23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting multiple hard inquiries on my report for accounts that I didnt apply for. An identity theft report was sent along with all needed documentation of its inaccuracy and it has not been resolved. There is also one collection on my credit again for an account I never applied for. 

XX/XX/2018 National Credit Systems {$4600.00} I submitted an identity theft report packet to them as well as police report.
Product: Credit reporting or other personal consumer reports

When the report was despised with the credit reporting of XXXX XXXX etc {$3400.00} For it was inaccuracie. XX/XX/year> the card exped Navy federal wouldnt renew it To this day the inaccuracy has not been removed and never answered about it I say it was never true, but very damaging
Product: Credit card or prepaid card

On XX/XX/2020 I filled out an application for a Amazon Prime card provided by Chase. During the application process, I was declined due to an all encompassing policy that Chase has, which states that any person who has opened 5 accounts within 24 months is denied their application, no matter their credit worthiness.

Unfortunately, this was not disclosed prior to applying for the card. As I was aware that I had opened more than 5 accounts within 24 months, I either would have waited until that was no longer true or I would have chosen not to apply. 

Now, I have a hard credit pull which negatively impacts my credit score, ongoing credit worthiness and ability to borrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that is not mine I have mailed out 4 disputes regarding this with FTC and nothing has been done regarding this. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

XXXX XXXX XXXX re-aged their collection account to adversely affect my credit. My last bill with XXXX was XX/XX/XXXX, but it is being reported to XXXX as placed for collections on XX/XX/XXXX. This was reporting correctly until about XX/XX/XXXX when the " Placed for Collection '' date changed to the incorrect date. This dropped my credit score 29 points for no reason at all.
Product: Mortgage

I over-pay my mortgage every month by 50-100 dollars. The payments are made automatically, electronically and for the last 5+ years I did not even receive invoices from PHH Mortgage. 

Last XX/XX/XXXX an increase in property tax created a one time increase in my payment. I did not receive a notice until ~8 month later when I got a late payment notice for XXXX dollars. I called PHH and they informed me that because of the increase in XX/XX/XXXX I had been charged a ~115 late fee each month for the last few months. I escalated the issue several times and was told I would be contacted by an adjuster. I also asked to start receiving paper invoices. 

A few weeks later I received a letter saying that if I payed XXXX, the matter would be closed. I send in the exact amount. 

XX/XX/XXXX I received my invoice and found that my monthly payment was XXXX, over my usual XXXX, looking closer, I was being charged a late fee of {$110.00} again! 

I called PHH and they informed me that even though my payment of XXXX was received and that they negotiated it, I did not include the pay stub with the payment ... so they didn't realize the XXXX was going towards the XXXX in late fees, so the applied the XXXX toward to XXXX, which caused me to have an outstanding balance and additional late fees - that they refused to reverse. 

I informed PHH that I would like direct withdrawl of funds because I thought they were intentionally making it easy to get charge fees. They told me I needed to send in a void check and wait 2 weeks or I could go and signup online. I tried to log into my account, couldn't, called them back ... they informed me that they delete all online accounts after 1 year of inactivity. Again, harder to get information and pay ... So I had to re-register and finally get signed up for automatic payment. 

In sum, I had to pay over XXXX in late fees and I don't even know what I lost in interest or principle in how they dealt with my payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX SSN : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : XXXX To Whom It May Concern, I am writing to formally request validation of the following account that appears on my credit report, as I believe this information may be inaccurate. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ). 

Account Details : Creditor Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Balance Reported : {$630.00} Date Opened : XX/XX/year> Status : Collection account This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made under the FDCPA. Please provide the following : 1. Identify the original creditor and explain what the money owed is for.

2. Provide evidence of how you calculated the amount owed ( {$630.00} ).

3. Supply copies of any documents showing that I agreed to pay this amount.

4. Provide verification or a copy of any judgment, if applicable.

5. Prove the Statute of Limitations on this account has not expired.

6. Show that the creditor is licensed to collect in my state ( XXXX  ).

7. Provide the license numbers and registered agent information for the creditor. 

If you can not validate this account, I request that it be removed from my credit report immediately. Please forward this letter to the creditor as necessary. 

I also request that you send me written confirmation of your findings and actions regarding this account. I have attached a copy of my ID and proof of address to verify my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

I received 6 {$100.00} Amex Gift Cards in the mail for a total of {$600.00}. Attached is a copy of the email confirmation and shipping information. They arrived in the mail XX/XX/2024. 

I attempted to use these cards at multiple online and in person retailers including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX always for less than {$100.00} in purchases but the transaction has been declined every single time for every single card. I have checked the balance on each card via the website ( AmexGiftCard.comXXXX ) and each balance is still {$100.00}. I can not find a way to spend my money on these cards. 
Upon looking online for advice, many people have reported having this problem in the last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Account Number To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. I have attached a letter in the file section along with photos of the inaccurate accounts that you have been reporting for many years and up to date. I will be following up within the next couple days to week to solve this matter immediately. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I had my credit pulled by a mortgage company and was told that RMP Services had put a debt on my credit report. I have no idea who this company is and why they put this debt on my credit. I havent been contacted by anyone. I would like this removed from my credit report.
Product: Credit reporting 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. 
Im the victim of an identity theft.I didnt authorize any of the following hard inquiries.Hard inquiries should only be made on my credit reports with my permission and clearly wasnt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

Serveral years back. A Item was sold on XXXX, which they forced the use of XXXX. Which XXXX has now purchased. after months of communication and speaking to those at XXXX. Was assured it was resolved., but I guess not. Seller filed a dispute. XXXX ( being only a middleman merchanct account ) WOULD not disclose which CC wa suse dfor purchase to appeal and fight th efalse claim. Was at complete mercy of XXXX and their decisions. The item sold was NEVER returned to me ( seller ) as per XXXX rules, but the buyer or XXXX/XXXX. Complete violation of the rules @ that time. As of XXXX-2017 XXXX balance is ) .. ( XXXX ) no negative. well ACI contacted me.. over 6 years later now., ,.. reopening the claim. Which was previously closed/setted XXXX and XXXX were both placed in collections for the account as well. As well as a lein judment against that buyer, who lives out of state MI..not VA where I reside so its unenforceable. Want this stopped and fixed. No need to drag on, and on, and on ... ..
Product: Credit card or prepaid card

In XX/XX/2023 I discovered that my American Express credit card account had been closed months earlier. 
I contacted them via phone and was told that my account was closed due to inactivity and my points were gone, and I had no other way to reclaim them.
Product: Money transfer, virtual currency, or money service

An individual from XXXX used PayPal to purchase a rare vintage shirt from me for {$1800.00}. Upon receiving the item, he filed a complaint and asked to return the shirt. Instead of shipping the item I sent, he returned a cheaper counterfeit shirt that was essentially worthless. I made the issue known with PayPal and they assured me I would be taken care of. After filing my complaint and submitting photos of the item I received, PayPal required me to file a police report or they would automatically deny my complaint without looking at it. After speaking with my local police department, they informed me that police dont get involved with postal disputes and that I would need to speak with the Postal Service . Another issue is that the item was shipped to an address in Connecticut and then returned from XXXX, incurring import taxes that Im forced to deal with. PayPal saw no issue with this absolutely unbelievable, its basically inviting limitless amounts of fraud.
Product: Credit card or prepaid card

XXXX XXXX XXXX v. Wells Fargo On XX/XX/XXXX at XXXX, I called Wells Fargo Customer Service ( XXXX ) because my debit card was unauthorized cancelled even though I had sufficient funds in my checking account. Wells Fargo staff neither reinstalled my card nor presented any mitigation solution to address the issue. Also, I could not access a branch nor a ATM because does not have one in XXXX XXXX Missouri. The closest branch is located at XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( around 26.92 miles ), and it is temporary closed as well as is its ATM is unavailable ( app.1 ). As a result, I could no buy food, gas, or other basic products ( Fig.1 ) Due to my desperate in having the basic needs fulfilled, I called Wells Fargo couple times, and each time I got different answers so sorry, there is nothing we can do. We apologize .that boiled down in nothing. I can rush a new card by  Monday XX/XX/XXXX ; however, between XX/XX/XXXX to XX/XX/XXXX, I have been exposed to starvation for lack of access to funds. 
On Saturday, XX/XX/XXXX at XXXX, I called again Wells Fargo , XXXX , the banker escalated to the Advocacy Dept. , XXXX , that escalated to somebody else. This individual said the solution is a ATM with access code for 30 minutes. However, according to her there is not ATM in XXXX XXXX and when I gave my Zip Code XXXX, she directed me to Mississippi. 
Wells Fargo in XXXX paid {$480.00} millions is a class action for wrongdoing. It is not a surprise that this financial institution is not complying with Expedite Funds Acts when comes to make the funds deposite accessible to the costumers.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Aldous for furnishing an inaccurate and unlawful collection account XXXX on my credit report. Aldous has engaged in abusive, deceptive, and unfair debt collection practices, violating the Fair Debt Collection Practices Act ( FDCPA ). This company is reporting and attempting to collect on an account for which I never signed a legal contract. A legally binding agreement requires the consent of both parties, and I did not authorize or agree to this alleged debt. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I also acknowledge that knowing and willful misstatements or omissions of material facts constitute a federal criminal violation, punishable under 18 U.S.C. 1001 and 18 U.S.C. 1621 ( perjury ).

Furthermore, this collection account is not related to any transaction I initiated. I allege that my personal identifying information was used without my authorization to apply for goods, services, or money, leading to the wrongful reporting of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and this info on my account is incorrect! Please remove these IMMEDIATELY
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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: Debt collection

Frost-Arnett , a debt collector, continues an attempt to collect a non-existent debt in the amount of {$92.00}. This amount was paid promptly at the office of the provider, on the very same day of service, XX/XX/2023. Weeks later, I received a lengthy phone call from someone representing the provider, XXXX XXXX, seeking the amount in question. I told them that invoice had been paid and advised them to check their records for the payment, which was made directly with the service provider. There was an obvious failure by them to perform any due diligence in this respect and are now harassing me by issuing collection letters which require my time be spent on contesting something that could have easily been dismissed. 
I have receipts from the provider for the amount being requested. It appears they would rather spend their time trying to collect twice rather than checking their own records! I find this type of business practice both predatory and intolerable, requiring some sort of legal remedy to put a stop to it.
Product: Credit reporting or other personal consumer reports

Hello I am looking at my credit report and these are the astronomical amount of inquiries I, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, CT did not authorize. I do not recognize these companies at all and I need all of these removed from my report. It has been hindering my ability to live a normal life and extend my credit to companies. There are too many for me to type so I attached 4 images. Please help me I have no open accounts with any of these corporations. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I discovered that XXXX XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX XXXX & Equifax remove this from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have violated my rights. 

15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instruction. 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: Credit card

On XX/XX/year>, I contacted American Express to discuss a balance transfer. I was informed that the account I have does not qualify to transfer from particular bank institutions, and only XXXX qualified, not the whole XXXX I was approved for. The terms were unclear and did not state this information when I initially applied. I asked the agent for more information where it stated this information, and he could not find anything and stated he would escalate for someone to call me back. I have not heard from them.
Product: Student loan

I am reporting multiple incidents involving one of your employees. The most recent incident was X/XX/2017 around XXXX XXXX. XXXX XXXX is the person that has called me, my fianc, and my father numerous times, regarding a student loan. About a month ago, he was calling up to 6 or 7 times per day about balance of {$800.00} from XXXX XXXX College. I immediately contacted my father and we paid the debt from XXXX XXXX. Today, he called me again but this time he said it was regarding a {$50000.00} debt to the company he works for. I have always tried to offer any information I could and resolve the issue. I am paying my student debt in monthly payments so I had questions as to why I was receiving so many phone calls from XXXX XXXX and why he was so aggressive over the phone. When I asked for more information, XXXX XXXX said he " did n't know why the numbers were so high '' and that I could be imprisoned for not settling this debt right now. I continued to ask for more information since I was clearly taken back by this news. XXXX XXXX replied by telling me that if I did n't " resolve the issue '' before XXXX XXXX tonight with him that there would be consequences. I wanted to bring this issue to your attention since I 'm sure your company does not condone this kind of unprofessionalism. <P/>Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that this account with XXXX listed on the credit report needs to be reporting accurately and complete according to the FCRA. Since XXXX of XXXX, I have in back and forth correspondence with the 3 credit bureaus outlining the issues with this account reporting. This account information does NOT reflect accurately and in return, the FACT IN POINT is that this account is in violation of the law AFTER I expressed my concern and showed the error. I have a confirmation from the credit bureaus AND from XXXX ( SEC 1681 ) that they performed their investigation. After reviewing my newest credit reports, I can see the inconsistent information STILL affecting my credit. 

ISSUE # 1 : XXXX DELETED this account after I expressed the issue to them. HOW could they see the issue YET Experian and XXXX  NOT see the issue. There was NO actual investigation done! 

ISSUE # 2 HIGH BALANCE is incorrect. Experian is reporting {$3500.00} and XXXX  is reporting {$3500.00}. 

ISSUE # 3 : Date of first delinquency ... This is reporting inaccurately with XXXX of XXXX on Experian and XXXX of XXXX on XXXX. That's over 60 days.. How is this even possible if there was an actual investigation ISSUE : Experian or XXXX Intentionally REMOVED the positive reporting for XXXX and XXXX of XXXX. They are manipulating my score. This ND reporting for multiple months is misrepresenting my account history. And seems completely intentional to hurt my financial health I have included the images of the reports that were sent to my house. I am highlighting the errors still existing today. There was no investigation because the information is still violating the FCRA. I understand my rights and for me to keep mailing letters costs me money and time. Both if which I will seek compensation for if this is not fixed NOW.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> this balance pay in full of {$43.00} from checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts on my credit report that are not mine DUVERA BILLING SERVI {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$370.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Address is incorrect should only show and be XXXX address XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX. I have requested removal of all other addresses before and they would be removed only to come back on a short time later!