23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX XXXX, responded to a summons from Schrieber indicating that I owed on a debt. I gave Schrieber my answer to this complaint and responded with a request for a reinvestigation of debt. The information that was sent to did not coincide with the information that was requested in the reinvestigation letter. All that was sent to me was numerous old monthly statements with past due balances and credit limits. Considering I have never had a contractual agreement with this collection agency ; therefore, i am not understanding how I have s past due balance with this agency.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibilty to report Consumer information to the best of their ability with Maximum Accurancy. I have never been late on payments for the account : XXXX Bank of America ) : ( XXXX XXXX XXXX XXXX ) Please invsrigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX, 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

my name and credit info was given to this company named Collection Professionals by a XXXX XXXX. I spoke with this company who refused to rectify this debt by way of giving it to the responsible party. i paid the XXXX dollars because i was threatened by this company that they would report it on my credit. This debt is not mine. They even put a XXXX, illinois address on my file which i never lived in XXXX, Illinois. I never agreed to this debt or signed my name to approve any services from a doctor or this company.
Product: Credit card or prepaid card

I requested PayPal to dispute a charged that I have not received for amount {$590.00} im asking PayPal Mastercard to credit amount back for {$590.00} which i have not received card # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these companies listed below to pull my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX 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  Account # 1234, 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 a account without my written instructions 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 reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to each of the credit bureaus because I bankruptcy on my credit report is not reporting 100 % accurately as it should be per the FCRA. Each of the bureaus sent a letter back saying they the information was correct and that they received the information from either XXXX XXXX or from my local court. On XX/XX/ I sent another letter to each of the credit bureaus again stating that I had already contacted XXXX XXXX and had my account frozen months ago because of a personal matter and I provided them with proof that my XXXX XXXX account was frozen so they blatantly lied about verifying the accuracy of the information! I also contacted my local court to see if they could provide clarity and they said they had not sent any information to the credit bureaus. I also sent proof of this to each of the three bureaus. I sent my last communication to them certified mail to keep a track record, I'm also taking great notes of our communication. The FCRA states that the information that they are reporting should be 100 % accurate and verifiable. They have failed miserably to verify my information. They are only sending me canned responses as if they dont care about the information reporting wrong. I plan to take steps to sue EACH of them and thats why I'm taking notes and keeping records
Product: Debt collection

I received a billing statement from XXXX XXXX which I don't have account with them. I contact XXXX XXXX that I never open an account with them and they ensure me that it was taking care of. Few month later, I received a debt collecting letter from Nationwide Credit and phone call. I told them it was a fraud and someone use my name and the SSN # was different. They are very rude and threaten me that if I don't pay they will take me to court.
Product: Debt collection

National credit audit Corp was audited and trans union after review deleted this account for {$4100.00}. They still have not deleted and or reporting false information
Product: Mortgage

They are charging me interest on {$80000.00} when my current principal balance is {$65000.00}. I have contacted them several times they refuse to acknowledge this problem let alone make any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section XXXX of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section XXXX ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Vehicle loan or lease

The company is American Credit Acceptance, the loan was in XXXX of XXXX. The original loan was approximately {$4500.00}. In XXXX of XXXX I feel behind 90 days due to divorce. I had the car impounded by American, I paid the towing, fees, and rear payments etc. I noticed the following months that I wasn't getting an invoice mailed any longer, I contacted American at least 10 times my explanation was startling. They told me I can have the car and make payments but its now repossessed status even though I have it, and American is not obligated to send out any correspondence on payment due, balance etc. I ran my XXXX XXXX report and the balance is XXXX, as well no reporting since XXXX of XXXX for a car that I still make monthly payments on. I never know if my payment has gone towards the balance or due date without data. I was reported to XXXX on XXXX and XX/XX/XXXX with incorrect data and since then not another report to any agency. The nasty behavior from the company has left one alternative but to contact FTC, how can I stay on top of a ghost loan, as well not correct the old bad of XXXX. I dont have a clue I just call them once a month. Ive enclosed my XXXX XXXX for American Credit as proof of XXXX owed, and them not reporting on money they are receiving. I will not be able to give you a correct loan number etc, because I havent gotten a statement in years. My old phone is XXXX for reference, current number is in the following page
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Charge-Off Reporting Error Dear TransUnion, I am writing to formally dispute an inaccuracy on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed incorrect information associated with the following account : Creditor : XXXX XXXX  Balance : {$52000.00} Date Reported : XXXX, XXXX, XXXX The inaccuracy pertains specifically to the reporting of a past due balance on a charged-off account, which violates standard credit reporting guidelines. A charge-off indicates the creditor has written off the entire balance, and therefore, no portion of the debt should be reported as past due since the full balance has already been written off. 

This misrepresentation is damaging my credit score and fails to meet the standards for accurate reporting as required under the FCRA ( 15 U.S.C. 1681 ). I am requesting that this error be corrected by either : 1. Removing the past due balance associated with the charge-off.

2. Deleting the entire account entry if it can not be verified for complete accuracy.

I have attached a copy of my credit report highlighting the error along with proof of my identity for verification purposes. Please investigate this matter promptly and update my report accordingly. 

I expect a response within 30 days, as required by the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX 3rd Enclosures : Copy of Credit Report with the error highlighted Copy of ID ( Drivers License or Passport ) Proof of Address ( Utility Bill or Bank Statement )
Product: Mortgage

In XXXX XXXX XXXX, my home mortgage was transferred from XXXX XXXX to Mr. Cooper. I had elected automatic payments multiple times - online, over the phone. Monthly automatic payments were applied On XX/XX/ I logged into Mr. Cooper ( who has recently been hacked, their site has been degraded since XX/XX/XXXX, I suspect many people 's account information has probably been lost ). My account was displaying a late payment. It was not clear which payment was missed, but I owed 2x my normal monthly payments. I was not alerted at all that : Automatic payments had been discontinued I was late on my payments, as a result of automatic payments having been discontinued Further, Mr. Cooper had removed the bank account I had had on file! I had previously made about half a dozen automatic withdrawals from my checking account. There was no way to make the payment without adding a new bank account. When I checked my alert settings, they do not opt users in to being notified about late or due payments. It seems very mischievous- discontinue the homeowner 's automatic payments, do not alert them about payments when they become late, and then make it difficult for them to pay later on.
Product: Payday loan, title loan, or personal loan

Affirm is a XXXX company, i have been making payment on loans for 3 years now and they have no real options to help out customer when they are on a financial hardship!
Product: Credit card

In 2009, I was working in the XXXX XXXX. I did not open an account with HSBC. However someone who had my information did secure an account. I have trying for years to get this blemish removed from my credit file. I demand that the credit card company provide legitimate proof of ownership. I never signed any application. 
Accounts were opened online in my name and I have tried repeatedly to clear the matter. HSBC has not been cooperative and has not provided any substantiation to keep this on my clean record.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My realtor has sent a good short offer to Selene Finance and can not get them to respond. The buyer needs a timely response. Selene agreed to allow me to short sale but does not respond to the offers. They are acting in bad faith and wasting all the parties time. I am considering suing them for bad faith. 

Furthermore, if they want to foreclose I am will to do a deed in lieu of foreclosure. But we currently have a XXXX offer from a prequalified buyer that they will not respond to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inaccuracies on my report. 

XXXX XXXX XXXX Account # - XXXX Date- - XX/XX/2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Bank account or service

On XXXX/XXXX/15, I opened a checking account ( {$150.00} cash ) with M & T Bank XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/15 a direct deposit of {$4500.00} went through as well. On XXXX/XXXX/15, I was reviewing my account online and it had a {$150.00} bonus for a new account with direct deposit added. I called customer service and they said that although my direct deposit was new and went through on XXXX/XXXX/15, that my account was opened on XXXX/XXXX/15 and not new. They told me to call the local branch. I called the local branch and spoke with the XXXX XXXX XXXX XXXX XXXX who said although the person who helped me open the account new about the upcoming promotion, she could not tell me. I asked if I could close my account. She said I could not get any money out of my account. I told her she was mistaken. I called customer service back and they told me that I had to call XXXX back and ask for her XXXX XXXX XXXX XXXX. I immediately called XXXX back and she did not even remember me. I said XXXX 4 times XXXX, please just have XXXX call me. XXXX kept asking why and was I mad with her. I asked again XXXX XXXX time ) please have XXXX call me. XXXX called me 2 days later and said she could not help me, but XXXX was incorrect about not being able to access money. She said she would have someone call me back. The next day, XXXX XXXX called me and he said he would waive a {$50.00} closeout fee. This upset me, for no one ever mentioned that. He was rude, I immediately e-mailed customer service and after another week, XXXX finally called. XXXX was rude and said she would do her best to waive the {$50.00} fee and that I was not entitled to the bonus. I asked her for XXXX and afer asking 3 times, she gave me a business address with their e-mail address. She was rude and of no help
Product: Debt collection

JH Portfolio Debt Equiti has placed an account on my credit reports dating XX/XX/2018. This debt has been previously disputed and deleted off my credit files. Now that it is tax time, it has magically appeared again. I have researched this company and there is NO valid license to this company nor bonded in the state of TN, which is an requirement to collect on a debt. Furthermore, they have not sent me anything in mail as the Fair Debt Collection Practices Act requires within the 5 day time frame notifying me that this account was placed on my credit reports. It has been 15 days since this account was placed on my credit files and nothing in mail. I would like this removed from my file once and for all especially since the 6 year time from of original default has expired, which is also another violation. I will contact the Attorney General as well Federal Trade Commission in regards to this unethical practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and exqufax have been reporting late payment on my report without consent for my privacy. 
( No law states that a transaction needs to be report ) Especially unknowingly. 
15 US code 1666b Timing of Payments
Product: Consumer Loan

Late XXXX I obtained an auto loan wit Credit Acceptance Corp . I am under the impression that the principal ammount of this loan was XXXX. I paid XXXX down, and made monthly payments of XXXX for 15 months. I later crashed this vehicle, and defaulted on the loan. The vehicle was returned in salvage condition. In XXXX a judgement was entered against me in the ammount of XXXX. My wages have since been garnished. I have paid an additional XXXX through income execution. In XXXX I attemted to get an update of the remaining balance, only to find that I owe in excess of XXXX. I spoke with the sherrifs office, because they have the order in XXXX XXXX NY. They tell me I have to deal with the lawyer. I call the lawyer I 'm told I need to speak with Credit Acceptance Corp . I call Credit Acceptance, I 'm told, " they have sold the debt ''. My issue is the constant running in circles while my wages are garnished, and the ammount I owe rises. How is this possible? This was a XXXX Doge Intrepid purched used with XXXX miles in XXXX XXXX. This vehicle brand new with XXXX miles only cost XXXX. How is it I still owe XXXX after having already paid XXXX? on an XXXX dollar loan? I feel this is Preditory, and Unconcionable. Please help. My wife and I are expecting our XXXX child and I am the only income for our household. I can not afford to pay continual garnishment, and I feel this debt has been paid. I understand that the principal ammount does not include interest however I feel I have been victim of Preditory lending. This judgement remains on my credit report despite the number of times I have desputed it. Please help
Product: Credit card or prepaid card

when i booked my XXXX XXXX ticket via XXXX website i was asked if i wanted {$200.00} off the ticket and XXXX extra miles when i charged {$2000.00} dollars on the new card. so I applied and was accepted. When i got my new statement on this new card that show the airline ticket purchased. I was told no {$200.00} credit of first XXXX XXXX ticket purchased and that i would not receive the XXXX bonus miles either. due to my having an existing XXXX XXXX  Citi bank issued credit card. I might point out that no place on XXXX XXXX website did it say for new card holders only. there refusal to grant the credit amounts to bait and switch and really is upsetting. Please order Citi Bank to live up to the offer they made made me on XXXX XXXX website. Had they not offered the {$200.00} on my first ticket with the new card i would have booked a much cheaper flight the the one i booked
Product: Debt collection

I have told them repeatedly on their web site that I am a XXXX veteran who owes no money to nobody and that they have a wrong number. I have reported them to the DO NOT CALL list. They continue to call day after day, interrupting everything I do. It is very stressful and I once got a call from them at XXXX XXXX on a Sunday. Innocent people should not be treated this way, and those responsible, had we a solid system of justice, should be in prison for a long stretch.
Product: Credit card

I bought some furniture from XXXX furniture and I was about to pay the whole balance upfront as I had the money at that time. 
But the sales person insisted to open the credit card with zero interest for 12 months. So I have applied for the credit card. He has mentioned that I have to pay interest if I will not pay off the balance in 12 months. He did not tell that if I do n't pay the balance on the whole amount of the furniture. 

So I paid off {$2400.00} in 12 months and remaining balance was {$1000.00}. Now they have charged me interest charges of almost {$900.00} saying that its accrue interest on the whole balance. According to the customer service, that is written in terms and condition that accrue interest will be charged.However, when we opened the account sales guy did not mention a word about the accrue interest.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and i notice i had fraudulent accounts on my report. 
please remove these accounts from my report, they are hurting my ability to obtain credit.