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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Subject : Debt Validation Request ( Follow-Up to Unanswered Dispute ) Dear Sir/Madam, I am writing to follow up on my previous dispute regarding the debt reported on my credit report by ATTORNEY GENERAL-CHI under account number XXXX. I had requested validation of this debt 90 days ago, but unfortunately, my dispute has gone unanswered. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that is being reported. 
To facilitate the review of my records and ensure that the debt is accurate, I am requesting the following : 1.

Proof that the debt is mine, including the name of the original creditor.

2.

The amount of the debt at the time it was reported to you.

3.

A complete transaction history or statement detailing the debt.

4.

Proof of the original contract or agreement that verifies the debt.

5.

Any other documentation to confirm that the debt is accurate and belongs to me.

For your convenience and to assist with verifying my identity and the debt, I have attached copies of the following documents : Drivers License ( front and back ) Social Security Card ( front and back ) Utility Bill Pay Stub Please send me a detailed response with the requested documentation. If this debt can not be validated, I kindly ask that it be removed from my credit report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect this matter to be resolved in a timely manner. If this issue is not resolved in a reasonable time frame, I will consider further actions to address this discrepancy. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed that i have fraudulent information that appears on my credit report that is a result from me being a victim of identity theft. someone opened an account with a company name ( XXXX XXXX XXXX )
Product: Credit card

After a business account was closed and the associated cards went delinquent while working out debt consolidation and payments. 

Chase periodically reevaluated my personal accounts while they are not or should not be tied to the business account outside of me being a guarantor my three personal cards were closed All three of these accounts were in good standing, on auto pay while they do have a high balance and high utilization currently, I typically follow a pattern of paying them off in XXXX. 

It seems incredibly predatory that my personal accounts would be tied to a business decision and that the entire relationship with Chase would impact my personal account accounts. 

The only resolution provided was that I apply for a reevaluation in six months, which would involve a hard credit pull however closing three accounts will be on a credit report for seven years so all of that is pretty much a moot point.

My three current accounts were in good standing and paid, but the accounts were closed. They will not make me any offer of reconciliation or payment unless I force them to go delinquent by not paying the accounts. However, as stated again, the accounts are closed.
Product: Mortgage

I wrote them a letter regarding my minimum amount monthly loan payments. The minimum monthly payment has been increasing with decreasing interest rates and a small principle payment per month. I questioned this activity and requested an account review.
Product: Debt collection

Companies keep calling - AMEX called me this morning at XXXX in the morning. I have told them to quit calling me because they are seeking a person named XXXX XXXX ( unsure of spelling ) and I keep telling them my name is XXXX XXXX and I do not know how this person is. I have my number on a DO NOT CALL REGISTRY and AMEX called me at XXXX this morning and woke me up. I asked multiple times to for them to identify themselves and he kept asking me for this XXXX XXXX and would not identify the company name. I had the caller on my caller ID so I called it back to get the identification of the company and found it was American Express. I gave them instruction never to call my number again - but have given instructions in the past. I do not want people calling me at XXXX in the morning. I need help and if I need to get an attorney to sue AMEX for this harassment then I need your direction on what steps I need to take. I could understand if it was me with the debt issue, but I have no credit issues with anyone. I want this harassment to stop.
Product: Mortgage

I just received a lett  er from Ocwen a few weeks ago in reference to reporting my account to a credit bureau and they have agreed to correct the report. On yesterday, I got my bill in the mail stating I owed more than the monthly payment.Upon calling Ocwen I was told, I owed {$110.00} in late fees for the payments not made during Disaster Forebearance Period. According, to their letter I never received the documents and they were sent to me again by computer, signed and returned. My information was updated, but no one ever mentioned I was delinquent. I was told I was now in good standings. What is the point of helping during a disaster to turn around and penalize me. More importantly, these conversations are recorded and I would love for them to hear the foolery and lies they tell the customer, but once you hang up the phone its anything goes.
If I was delinquent why did you pull the credit report, to now show no delinquency. My credit card and student loans also allowed for Disaster Assistance and never charged anything extra. Ocwen has and always will have deceptive practices. Their tail is a long one in decieving their customers, who try to make a honest living and pay their bills in a timely manner. They have refused to admit any wrong doing or to try to fix this problem.
Product: Debt collection

This debt collector has called multiple times, from a ( XXXX ) XXXX soliciting for payment of a debt unknown to me. Ive repeatedly asked for validation to no avail. They always hang up before I can finish my request to remove the number, and not call anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to Transunion, XXXX, and XXXX that I have accounts that are not accurate. I have been told the account was updated. When viewing the acct it is not accurate still. each bureau has different reporting information. Company santander is reporting a charged off acct as late payment how is there payments due on charged off acct. I have sent documentation to XXXX and communicated with transunion via phone. I have requested old addresses be removed from report due to identity theft also but that have not been completed. They are reporting c/o on an acct as if it is brand new it has already been charged off as bad debt in XXXX. It is not charged off every month. Company took payment on charged off account after sending me a earned income statement. The bureaus will not report accurate information on my report. I just desire have accurate reporting information on my reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I requested XXXX to transfer {$80.00} into my cash app account, I never received the funds.
Product: Credit reporting or other personal consumer reports

XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX XXXX inquired on : XX/XX/2023 Reason : the inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX inquired on : XX/XX/2023 Reason : the inquiry was not authorized XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX inquired on : XX/XX/2023 Reasons ; the inquiry was not authorized XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Have reached to all parties disputes these accounts not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt validation request was sent on XX/XX/ to credit collection agency for a contract or signature and any other documentation which would validate that the alleged debt was mine. Received a letter onXX/XX/XXXXfrom agency with a screenshot of a billing system. No contract or signature or any other valid documentation under the FCRA was submitted.
Product: Debt collection

Capital One has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Product: Debt collection

XXXX XXXX XXXX is not the original debtor. XXXX XXXX XXXX is. It is a violation of my rights because I didnt sign any debt with said collection Agency.
Product: Checking or savings account

On XX/XX/XXXX I used XXXX to transfer {$160.00} from An outside financial institution to my Navy federal account. On XX/XX/XXXX, I was suppose to get my direct deposit from my employer but I didnt. I then transferred over an additional {$330.00} through XXXX because I knew I have my XXXX  XXXX payment of {$200.00} coming through and I have not received my direct deposit. I monitored and screen recorded my account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there was no deposit. On XX/XX/XXXX at XXXX XXXX I received my weekly direct deposit. I received an over draft fee due to navy federal holding my direct deposit. Every week the post that they deposit my money on XXXX when in fact they hold it until XXXX When they do that, they reject my payments FIRST then charge me a NSF fee then deposit my money. They keep doing illegal practices and I keep getting penalized because of it. I called on XXXX XXXX XXXX XXXX XXXX, to speak to a supervisor who in return tried to make it look like I was causing a confrontation. She did not answer my questions and asked me a passive aggressive question before looking at my account and said well how are you keeping track of your expenses. I then told her she was being passive aggressive and not answering my questions of why navy federal keeps falsifying documentation stating they pay me on XXXX when in fact I do not receive it until XXXX She then responded and said I was being confrontational and trying to pit her against other supervisors. She then kept arguing with me so I ended the call. I called back and another supervisor was able to give me back my {$29.00} fee but could not explain why they keep falsifying my direct deposit dates.
Product: Credit card

I've consistently ensured that payments on this account are made in a timely manner, preventing any occurrences of overdue bills. However, I'm uncertain about the reasons behind the late payment remarks on my accounts. Referring to 15 USC 1666b, billing errors should be corrected.
Product: Mortgage

ocwen offered modification which when it was said and done made our monthly payment go up not down.and made it a 40 year loan from a 30 making it impposible to ever pay it off .we ended up short selling the house from not being able to keep up the payments.we applied for other help but where denied every time.we feel ocwen preyed opone our weakness and took advantage of us.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred.despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns the recent CFPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I request an investigation in my account transactions.
Product: Credit reporting or other personal consumer reports

The account is paid in full. My student loan has been forgiven. The credit companies will not do their job.
Product: Credit reporting or other personal consumer reports

I filed several disputes with Equifax and XXXX to remove XXXX XXXX from my credit profile. I submitted court documentation to Equifax and XXXX which was mailed certified mail and uploaded to Equifax and XXXX. XXXX XXXX filed suit against me for a debt that is not mine in court and I filed a counter suit and XXXX XXXX decided to dismiss the case. I want XXXX XXXX remove from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to purchase a vehicle through XXXX XXXX in XXXX, Maryland ( Volkswagen Credit ), and my credit was run multiple times resulting in a lower score. My credit was run on XX/XX/21, and I was given finance options, final numbers, and entered into a verbal agreement with a {$500.00} deposit on XX/XX/21 ( credit card statement attached ). When I arrived at the dealer to pickup the vehicle on XX/XX/21, my credit was run again for no reason and with no notice given to me ( I realized a week later when I checked my report ). I have since applied for another vehicle loan for a secondary vehicle, and I may not have gotten the best rate possible due to this error.
Product: Payday loan, title loan, or personal loan

Gave an offer of 5 % which was started a few weeks ago and finished up recently. Prior to applying, they did not advise It had expired nor updated the rate online in the application. Once I sent income verification, they counter offered to a rate that was nearly double the original offer. I was told that It didnt have anything to do with my credit or income, only the fact that the offer had expired. I wouldnt have applied if they had mentioned the new rate and they refuse to honor the original terms. This is clearly a bait and switch tactic.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent account on my report. Please remove these accounts from my report, it is hurting my ability to obtain credit.
Product: Checking or savings account

I have a XXXX XXXX account. On XX/XX/2021, I received a XXXX credit card payment form my customer ( XXXX XXXX XXXX XXXX ) for {$41000.00}. After XXXX deducted their fee for processing the credit card, i was left with {$39000.00}. I deposited 2 transactions into my chase personal account from my XXXX XXXX holding account. 

1. transaction date XX/XX/2021 instant deposit {$27000.00} 2. transaction date XX/XX/2021 for {$10000.00} total XXXX deposited from my XXXX  account and placed into my personal account. 

JP Morgan Chase bank is the bank in question and major issue. The bank place my account on restriction because of suspicious activity. I went into the bank and the Banker ( XXXX XXXX ) explained that this was done because of a business transaction was deposited into a personal account and they needed to verify funds belongs to me. The XXXX is me and my husband XXXX. We submitted all required documents requested and yet the bank decided they were not sufficient documents and place the account into suspension after 10 days. This money is money we work for and our XXXX we own. We don't understand how the bank can take our money after we have verified it belongs to our XXXX.
Product: Credit reporting or other personal consumer reports

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, Nor is it a request for statement copies or your published copy of your card member service agreement, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXXhis isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX XXXX XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$XXXX} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$XXXX} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$XXXX} Credit limit {$XXXX} Highest balance {$XXXX} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Past due XXXX  days XXXX Past due XXXX  days XXXX Past due XXXX  days XXXX Past due XXXX  days XXXX Closed Payment history guide XXXX  days past due as of Aug XXXX  XXXX  days past due as of XXXX XXXX XXXX days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Historical XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize and did not authorize.
Product: Credit reporting or other personal consumer reports

XXXX. THE REPORT OF AN INSTALLMENT LOAN APPEAR ON MY CREDIT FILE. XX/XX/year> XXXX. THE CREDITOR IS MAKING DEROGATORY REPORTS AND DOES NOT HAVE RECEIPT OF MY AUTHORIZED SIGNATURE FOR ANY INSTALLMENT LOAN. 

XXXX. INSTEAD, THE ALLEGED CREDITOR HAS AUTHORIZED THIS INSTALLMENT LOAN THROUGH A NON-JUDICIAL ADMINISTRATIVE PROCESS WITH QUASI-COURT AND A COURT COMMISSIONER. 

XXXX. THE COURT COMMISSIONERS AUTHORITY TO ACT IS LIMITED FIRSTLY BY THE CONSENT OF PARTIES TO ACT. XXXX XXXX. 2024 CALIFORNIA RULES OF COURT XXXX. 

XXXX. THE COURT COMMISSIONERS ARE ALSO LIMITED TO ACT THROUGH THE ADMINISTRATIVE PROCEDURES ACT. AND THE ACT FURTHER DEMONSTRATES THAT A COMMISSIONER MUST HAVE CONSENT OF THE PARTIES FOR THE SETTLEMENT. 

XXXX. A STIPULATION MUST EXIST ON FILE BETWEEN THE COMMISSIONER AND THE PARTIES. 

XXXX. NO STIPULATION EXIST BECAUSE THE XXXX DID NOT HAVE STANDING TO MAKE A CLAIM AND THUS HAD TO HOLD AN ADMINISTRATIVE HEARING BETWEEN THEMSELVES : I REALITY THE AGENCY EXECUTED AND FILED THEIR OWN ORDER WITH MY NAME FORGED UPON IT CREATING THE APPEARANCE OF A JUDICIAL JUDGMENT. 

XXXX. THEY HAD MY NAME AND MY SOCIAL SECURITY NUMBER SO THEY EXECUTED THE ORDER TO CREATE A SECURITY AND NAMED ME OBLIGOR OF THE CONTRACT. 

XXXX. THE CREDITOR NEVER PRODUCED A CONTRACT AND DID NOT PRODUCE THE REQUESTED RECORDS TO VALIDATE THEIR PROOF OF CLAIM. AGAIN, IN VIOLATION OF 5 USC 552 A. RECORDS MAINTAINED ON XXXX SUB SECTION D : ACCESS TO RECORDS. 

XXXX. THE CREDIT BUREAUS ARE BEING DECEIVED BY THE ALLEGED CREDITOR BECAUSE THEY ISSUED THEM AN ADMINISTRATIVE DECISION TITLED MINUTES AND ORDER AS THEIR VALIDATION FOR THE LOAN ACCOUNT. BUT THE ORDER IS NOT VALID ACCORDING TO LAW COURT RULES. 

THE CREDIT REPORTING AGENCY ASSUMES THE ADMINISTRATIVE DECISION IS VALID BUT THEY ARE IN ERROR.