23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Well in the year of XXXX there was an account open under the last 4 digits of another SSN which it does not belong to me and is attached to my name somehow, which I have no clue how it got attached to my name but it was through the bureaus.I have provide the documents that Equifax has requested to block the account from my report, and all other credit bureaus, which was the Federal Trade Commsion Report and the Police report which has the date of fanancial fraud from XXXX XXXX to XXXX XXXX years fighting for my identity is a long time.Plus Equifax created a credit report that I was born XXXX XXXX in the year of XXXX which that has been sent to equifax as well though my identity being restored.Equifax has made it clear that the FTC report and the Police Report must be sent it to blocked the information now they are denying my requested to block it after I submitted the information in they are ignoring the 605 B FCRA rule and my credit report has drop XXXX points as of XXXX XXXX total blame is on Equifax from the past of creating a profile for me that I was born XXXX XXXX which would have made me XXXX XXXX XXXX in XXXX I was only XXXX  years of age.The account should be blocked from my report because the account was open under the last 4 digits of an SSN that does not match my SSN.After having an interview for a federal background check on XXXX XXXX a lot of things came out after having a background check done by the Federal Govenment.Equifax sent a letter on XXXX XXXX stating how to block the information now they are denying the request after sending the information on XXXX XXXXAccording to XXXX XXXX provide that information of different SSN numbers which are totally different last 4 digits which is not mine XXXX is not my last 4 digits but it is attached to my SSN.This information should be sent to all of Equifax Departments
Product: Debt collection

Every single year, since about 2018, I get a call once or twice a year stating that Ace Cash Express has hired them to collect a debt from me. I have asked many times to have proof of debt sent to me and have also asked them to quit contacting my family members and my place of employment. The problem is, every year it's a different company that calls me, but it's always about the same thing. 

" XXXX XXXX from the XXXX XXXX XXXX calling in regards to petition that's been filed here in my office. I need to speak with either yourself or your representing attorney immediately. I can be reached directly at XXXX my direct extension XXXX is when calling please reference filing number XXXX. Failure to respond would be my recommendation would be solely on the information provided I can assure you my intent will be to move forward with the charges ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had the Loan with XXXX XXXX XXXX of the car i purchased in XXXX of 2018. I have been paying {$350.00} in the XXXX of every month till XXXX when without notice all our Contracts were sold to another company. Not one time did they report any of the payments on the account. I was told it would be 30 days since the opening of the car loan. That didn't happen, contacted the company at the end of XXXX to address issue and was hung up on multiple times. Asked to speak to manager and it didn't make a difference. After no notice of the change in company I was told by new finance company that XXXX XXXX has not reported any payments since XXXX of 2018. When i contacted Westlake Portfolio Management LLC in XXXX i was told that it would see it the first week of XXXX for it to report. Spoke to someone in the company beginning of XXXX that reports to the credit and she stated that i should see it in the next 5-7 days. I waited till XX/XX/XXXX when it was still not reported to my credit still and was told it would be escalated to a manager. Still heard nothing regarding this from Westlake about this issue. I spoke with them today and got two different stories from an employee and a manger that went from 30 days to 60 days and that its a transfer loan so its going to take much longer to report. They didn't give me a definite answer on whether or not it has been reported and filed, I keep being told you will should see it next month, and its not on my credit report. Its difficult because I keep being told you will see it next month and nothing is being reported and how are you supposed to rebuild your credit when you are making your payment of {$350.00} every month from XXXX till current month being XXXX and its not being reported.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI has been sending me collection notices in the amount of {$85.00} and the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit card

I have XXXX promotions with deferred interests expiring on XXXX XX/XX/XXXX and a Balance Transfer Check with no interest until XX/XX/XXXX. I noticed that my minimum payment was applied more to the promotion expiring in XX/XX/XXXX than to any of the promotions expiring within 30 days. When I called to reallocate the payment towards the promotions expiring within 30 instead of the one expiring in XX/XX/XXXX, I was told they couldn't reallocate the payment because it was locked. 

Upon review of my statements, it doesn't appear my payments have been applied even to the notice within my statements, which reads impart on page 2 of my statement : " Paying Interest .... In billing cycles in which payments are allocated to deferred interest balances first, the deferred interest balance will be reduced before any other balance on the account ... .. '' I've been told over and over by many account specialists that payments must be applied to expiring promotions within 30-60 days first to avoid unnecessary interest. I'm being told that, but it doesn't actually seem to be happening automatically, unless I call. This is the first time I was ever told I couldn't have a payment reallocated to expiring promotions because they were locked. 

I spoke with XXXX, an Account Manger today, after two other reps, and she said my Balance Transfer check promotion has a minimum payment due, however I don't see that anywhere on my statements. In reviewing my statements though, I do see that my payments have been allocated willy-nilly and in a manner to which more interest than necessary can be calculated, which is what payment allocation guidelines were supposed to prevent. The Balance transfer checks applied a service fee upon use, and no interest until the promotion expiration date, so why would they say a minimum payment is due for that promotion, but it doesn't show that on my statements? My other promotions with a deferred and accruing interest show minimums due. 

I'm attaching my Credit Card Statements. Notice how Home Depot another Citi Retail Services card handles interest awareness and promotions. They indicate exactly how much to pay to avoid interest charges especially including promotional purchases.
Product: Debt collection

Towne Mortgage is a company that purchased a home sometime this year from XXXX, a company that held a mortgage on which I filed chapter XXXX bankruptcy and had discharged in XXXX 2014. Towne Mortgage has fraudulently reported on my credit report that I have an account with them that was included in bankruptcy, so that it seems I have XXXX mortgage accounts that have been included in bankruptcy. I have never held an account with them and because the loan was discharged, I was legally no longer obligated to this home or loan. Since they have recently purchased this home, it has began to appear on my credit reports in the last 2 months and has negatively affected my credit score. I have provided proof to the company that this account is also showing with a balance owed on my XXXX report and is being reported twice by Towne Mortgage on my XXXX report. I have been back and forth with Towne Mortgage for the last 3 months over the inaccurate reporting and the negative impact it has had on my score and subsequent ability to gain credit. They have yet to resolve the issue. As I have explained to them, as well as my bankruptcy attorney, once the debt was discharged, they do not have the right to report anything on my credit report regarding the debt, since they were not the holders of such when it was discharged and the loan was not reaffirmed after my bankruptcy. XXXX XXXX has correctly reported the debt, and it reports on all XXXX as included in BKP, as it should. XXXX Mortgage has never been a holder of any debt that I am responsible for, therefore should not be reporting anything on my credit report.
Product: Checking or savings account

On XX/XX/year> I was asked, by who I thought was XXXX XXXX, to go to Bank of America and withdraw XXXX. I did so. Then I was told to go to a particular bitcoin machine and send it. I did. I later on this day, I reported it to the sheriff 's department and made out a report. After the report an investigator took over the case. He told me to call and report it to the FBI. Which I did. Also, he told me to report it to the XXXX credit bureaus. Which I did. I now have credit alerts on all three. I also reported it to the Bank 's fraud department and gave them the police report number. My problem is that because I withdrew the money myself Bank of America refuses to put the money back in my account,
Product: Credit card or prepaid card

DEAR SIR/MADAM, I RECEIVED OKLAHOMA TAX REFUND AS A DEBIT MASTER CARD, A XXXX CARD, END OF XX/XX/2018. I ACTIVATED IT AND THE THE TOTAL AMOUNT THAT OKLAMHOMA REFUNDED WAS {$370.00}. HOWEVER WHEN I WENT TO USE IT I COULD ONLY USE {$370.00}. THUS, I CALLED MANY TIMES TO GET MISSING XXXX REFUNDED. I NEVER CALLED TO GET THE BALANCE ON THE CARD, BUT THE COMPANY HAS A SCAM THAT EVERY TIME YOU CALL THEY CHARGE YOU XXXX, EVEN THOUGH YOU DO NOT WANT THE BALANCE. SO JUST TO SPEAK TO A REPRESENTATIVE YOU GET CHARGED XXXX, THIS WAS NOT NOTIFIED TO ME WHEN I RECEIVED THIS DEBIT CARD FROM OKLAHOMA TAX REFUND. THIS IS THE FIRST TIME I HAVE RECEIVED THIS TYPE OF DEBIT CARD. MY LAST CONVERSATION WAS WITH A SUPERVISOR NAMED XXXX XXXX XXXX ON XX/XX/2018 WHO SAID I WAS REFUNDED XXXX ONCE BUT NOW I HAVE A NEGATIVE BALANCE BECAUSE I CALLED SO MANY TIMES, SINCE EVRY TIME I CALL TO SPEAK TO A REPRESENTATIVE THEY CHARGE XXXX CENTS. XXXX XXXX OWNS XXXX XXXX, THE NUMBER OF XXXX IS XXXX, THE NUMBER OF XXXX IS XXXX. PLEASE ASSIST ME SO THE COMPANY SENDS ME A CHECK FOR XXXX, THEY SHOULD CLOSE MY ACCOUNT AND MY CARD. I ASKED XXXX TO DO THAT BUT SHE WILL NOT CLOSE MY ACCOUNT, SHE SAID SHE WILL CLOSE MY CARD BUT WILL NOT SEND ME EMAIL OR MAIL VERIFICATION THAT THE ACCOUNT IS CLOSED.
Product: Debt collection

Sears has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complain to XXXX XXXX XXXX. 
In my complain # XXXX you have told me that hard inquiry placed in my credit report was by XXXX XXXX XXXX XXXX. I recived a response from that company " XX/XX/2021 Consumer Financial Protection Bureau RE : Complaint No. XXXX | XXXX XXXX To Whom It May Concern, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX  ) is responding to the complaint filed by XXXX XXXX ( Prospective Borrower ). We have completed an internal record search and found no record that Mr. XXXX credit had ever been pulled. If Mr. XXXX can provide further information or documentation supporting XXXX  XXXX  XXXX  having pulled his credit, we encourage him to contact our Corporate Customer Service Team directly at XXXX, ext. XXXX for further assistance. Respectfully, Customer Service Management XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE ACCOUNTS. UNDER XXXX XXXX CODE XXXX THE ITEMS SHOULD BE BLOCK AND REMOVED.
Product: Mortgage

I have been paying on my mortgage for a year and a half, only to find out that my payment I sent in early were not being applied to the balance forward but to principal. Loancare has now informed me I am ( 3 payments XXXX behind in my mortgage and incurring late fees and bad credit markings, that the balance payment will not be moved from principal ( 4 payments XXXX where they should have posted to bring the account current and ahead as it should have been posted in the first place. 
I have inquired about this since XXXX 2020, only to promise they will fix the error. This has not been done to date and now I have 24 Hrs to fix this issue or loose a standing offer to refinance at a lower rate. 

This is what I get for paying ahead and having excellent credit rating.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$290.00} XXXX XXXX XXXX Balance {$2100.00} XXXXXXXX XXXX XXXX Balance {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, an Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without written instructions.
Product: Debt collection

My XXXX credit card account was sent to North Star Companies. I called after receiving a letter that a judgment was taken out on me about my account. When I called I was told my account was in a pre-legal status so I went ahead and set up a payment plan of about {$100.00} a month. This month my car stopped working and I needed it fix. So I called Northstar Company to see if instead of paying on the XXXX XXXX I could move payment to XXXX XXXX. I was told that because my account was in a pre-legal status they could not make any accommodations since I was already paying a low monthly amount, which I believe not true, because I have had issues in the past and accommodations have been made. I was then asked that if I could not make the XXXX XXXX, could I go borrow the money which I found offensive. I am already in debt why would I go into more debt.
Product: Debt collection

A few months ago, Macys suddenly sent me a bill stating that I owed {$340.00}, even though I had never purchased anything from them. I tried to communicate with Macys, and they explained that they had mistakenly sent a {$300.00} check to the wrong person and wanted us to pay that amount back. However, the truth is that we never received any check. After Macys investigated, they canceled the {$300.00} charge, but there was still {$40.00} left as a late fee for not paying that original {$300.00}. 

We felt that this was not our fault and that we had no obligation to pay this fee, so we didnt. However, the late fee kept increasing and has now reached over {$300.00}. Ive called Macys multiple times, but their response is always that I need to pay this amount.
Product: Credit card or prepaid card

This account ( account number XXXX ) is reporting late for XX/XX/2020 and XX/XX/2020 when I haven't been able to use this account in months it had a {$7.00} or {$17.00} balance I paid {$20.00} which covered and should be reporting a {$0.00} balance they are charging me late fees for an account i can't use because they have failed to update my account as they were supposed to after i SENT all documents requested and they won't inform me why my card is flagged as fraud and delayed this case when they had paperwork months ago and now charging me fees for it
Product: Credit reporting

The account of XXXX is being shown on my account after I have disputed it and provided a police report, stating that this account is not mine and is fraudulent. I have requested the account to be removed from my credit report and it has not been removed. It has been more than 30 days and nothing has came about ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed calls to XXXX XXXX and Equifax trying to obtain help in removing certain inquiries that I had not authorized. The unwillingness to assist in removing bad or erroneous information by the staff members was nothing short of deplorable. Also, these hard inquiries have caused damage to my being able to obtain certain things.
Product: Debt collection

CashNetUsa is trying to collect a debt in which I never did any type of business with this entity. This company does not appear on credit report. This is a fraudulent account. This company is trying to take advantage of me because of my XXXX.
Product: Debt collection

I didnt have the correct option to check a box. I have disputed this item and keeps coming back as accurate. This account was deleted from my XXXX  report meaning the account has been closed. Why cant it be deleted from XXXX and XXXX? Its 6 yrs and 10 months old.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts XXXX XXXX XXXX XXXX XXXX ( duplicate entry ), XXXX XXXX XXXX XXXX, XXXX XXXX ,
Product: Debt collection

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX USAA Savings Bank XXXX XXXX XXXX XXXX Re : XXXX XXXX  XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I have a {$6600.00} charge-off. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent a dispute about inaccuracy on my credit report I asked for a copy of proof I made late payment, disputed the XXXX on my report, I was never sent a 21 day notice of my payment being late and eqifax never responded in the 30 day window
Product: Debt collection

YOU BROKE THE LAW You are in violation of the following subsection of the FCRA 15 USC 1681. Before I proceed, I would like to be clear to your company and those in position of authority at your company that congress makes it clear that the banking system is dependent upon my consumer report being fair, and accurate to me. Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 3 ) you were not given that role. You assumed this vital role, and because of your assumption you have negatively affected my life and those around me causing me severe hardship, mental anguish and depression. I have been unable to get a job because you assumed this role. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) you were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction ( s ) even took place. You were also impartial because you allowed information to be reported without ANY evidence or consent, while only hearing one side of the story. You also infringed upon my right to privacy. 

NOTICE of Identity Theft and Fraudulent Accounts Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. THE BUREAUS. Account XXXX XXXX XXXX. XXXX XXXX. Account XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account Number XXXX 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. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX