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

My problem is with both TD Bank/Target Red Card Services and XXXX, Target had a charged off credit card account that I paid {$2700.00} on to settle before Covid hit in XX/XX/XXXX. They had already written this account off for {$15000.00} when they added a bunch of fees and interest. Non the less I paid it as requested, I had two payments of {$680.00} to pay when XXXX got me XXXX  and almost XXXX me. When I got back on my feet and was able to actually pay down the charged off account to a {$0.00} balance/full settlement I had to start over with {$4000.00}, which I paid XXXX and finally the last {$1000.00} on XX/XX/XXXX. They sent me a paid off letter, same one they sent XXXX, which obviously interprets things differently because they left my balance as a {$12000.00} balance, which it isn't. My balance is {$0.00} and this account is settled in full. It should of been taken completely off my credit file as a negative item. This am I get an email showing my dispute to XXXX XXXX is wrong, still showing this as a negative item, even though it is supposed to be a {$0.00} balance. It never had a {$12000.00} balance, because I paid {$1000.00} on XX/XX/XXXX, then {$2000.00} on XX/XX/XXXX, then another {$1000.00} on XX/XX/XXXX where it was settled per Target Red Cards agreement, The numbers that were written off shouldn't be showing as a balance still, but it does on XXXX so I disputed it again with the {$0.00} balance letter I received from Target on XX/XX/XXXX. 

So this afternoon i got an email alert from XXXX ( a service i pay for ) saying XXXX posted the wrong information to my account, like its a " bad '' thing I paid off a charged off account, which is wrong! It violates the letter of the law of the FCRA of XXXX with accuracy mistakes and fairness. Some " XXXX ' from a third world country, who was laughing at me, while going through the verification process again. This time I got heated because they were just playing games with me, a clear violation of Fair Reporting of information on my file. I'm writing in because I have spent 6 months working on my credit files with the three major reporting agencies, fix one item, another error such as this comes from a positive? How is that. Because XXXX, nor any of the Creditors is held to Fair or Accurate Reporting of my information on my file on line. I have proof I settled this to {$0.00}, TD Bank/Target Red Card Services Representatives sent me a " Congratulations Your Red card Balance now has a zero balance '' letter, but XXXX XXXX  it up and turned a positive situation into a negative. I want this NEGATIVE INFORMATION removed immediately because it's not factual and it's vindictive. The next complaint i make will be with XXXX XXXX, State Attorney in Florida, where i live and where this business was conducted with these creditors/credit reporting agencies, etc. I will seek damages.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> via certified mail, I sent XXXX XXXX a request for information to help me identify the unfamilar account because they are attempting to collect a debt through National Credit Adjusters, which is refledted on my credit report. I requested that XXXX XXXX send me a list of how the amount is calculated, along with a signed and dated contract that states I agreed to pay amount calculated. I also sent XXXX and XXXX credit bureaus requesting verification of National Credit Adjust item on my credit profile being reported inaccurate and inconsistent. I have not received any response. 

As of today, XX/XX/year> I have not received any response from either. XXXX XXXX has not responded either and it has been over XXXX days. Unverified/Inaccurate information is a violation of Section 623 ( a ) ( 8 ) and Section 623 ( e ) of the FCRA. Also, this request in noncompliant because under State and Federal Statutes a response should have been received within XXXX  days or item should be deleted from my credit file. If this item is not removed from my file immediately, I reserve the right to file charges and take legal action to recover damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information on my credit report and it has had adverse affect on my credit score. I reviewed my latest credit report from all three bureaus and asked all three bureaus to ensure all information was accurate and completed according to the fair reporting act. According to law, 15 U.S. Code 6802 states Obligations with respect to disclosures of personal information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given any information regarding this nondisclosure option from XXXX Acct # XXXX, reporting late payments from XX/XX/XXXX thru XX/XX/XXXX, therefore this is a direct violation of this law and my consumer rights.
Product: Mortgage

Our mortgage was transferred to 21st Mortgage in XX/XX/XXXX, at which time, we had been working with XXXX for modification. Despite having TPP, was unable to reach anyone until I learned we were actually transferred to 21st. IT was months before they had our account information, and by that time, 21st Mortgage made us reapply. Unfortunately, they have kept us in dual tracking limbo since XX/XX/XXXX, when loan was with XXXX. It was transferred multiple times with multiple assignments filed ; however, 21st Mortgage acquired loan from XXXX. Hence, it was eligible for HAMP modification. They repeatedly wrongly denied and took advantage of us at every turn. As a result, we have not been able to submit any payment, nor come to any kind of fair & reasonable modification, despite the loan being eligible and part of past XXXX settlement and foreclosure review.
Product: Credit reporting or other personal consumer reports

I would like to let you know that these accounts below have long been removed from the XXXX Credit report. These items were found to be placed incorrectly on my files by other credit consulting department and I needed immediate action of REMOVALS for all of them. 

XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX am fully aware that all credit consulting bureaus reports and gathers information to a specific creditor or furnishers of information per account. It just doesnt make sense to me why your department still furnishes these items that should already have been removed from my record. If communications were delivered accordingly, shouldnt they also be aware that these entries should have been long gone from my record, since XXXX no longer has it?
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. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit card or prepaid card

I discovered on XX/XX/2021 that I could not log into my online Chase business account ; there was a message that my account was locked due to unusual activity. When I called, I learned my Chase Ink Cash card had been closed. I had received no notice they were going to close it. I had over XXXX Ultimate Rewards points, of a cash value of {$1400.00}, in my account, and I was not given notice or an opportunity to redeem these points before closure. The people I talked to on the phone said they could not give me any information about why or when my account was closed. They provided an address. I wrote a letter to Chase Card Services requesting that they reopen my account or allow me to redeem my points, but received no response. My complaint is with the failure to give notice, failure to give an opportunity to redeem my points, and failure to provide an explanation for the closure.
Product: Debt collection

In the process of refinancing my home and title company receives a demand for payment from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX for a debt that was discharged in a Chap. XXXX filing on XX/XX/2011. I contacted them in reference to this notice and explain that this debt was discharged in bankruptcy and was advised that chapter XXXX   only discharged my personal liability and not the lien that they referenced in the letter. I advised " XXXX '' that I didn't own the home during that time and they couldn't attach asset obtained after Chap XXXX and I would check with an attorney. I then ask him about the amount owed and he stated it was due to the interest that had accumulated over the years. I advised him I would need to speak to an attorney and wanted info on the original amount shown in his system before interest charged. He stated couldn't give me any more info because I stated I would speak to a lawyer and hung up. Call back and got the same rep who hung up as soon as I started talking. 
The letter they sent to title company provided a case number for judgement lien, which I checked with the court CMS system and its for a case where the " lien '' garnishment was released after Chapter XXXX  was filed. They misrepresented information sent to XXXX XXXX.!
Product: Credit card or prepaid card

I have asked Chase XXXX over and over again why a refund to my XXXX card on XX/XX/XXXX hasn't occurred. They tell me it takes XXXX business days. Why? This was electronically refunded. Where does it go? I have asked XXXX representatives and they just repeat over and over again " that's the process '' with no ability to articulate what exactly this process is. My balance is over XXXX and I'm waiting for this money while Chase holds it tax free. What's going on here? Why can't they tell me why?
Product: Checking or savings account

I received a call from Chase Bank stating they were closing my accounts. When I asked for a reason why, they declined to provide one.
Product: Checking or savings account

XX/XX/21 I was trying to withdraw money from my account when the funds were frozen and unable to use. Then I received a email from Wells Fargo that my XXXX was deactivated without my permission and also my unemployment was re routed to a pre pay card My retirement was taken from my account without my permission
Product: Debt collection

I c system reported to the credit reporting agency that I owed the $ XXXXI have never been contacted about this debt from them. I was contacted by XXXX XXXX XXXX who also reported this debt for exact same amount and account number.dropping my credit score and no one wont remove one of them.my understanding is they cant place the same account with two different debt collectors and the second, IC system has never contacted me in regards to this.please have them delete one or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted regarding this debt in XXXX of XXXX, the debt collector spoke with my wife, however I was present. We were informed they received this account in XXXX of XXXX and that it had not been reported on my credit report as of yet. We explained this was incurred due to XXXX our new phone company not paying off our account as we were told they would. It was still suggested we pay on the debt in the meantime to avoid it affecting my credit. We were told since we were making arrangements early on it would keep this off of my credit report. We scheduled the first payment for the end of XXXX XXXX, XXXX/XXXX/XXXX as it was stated something would be needed in the month of XXXX to secure the agreement. The first XXXX payment was for XXXX/XXXX/XXXX for {$75.00} and has been paid every two weeks for {$75.00} by automatic withdrawal. So XXXX/XXXX/XXXX, XXXX and XXXX/XXXX/XXXX all for {$75.00}. Now imagine my surprise when I pulled my credit report on XXXX/XXXX/XXXX and not only seen this account on my report when I was told it would n't be, but also it is reporting late when I have made all scheduled payments as agreed! My wife called in my presence on or around XXXX/XXXX/XXXX and received very rude service. She spoke with two people who both stated that payments had been received and on time, but since they are collecting for XXXX and the XXXX account is not in good standing since it was sent to collections this is why the account has a negative standing. They stated they are reporting the payments, but have no idea how the credit bureau puts out info. My wife said the CB can only report what you tell them, but they insisted it was not their issue to correct and we should call the credit bureau. Of course I understand I am not in good standing with XXXX, but convergent should be reporting the on time payments to convergent that are being made. It is clear to anyone a collection account is a negative thing, but you dont get to report on time payments as late to punish a consumer. Included are bank statements for the dates listed above. Please note the payments listed under XXXX, which also has their phone number listed. Also I have attached email statement notices from Convergent. I can not go all the way back to XXXX as their links expire in 90 days. Also a copy of this item on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have hard inquires that are reflected on my credit report that I do not recognize. As a result of the numerous unauthorized inquiries, I will be locking my credit report and enabling life lock to protect me moving forward. Please see the following inquires below : XXXX XXXX/XXXX XX/XX/XXXX - company unresponsive XXXX XXXX/XXXX XX/XX/XXXX - company unresponsive XXXX XXXX XX/XX/XXXX - did not authorize as I am a renter XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX - Inquiry unauthorized - contacted company XXXX/XXXX XXXX XX/XX/XXXX - did not apply for home loan XXXX XXXX XX/XX/XXXX - did not authorize no account linked to my credit XXXX  XXXX XX/XX/XXXX - did not apply for a home loan XXXX XXXX XXXX  XX/XX/XXXX - Did not authorize, did not apply for an installment loan - company very unresponsive XXXX XXXX XX/XX/XXXX - Did not authorize - contacted XXXX explained it's over the 2 year mark please remove. 
XXXX  - Contact information does not reflect on my credit report to dispute with the company, but have attempted to contact them via the internet. 
XXXX XXXX XX/XX/XXXX - did not authorize have reached out to the company failed attempt will contact once more XXXX XXXX   XX/XX/XXXX - did not authorize XXXX XX/XX/XXXX - never heard of the company - did not authorize
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a 100 % XXXX veteran. I am exempt from property taxes in the state of florida. I supplied that information to the servicing company. The XXXX XXXX XXXX XXXX XXXX XXXX supplied that information. The mortgage company will not stop collecting taxes and in fact have increased my payments for escrow starting in XXXX of 2021. After repeated attempts to get this fixed with them, they refuse to correct their error. They keep telling me that they are going to fix it but they never do. They are essentially stealing money from me and holding onto it.
Product: Debt collection

On XX/XX/XXXX I received a mailer from local attorney 's advising me that a suit had been filed against me in XXXX XXXX County by XXXX XXXX. After searching the county database I found the court record that on XX/XX/XXXX RAS LaVrar Law Firm had filed suit on behalf of XXXX XXXX  ( complaint not available for view ). 

I have not received proper notice prior to the suit to request a validation of the debt. I believe the suit is meant to be an INTIMIDATION tactic and is an EXAMPLE of a PATTERN of ABUSE of the legal system practiced by this collection agency. I am unaware of any debt owed to XXXX XXXX  - I am unaware of any certified correspondence sent to my home or business validating the debt. 

CASE NUMBER : XXXX CASE STYLE : XXXX XXXX  XXXX, XXXX. XXXX XXXX, XXXX After speaking with on XX/XX/XXXX they stated that they did not show a lawsuit in their system. They claim a validation letter had been sent about the debt. 

This pattern of abuse of the legal system should be considered a violation of the FDCPA Sec. 808 ( unfair practices ). This firm has a long history of misrepresenting balances, validation and filed complaints by consumers. 

This agency needs to be sanctioned and fined if NOT sued by a class action.
Product: Vehicle loan or lease

someone I had known opened a loan in my name .. ive been contacting XXXX XXXX also known as east coast funding along with XXXX , for years about this account .. they had first put it on as east coast funding and removal date was XX/XX/XXXX then they changed their name to XXXX XXXX XXXX removed as east coast funding judgement then they changed there name at some put and changed the removal date to XX/XX/XXXX which I believe is fraud ... they then gave to another company XXXXXXXX XXXX XXXX.. which I went to court on XX/XX/XXXX and XXXX XXXXt judge vacated order and, judgement XXXX will not honor neither would XXXX XXXX ( rep XXXX ) .. I have been disputing this item for years along with notarized letter from the account holder.. please help me get rid of this account that is not mine I have good credit and its holding my credit back from being great .. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY RECEIVED NUMEROUS PHONE CALLS FROM COLLECTIONS AGENCIES ABOUT ACCOUNTS I HAVE NO IDEA ABOUT. I EXPLAINED TO THE INDIVIDUALS I SPOKE THAT THESE ACCOUNTS DID NOT BELONG TO ME AS I HAVE NEVER RECEIVED OR SEEKED ANY FORM OF SERVICES FROM THE COMPANIES THEY'RE TALKING ABOUT. I WAS ADVISED TO FILE AN IDENTITY THEFT REPORT WITH MY POLICE DEPARTMENT. I DOWNLOADED A COPY OF MY CREDIT REPORT FROM XXXX AND FILED A POLICE REPORT WITH THE XXXX XXXX POLICE DEPARTMENT. I WAS ADVISED TO ALSO FILE AN FTC REPORT AND TO CONTACT THE CREDIT BUREAUS AND INFORM THEM THAT I AM A VICTIM OF IDENTITY THEFT. I AM VERY CAREFUL WITH MY INFORMATION AND I AM VERY SHOCKED SOMEONE COULD DO THIS TO ME. I HAVE NO IDEA WHO USED MY PERSONAL INFORMATION AND I HAVE NEVER AUTHORIZED ANYONE TO USE MY PERSONAL INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND I AM TRYING TO RESTORE MY IDENTITY AND PREVENT THIS FROM EVER HAPPENING AGAIN. 

Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX XX/XX/XXXX APPROVED XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX   XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX / XXXX XXXX  XXXX XX/XX/XXXX XXXX. SYSTEM, XXXX / XXXX XXXX XXXX OKLAHOMA XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX # AXXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX
Product: Bank account or service

My bank has been been returning items and multi processing the same payment so they can charge me more and more fees. The company I get paid through demanded the money back they put in the account and bank will not return it. They have run items through more than XXXX time for the purpose of charging me more fees including over XXXX on an item that was XXXX and charged me fees when the item did n't leave me overdrawn.
Product: Debt collection

There is a account from XXXX in which I was charged for not returning equipment. I however filled a complaint with the FCC and have since been in contact with XXXX office of the president. They have credited my account to a zero balance and sent me a letter stating that this account will be removed from my credit report because it was giving to Sequium asset solutions for an account that was misreporting. I have contacted Sequium and I am told that the account will only be updated to show paid in full. I have emailed them the form from XXXX  and I am told that they can not verify me I then responded back to the email with my address and phone number and never got a reply back. I also called many times to speak with a supervisor and I finally got one and she took some information and told me she would call be back in ten minutes and never did. I then called back the next day and was told that Sequium does not do pay for deletion and that I could not speak with the supervisor and to call back later.