5 days are GONE. 

So, NOT ONLY DID YOU FAIL TO NOTIFY ME OF MY RIGHT TO DISPUTE, YOU DID NOT NOTIFY ME OF THE NAME ADDRESS OR OTHER INFO ON THE ORIGINAL CREDITOR, YOU DID NOT TELL ME THE AMOUNT OF THE ALLEGED DEBT, AND YOU SENT NOTHING AS FAR AS PAPERWORK THAT EVEN VERIFIED OR VALIDATED THE DEBT. 

YOU BROKE THE LAW!
Product: Credit reporting or other personal consumer reports

My purse including my personal information was stolen 2018, authorities were contacted with incident being reported, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. ACCOUNTS LISTED ARE : 1.NATLCRSYS/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is listed twice with balances of {$1900.00} and {$2000.00} ( not sure when accounts were opened ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX credit inquiry on my credit report with XXXX that I have ask the company to remove several times as it is fraud. This company also drops my credit score for no reason everytime I complain about the issue. I am debating getting an attorney at this point as I myself am XXXX and having a hard time finding a new place to live do to this companies fraudulent and false reporting. I always pay the cards that I do have on time never missed a payment but this company continues to lower my credit score for no reason everytime I submitted a complaint. I would suggest the FBI look into this company because there is clear prejudice going on and they are creating hardship for me who is XXXX and well as my XXXX son. Please command this company to raise my score and remove this credit inquiry that should not be on my credit report
Product: Credit reporting or other personal consumer reports

AMERICAN EXPRESS is committing securities fraud and identity theft against me. 
15 USC 1692g states I am the creditor not AMERICAN EXPRESS.

15 USC 1666 ( d ) Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Product: Money transfer, virtual currency, or money service

I went to a mechanic that I was referred to by my veterans coordinator XXXX XXXX with XXXX XXXX XXXXXXXX. He mechanic XXXX at XXXX XXXX  has helped other veterans before me and the program paid him for it. We spoke prior to bringing in. He charged my card {$400.00} and it was not authorized, the merchant lied to Chime bank because now he is trying to reverse it but CHIME FEELS IT HAD TO INVESTIGATE UNTIL XXXX. I kept telling CHIME that I am in possession of my card, the merchant made mistake. Im about to be evicted because I disputed transactions with Chime will not be recetify and letting a veteran go homelessTHE MERCHANT IS WILLING TO REVERSE BUT CHIME I HOT TO WAIT UNTIL XXXX, I will be kicked out by the end of next week and I am just going to end my life because I just got my place after being XXXX  for 10 yrs. Chime will not contact the merchant that is waiting to resolve the issue.CHIME NANK IS A RIP OFF DO KIT USE THEY KEE
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

Re : Capital One Card Services. I'm a XXXX senior and veteran living on {$970.00} mo. in Social Security. I have a Capital One card with a {$1000.00} limit. On XXXX XXXX XXXX  a person who I thought was a friend I'd been in contact with via internet for a year made a payment of {$900.00} to my account that was supposed to be a direct wire transfer. I made a few XXXX in charges, but within XXXX days I was notified by Capital One the payment had been reversed, leaving me {$400.00} over my credit limit. They wouldn't provide me any information about it and acted like I was being fraudulent. My own investigation began and I found that I had been hacked somehow and it was a person in XXXX who had done the transaction with an electronic check that I have never seen in an attempt to steal my identity and rob me blind.They also accessed my XXXX XXXX banking and I had to close the hacked account and open a different one after XXXX years with the same account. ( no problems re : XXXX they immediately understood and fixed it ) Capital One was very unsympathetic despite being in sole possession of the routing numbers from the XXXX check, and KNOWING FULL WELL what had happened refused any cooperation. I told them I would accept responsibility for the {$400.00} I was left over limit since I was XXXX enough to be tricked, and literally begged them to give me a credit line increase of {$400.00} to prevent my credit score from being destroyed by them posting over limit information. Their answer was to boost my interest rate to 29.99 % and start posting to the credit agencies, so now my score is down over XXXX points solely based on Capital One. I've never had a late payment, I've made extra payments of {$50.00} per month since this happened which leaves me without food or gas for at least a week each month. I was never informed of the default rate increase and upon seeing that after XXXX ( XXXX ) extra monthly payments my balance had only gone down from {$1400.00} to $ XXXX I called asking WHY and they finally got around to mentioning my interest rate increase. So I made another request for a line increase " only to the exact dollar I was over limit '', and was denied again. I never asked them to absorb the loss like any other card company would have immediately done.This company has leapt at the chance to do this me. They have the evidence of the XXXX check originating in XXXX and not from me, and know perfectly well that they are punishing the victim of a crime just out of raw greed. If I weren't so poor I would be attacking them with legal counsel, but all I can afford is to file this complaint. At this forced rate it will take me a year and a half of making my usual payment plus an extra {$50.00} and cost me well over {$1200.00} just to pay down the {$400.00} over limit and STILL leave me with a {$1000.00} balance due, and an incredibly low credit score as a reward for never having a late payment. They are bigger criminals than whoever the XXXX is that did this to me.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX 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 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  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 XXXX 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

I have been having trouble with Equifax. Removing items off my report that wasnt done by me. Ive been a victim of identity theft since 2019 and have been working on fixing my credit. But they have yet to remove anything. They keep stating thats it me that opened the account.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute an incorrect address that appears on my Experian credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 
Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file. 

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX
Product: Credit reporting

There are XXXX address that I never had lived in! Had not lived XXXX XXXX XXXX, nor XXXX, Florida. I am concerned about this
Product: Debt collection

the company is a charge off company I believe they keep spoofing my phone number on two of my phones now what I was told it was for sam 's club and the company who bought their old accounts is portfoliorecov. I spoke with sames club who informed me I do not owe them anything. these charges occured after I had already cancled my card 3 months prior. they said I owed XXXX dollars so I paid them XXXX $ last month which was fraudulent and not even mine just to get them to stop calling me I have proof with my bank and they said they never got anything which is a lie.
Product: Debt collection

They havce refused to honor my cease and desist. Per the FDCPA 15 usc 1692a ( 2 ) the term communication means the conveying of information regarding a debt through any medium. A consumer report is a medium so they need to delete this alleged debt from my consumer report of this will be considered XXXX  and XXXX  per federal law.
Product: Debt collection

Hi i filed a CFPB Complaint against Financial Management Solutions they are reporting a debt on my credit that does not belong to me. Yesterday XX/XX/2020 i got an alert from the credit bureaus that Financial Management Solutions did a credit check on me that gave me a hard inquiry. I did not authorize this.