23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX contacted me in XX/XX/XXXX in regards to a delinquent debt. I spoke with representative XXXX XXXX. He informed me that I owed a debt from XXXX XXXX XXXX, to which I responded that I was pretty sure I had already settled that debt, and emailed him a copy of the Paid in Full letter. I used the phonetic alphabet to confirm the spelling of the email address the account representative gave to me. When I spoke with him after I emailed the letter to him, he informed me that there was a second debt, for my XXXX XXXX XXXX. At this point, I worked out a one-time payment, which I paid between 2 accounts on XX/XX/XXXX, for a total of {$1400.00}. I never received a paid in full letter from XXXX XXXX XXXX. It was not until my military pay began being garnished in XX/XX/XXXX that I discovered that XXXX XXXX XXXX did not own the XXXX XXXX XXXX debt, and was not legally allowed to collect on it. After a month of trying to contact XXXX XXXX XXXX directly, I filed a complaint through CFPB. XXXX XXXX XXXX responding by stating that they never mentioned a second account, and would send me the paid in full letter for the account I supposedly settled with them. I still have yet to receive the paid in full letter, and have again been unsuccessful at trying to contact this agency to settle matters on my own. I am providing proof of sending the original paid in full letter to the XXXX XXXX XXXX representative for the original debt, the paid in full letter, and the bank statements showing my payment to XXXX XXXX XXXX. I still maintain that the account representative mentioned a second account ( the XXXX account ) once I told him that I had the paid in full letter for the XXXX XXXX XXXX account, and that they defrauded me by collecting on a debt they did not own.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame. 
1. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit card or prepaid card

Paid bill 2 weeks in advanced but they processed bill a week after due date, causing it to appear as though I was late. Moreover, now they send out bills within a couple of days of due date. This has affected my credit greatly and making it appear as though I'm late constantly! In trying to tell them that they're sending out bills late, Rep. Informed me that its not their fault about the US Mail. So I asked, why is it that the same courtesy is not afforded to me, as she stated that my payment may have gotten late because of US Mail. Rep. stated its not their responsibility to check for mail. This is ridiculous, they want to be absolved from sending out late payments while charging me for the same thing they are forgiving themselves for. Moreover, my payment was never late as it was not process promptly.
Product: Credit card

CFPB complaint XX/XX/2016 This is request for Capital One Bank ( USA ) , N.A . for the address to send a credit reporting dispute and request investigation, of a master card, credit card issued by creditor/furnisher, Capital One Bank ( USA ) , N.A . reporting on my credit report. 
You website stated the following : " In addition, because Capital One does not have a designated custodian of records, a subpoena must be directed to the Capital One entity that maintains the requested records. The primary Capital One operating entities from which records are customarily requested are Capital One Bank ( USA ), N.A., Capital One, N.A., and Capital One Auto Finance. Capital One Bank ( USA ) , N.A . offers credit and debit card products, other lending products and deposit products. Capital One , N.A . offers a broad spectrum of banking products and financial services to consumers, small businesses and commercial clients, including traditional banking and credit card products. Lastly, Capital One Auto Finance, a division of Capital One, N.A., offers automobile financing products. ''
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES : TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. 
Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Product: Debt collection

The creditor I owe ( XXXX XXXX XXXX XXXX XXXX ) was called prior to charge off and told to cease and desist all phone calls but it was made very clear that I wanted letters. It was also made very clear that on both accounts the cease and desist must follow the account when it charges off. on approximately XX/XX/XXXX I called the law office of MESSERLI & KRAMER I talked to the collection department manager XXXX XXXX XXXX I explained that my wife took very il and will not be able to work for some time that's why the accounts were not being paid. I offered to make a very small monthly payment of XXXX a month on each account he told me " there is no way he will agree to terms like that " He placed me on hold came back to the phone and stated " if I have any request send them in writing " then he hung up on me. My complaint is that I never was given the opportunity to dispute the validity of the debts ( the amount owed ). IN the beginning og XX/XX/XXXX I called again I was transferred to the department that handles my accounts when they realized it was me they immediately hung up on me. CLEARLY MY RIGHTS HAVE BEEN VIOLATED. I DID SEND IN WRITTING A REQUEST FOR VALADATION OF THE DEBT 'S NO ONE HAS SENT IN ANY VALADATION! I wish the CFPB would pull the tape recording for all my calls then you will see that I speak the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX XXXX  XXXX The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
Product: Credit reporting or other personal consumer reports

I'm not related with these credit managers, and I didn't start the inquiry. I'm mentioning that you get them out of my credit report immediately. These sales are not supported by me and are pointless to my monetary exercises. I demand their expansion from my credit report.
Product: Credit card or prepaid card

I have never been late paying my Barclays credit card. I submitted all payments on Barclays website by the due date. Barclays didn't post my payment to my account for over 30 days. I have disputes this in the past and have gotten nowhere with them. If you make payments by the due date you should expect the credit card company to make the appropriate changes to you account in a timely fashion. This has hurt my credit score through absolutely no fault of my own. I have spoken to my attorney about this matter and he advised me to file one last dispute before taking more aggressive actions. Had I known that making payments on time with Barclays was going to hurt my credit instead of helping it I would never have applied for their card.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized account with the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being fraudulently reported on my credit report by XXXX, XXXX, TransUnion and the creditors wont fix the problem even with a police report and a FTC report.
Product: Checking or savings account

On XX/XX/XXXX I called wells fargo to close my business checking account. The call rep informed me my account would be closed I would receive an email within 72 standard hours. When I asked for an email during the call to confirm my account would be enclosed the rep insisted on 72 hours.

My account still shows as open and I have not received an email confirming my account closure. I have checked all my email spam folders for the email address listed on their file.
Product: Debt collection

My divorce was just recently final and I was in a very toxic, abusive marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.
Product: Money transfer, virtual currency, or money service

This is a follow on the CFPB complaint # XXXX. Today I received an email with the " XXXX XXXX '' logo in the normal upper left hand corner, again stating that I needed to call or get charged to my account. I did not respond, and deleted this email. Since the original scam, I have changed that credit union account number, as well as my corporate account number, added a new anti-virus software ( XXXX ), and paid for a local software company to take control of my laptop for a " detailed security inspection and malware removal ''. 
What is CFPB doing to require XXXX XXXX to notified that their logo is continually being used by scammers?
Product: Credit card or prepaid card

I made my payment on time and I got the next credit card statement telling me to destroy the credit card and that I have to pay a late fee. When prior to doing the XXXX XXXX it was stated that as long as I did it today I would not have to pay late fee. I made the payment on time and they seem not to care at all. I talked to XXXX XXXX they said it was urgent payment meaning in 15 mins not 3 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TransUnion LLC, XXXX and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.
Product: Credit card

I applied for amex 's platinum credit card through a friend 's invite link on XX/XX/XXXX. After I clicked on the link, the webpage showed that I could get a welcome offer of XXXX points if I spend {$8000.00} within 3 months, so I applied for the card and called the amex customer service number to confirm after submitting the application, the staff on the phone told me that I did meet the requirements and sent me the credit card in the mail. Within a month of receiving the card, I had spent {$9000.00}, which qualified me for the welcome offer, but I had not received the XXXX points. 

I spoke to the online customer service and was told that the system logged me as agreeing to give up the welcome offer, which I thought was unbelievable, there was no way I would give up my welcome offer! So the customer service agreed to start an investigation for me. However, when I asked for the result of the investigation, they told me that they could not find the call history and therefore I could not get the welcome offer, but I had made the call and I was able to provide the screenshot of the call history. 

I believe that amex is committing fraud by soliciting customers through advertisements and then denying it when they make good on their promises and can't provide any evidence. As a consumer, very passive and helpless, I feel cheated.
Product: Debt collection

Despite my repeated attempts to dispute and remove these fraudulent accounts, their persistence on your credit report is a source of immense irritation. The fact that other credit bureaus have taken corrective action and removed these accounts raises serious questions about the consistency and accuracy of your reporting practices. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The perplexing part of this situation is that other credit bureaus have managed to acknowledge and rectify the same fraudulent accounts, questioning the consistency and reliability of your reporting practices DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX PLEASE DELETE!!! 
I demand an immediate and thorough investigation into why these fraudulent accounts remain on your credit report when other bureaus have acknowledged their fraudulent nature and taken corrective action.
Product: Credit reporting or other personal consumer reports

The following account is the result of identity theft. 
Fraudulent account name : XXXX XXXX XXXXs Fraudulent account XXXX Dispute Reason : This account is an identity theft and was opened without my authorization. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Please note that you have XXXX days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification. 

Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e. 

Please Explain and Provide : What your Investigation found and lead you to believe you are reporting these items as they legally should be reported? 

What legal official documents were reviewed to conclude your investigation? 

Provide me with a complete copy of all of the information that was transmitted to the data furnishes as part of the investigation. 

How much did it cost your company to obtain all the necessary documents needed to complete your investigation? 

The proof of your timely procurement of all legal documents. 

The person or persons you spoke to at the company that was reporting the information to confirm the accuracy of what you are reporting. 

For every XXXX of the above accounts could you please provide the following Docs/Information : Who did you speak to verify the accounts? 
What was the name of the employee? 
Who was the person who answered your calls/ Disputes? 
What position do they hold at the company? 
What type of formal training was provided to this employee that qualifies them to do the job in answering a dispute? 

Please provide copies of all the paperwork that proves the investigation took place. 

Along with your response to the above questions I kindly request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get unauthorized inquiries off my credit report file with Equifax. I don't know how they allow 3rd party companies to add inquiries to my credit file that I have not authorized or approved. Equifax sent me a message that was attached to their paid subscription that stated that my Social Security # and my personal information had been compromised. I'm asking for the removal of any and all inquiries that were not authorized by me. In addition, to an investigation leading to the prosecution and arrest of the person ( s ) using my social security and personal information. Please DELETE/REMOVE any and all unauthorized inquires from my credit. My credit file has a note on it that asked that the company in which an inquiry is made contact the consumer FIRST before moving forward with the application process. That was not done and Equifax allowed these inquiries to be placed on my credit file with my knowledge or authorization. I have not put in an application for a car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquires on my and XXXX credit report. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 2XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I terminated a rental lease for serious medical reasons with the understanding, according to their contract  XXXX   XXXX   XXXX   XXXX  that they will work on renting the apartment as soon as possible. I agreed and offered to pay the months the apartment was not rented but they refused. Instead, they decided on remodeling a property not in need of remodeling and doing so at the expense of the Tenant, which demonstrates the Landlords failure to reasonably mitigate damages and bad faith on the part of the Landlord.     I,  XXXX   XXXX   XXXX  understands the legal relevance of his lease ; however the duty to mitig ate damages is in issue here. As indicated above, since the Landlord failed to mitigate damages and failed to place the   property on the market. Thus  XXXX   XXXX , should not be liable for any amount alleged by the Landlord due to the Landlords failure to mitigate damages.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting

Yes I have filied a identity theft to the XXXX credit reporting companys. I got 1 response to 1, the other 2 have not been able to due to not getting right address from them when I call. That is my one complaint that they do not answer or report the right information. My XXXX complaint is there is a report on my husband report and they told me at the county office that the credit reporting companies hire someone to go in and get info and report back to them. They do n't look at birthday or SS to make sure they have the right person or not. They reported on my Husband when it was my Son 's debt just cause they have the same name just one is a XXXX the XXXX. They told me its our job to look at our credit report and dispute something that is not ours if we see something wrong. I told her what about our credit score? It takes your companies 3 months to fix and the damage done what
Product: Credit reporting, credit repair services, or other personal consumer reports

I have entered into a settlement with this company. I have XXXX remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last 5 payments. Which is for XXXX each for 5 more months. I need this account removed. 

Thank you