23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Army Exchange PX allowed my son who I have full Guardianship of get an Military Exchange PX Card. Now the bill is XXXX and they want the full amount right now! I told them and faxed to them a copy of the Guardianship that states my son is not countable for any accounts, credit cards, etc. Nor will I be held responsible either. My son got this card couple months right after I got the Guardianship. Army Exchange PX Military Star Card needs to take this off his credit reports and stop all form of contacting and threatening measures right now!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that the XXXX XXXX  account was properly investigated and verified on several occasions ; but how is this possible if the Date Opened, High Credit, Credit Limit, Payment Status, Last Reported Date ( XXXX Equifax, XXXX ), Date Last Active, Date of Last Payment, Two-year Payment History and Comments not showing that I disputed this account are not accurate on all three reports? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.
Product: Credit reporting or other personal consumer reports

Spoke several times to agency at Capitol One Credit Card Services regarding the delinquency reported on XX/XX/2023. They claim they did not receive written information. I have sent that via mail as requested dated XX/XX/2023. The account was not delinquent for XX/XX/2023. A payment arrangement was in place ahead of time.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted XXXX letters to all XXXX credit bureaus. I asked that they remove all reportings on COLLECTIONS as they were reporting false information about me. Here are the accounts reported by XXXX, XXXX and Transunion. 

XXXX XXXXXXXX XXXXl Acct # XXXX ... Past due as XX/XX/2023 XXXX XXXX XXXX Partial Acct # XXXX ... PAST DUE BALANCE OF {$4400.00} as of XX/XX/2023 XXXX XXXX Partial Acct # XXXX Closed. {$510.00} written off. ( Why does this account still show on my credit report? )
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A CHARGE OFF REPORTING ON ALL THREE OF MY CREDIT PROFILES AND THAT CHARGE OFF IS FOR XXXX XXXXXXXX XXXX. MY SOCAIL SECURITY NUMBER WAS FOUND ON THE DARK WEB. I'VE ALSO NOTICED THAT THE STATUE OF LIMITATIONS IS EXPIRED ON THIS ACCOUNT FOR STATE OF IOWA. 

According to the information given to us by the credit bureau, the date of last activity by the original creditor was ( XX/XX/2016 ). The Statue of Limitations on this alleged debt, even should it be ours, is 5 years in the state of ( IOWA ). 
Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on XXXX debt. 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). 
However, I would like to point out that it violates provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt. 

The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfullyreceived by any debt collector for the collection of a debt. 

Section 604. Permissible purposes of consumer reports The exact statute : [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ;
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated. 


Account Name : 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
Product: Checking or savings account

On XX/XX/21, I loaded my Coinbase debit card with {$1000.00} and attempted to make a purchase at XXXX with it. Due to an issue, XXXX cancelled the transaction at the register and sent my money back immediately. However, Coinbase has not credited my account back yet. 

I have phone recordings proving that XXXX has sent Coinbase the refund, and that Coinbase admits that they received the refund from XXXX. Furthermore, Coinbase acknowledges that they have not credited my account with the missing {$1000.00}. I have attached one such recording to this complaint ( it is in a .zip file due to the XXXX limit ). 

When I call Coinbase, they keep escalating the case to an email-only team that never responds. 

Coinbase case numbers : # XXXX, # XXXX. I also have several " escalation '' numbers.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report monitoring service and there are 3 accounts with money owed that are not mine. It says XXXX XXXX / XXXX XXXX / and XXXX. I am asking cfpb to see who is the person to contact to remove this item off of my report. I also see if follows under the provisions of 15 USC section 168i of the Fair Credit Reporting Act of 1970. Please delete and remove this items off of my report record.
Product: Mortgage

Our mortgage was sold to Residential Credit Solutions XX/XX/XXXX. RCS does not accept automatic bank transfers, our bank, XXXX XXXX XXXX, must send a paper check to RCS for our mortgage if we use online billpay. The first sign of trouble came XX/XX/XXXX when we paid our mortgage XX/XX/XXXX. We paid on XX/XX/XXXX it was withdrawn from our account on XX/XX/XXXX, and not applied until XX/XX/XXXX, a total of 9 days. We were charged a late fee for this payment. I wrote RCS and the late fee was returned. Over the next few months, payment delivery times varied, but were normally between 5 and 7 days between the time I requested the payment to be made and the time the payment was applied. 
XX/XX/XXXX : payment made on XX/XX/XXXX, withdrawn on XX/XX/XXXX, processed XX/XX/XXXX. ( 8 days ) XX/XX/XXXX : payment on XX/XX/XXXX, received and processed XX/XX/XXXX ( 5 days ) XX/XX/XXXX : payment on XX/XX/XXXX, received XX/XX/XXXX, processed XX/XX/XXXX ( 7 days ) XX/XX/XXXX Payment XX/XX/XXXX, received XX/XX/XXXX, processed XX/XX/XXXX ( 7 days ) XX/XX/XXXX payment XX/XX/XXXX, received XX/XX/XXXX processed XX/XX/XXXX ( 6 days ) The problem was with XX/XX/XXXX. The payment was made XX/XX/XXXX, received XX/XX/XXXX, and processed XX/XX/XXXX ( 15 days ). We were again charged a late fee, even though the money was received before the end of our grace period. We have been told they will not refund the late fee this time, even though it is obvious that the processing time was in some cases THREE TIMES as long as in previous months. 
This seems extremely suspect. The closer to the end of the grace period, the slower that RCS processes payments, but the more {$73.00} late fees they can charge for " late '' payments. In 20 years of homeownership, we have never made a late mortgage payment and yet RCS has managed to say that twice in 6 months they have n't received it in time to process before the due date. No bank XX/XX/XXXX should not be able to accept ABTs. The only way RCS will take an automatic payment is through XXXX XXXX for an additional fee. This is absurd and is outright piracy of people who have no control over who services their mortgage. These fraudulent fees are not fair to consumers when the control on processing time is completely controlled by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Paycheck was not deposited and there was no contact from the bank alerting customers to this issue. The end result is bills not being paid and hardships.
Product: Debt collection

I received a notice of deposition XXXX XXXX in aid of execution. The statute of limitations for credit card debt is 4 years in Florida. This is the statute of limitations for an open account, which includes credit cards. 

It's been over 7 years. They are violating the Fair debt collection practice act. Which prohibite suing or threatening to sue for a time barred debt.
Product: Credit reporting or other personal consumer reports

As that darned commercial promised, I did get a hold of my credit report, and let me tell you, I'm beyond fed up with the glaring inaccuracies I found. It's maddening, to say the least, because I'm a responsible, on-the-dot payer, and I'm not about to let these blunders tarnish my reputation. I'm not in the mood for this nonsense, and I expect you to set things straight, pronto! I'm not here to exchange pleasantries ; I need you to roll up your sleeves and fix this mess pronto, just like your commercials lead me to believe you would. My patience is wearing thin, and I won't stand for these inaccuracies any longer. XXXXXXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Mortgage

I made my scheduled payment on XX/XX/2018 and paid the full amount to my mortgage lender, Home Point Financial. This was my third payment to them, as my mortgage was recently sold to them. Later in the month ( about two weeks later ), I received a modified escrow schedule. The schedule states that based on Home Point Financial 's Analysis, my payment will need to be increased about {$160.00} per month and the company " likes to keep a reserve in escrow of {$520.00}. '' It clearly stated this was not a bill. I received another such notice within about a week and this time the monthly estimated increase in payment was about {$150.00}. 

On XX/XX/2018, I received a letter informing me I was {$160.00} delinquent on my account for XX/XX/XXXX and threatened with collections. For the past week before, I had received calls every day from Home Point Financial where no message was left. On XX/XX/2018, I received a phone call informing me I was delinquent on the account and a woman telling me she wanted me to pay right now. I informed her I was looking into the matter and was in the process of making payment. She then threatened to send this to collections if it went due past 30 days. 

This prompted me to call Home Point 's customer service. I was told the balance showed XXXX on one screen and that I owed {$160.00} on another. The representative stated " well you have 60 days anytime your mortgage is new for payment so it's not an issue. '' She then attempted to collect the money and I asked about the authorization for the escrow reserve which was never granted by me. She sent me to escalations and I spoke with another gentleman. He advised the analysis on my account for escrow should not have ever been run and my payment should not have changed. He confirmed that if it had been changed, I would have had 60 days advanced notice. He said he would try to set my payment back to what it was and I would need to check to make sure the XX/XX/XXXX payment ( which I was told was held and not applied ) had gone through in a couple of days. 

I sent a message to customer service again inquiring as to the authorization for the escrow reserve and a better explanation of the analysis which was run on my account when it shouldn't have been. All I was told was they saw I spoke with someone on the phone and they " apologized for any inconvenience. '' So they make a mistake, demand more money and not notify me until long after my payment was made that I owe them for a large escrow reserve I never agreed to. On top of that, they then harass and threaten me with collections for their mistake???? This is not an acceptable business practice.
Product: Debt collection

To whom it concern. 

I am a person with good credit score who pays his debts and obligation as a respectful and good citizen. 
I am victim of a fraudulent action from AMSHER COLLECTION SERVICE AND XXXX. 
Both companies are charging me {$1000.00} for a cell phone service that does not below to me. 

The account or service they are trying to collect belong to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

It is true that XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Was my company by XXXX  but I transferred this XXXX  to the new owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reason I contact the bill department of XXXX and the answer was that I was right and everything was a mistake ; because the phone bill should be pay for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX who is the owner of the XXXX  on mention. XXXX did not give me any receipt or document that support that I do not owe any money to the cell phone company because I was not in the system. 
The customer service said to me Dont worry XXXX XXXX you are not in our system that account is not yours. It belong to other person and we can not give you information that does not belongs to you I notice to the new owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. About this situation but I dint get any answer from hem. 

Even I ask to myself what kind of phone service without contract costs {$1000.00} when a phone service should be cut off after a month without pay!!!! 

I am victim of fraud, abuse and harassment from AMSHER COLLECTION SERVICE AND XXXX. Something that is not easy at this time when inflation and the economy of the country are very difficult for any American family. 
Built a good credit take years and I can not believe that two large companies use all its power to destroy families without consequence. 

Thanks for your time, help and comprehension From a man with good faith
Product: Credit reporting or other personal consumer reports

XXXX multiple occasions, including XXXX, I identified issues with my XXXX XXXX account on my XXXX credit report. Specifically, the account shows a status of XXXX XXXX as of XX/XX/year>, with a balance of {$33000.00}. However, I previously disputed this information and provided documentation, but the account remains incorrectly reported. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX and XXXX are required to accurately verify any reported information within 30 days of the dispute. Since this obligation was not met, I request that this charge-off be thoroughly investigated and removed if it can not be substantiated. Additionally, I request that any negative impact on my XXXX XXXX due to this erroneous charge-off be rectified immediately.
Product: Debt collection

On XX/XX/XXXX, Sunrise Credit Services received a certified letter from myself requesting debt validation. The company sent a Billing Itemization. On XX/XX/XXXX, a 2nd certified letter of request to validate debt was sent to Sunrise Credit Services requesting proper debt validation per FDCPA guidelines. The letter requested a response within 15 days. As of today, XX/XX/XXXX, Sunrise Credit Services hasnt  responded to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, they do not belong to me, they are hurting me, please review them Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

3. Identity Theft NAVIENT Account Number : XXXXXXXX This is not mine. 

4. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

5. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

6. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

7. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

8. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

9. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

10. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

11. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

12. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Debt collection

In the year XXXX through XXXX, I received over XXXX calls from Hauge Associates. They all came from different numbers, so there was no way to tell who was calling. In one instance, the person on the other end of the phone started using abusive language until I finally got frustrated and hung up the phone. 

I started ignoring any calls that came from numbers I did not know, I was getting phone calls a few times a week from them. I believe this is a terrible tactic. I have not received any correspondence from them via mail to notify me of any debts. I have never been provided any sort of billing statement either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for a loan with XXXX. There is an error on my credit report showing that I tried to obtain a loan from a car dealership and it was denied. I also had to remove 3 addresses on my credit report. I want this error to be deleted from my credit report. My credit score was lowered and I believe the incorrect information on my credit report caused my score to be lowered. 

I believe all three credit bureaus have information that is false and I would like the inquires about my applying for a car loan with XXXX to be removed from my file. 

I am concerned that the inquiry to XXXX was listed on my report in error. I never applied for any loans and I do not understand why this is listed on my credit report. 

It looks like this inquiry was added to my credit report in XX/XX/2019. 
I did not make any applications for a car loan with any company.
Product: Debt collection

There is a collection on my credit profile from Hunter Warfield that was deemed not my debt. I have had this derogatory mark removed by 2 of 3 credit bureaus and demand this gets removed from XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act Money Lion Account # LL-I 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I had XXXX XXXX to have removed... the surgeon was negligent in closing area and I became XXXX due to XXXX XXXX. Put in hospital for 1 week in XXXX unit. Told doctor I would not pay due to his negligence and related hospital bills incurred. Now a collection company is threatening to continually report non payment to credit companies until paid! Already explained to them numerous times
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 15 Hard inquiries i dont find familier.