23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by a company by the name of XXXX XXXX XXXX, a 3rd party debt collector. I was informed I had a debt from XXXX or XXXX ( was given both years during numerous conversations with these people. I offered to pay the debt on the XXXX of XXXX, then decided to pay off the entire debt of {$170.00} *unsure of the exact amount* and was transferred to someone else to give them my debit card number. I asked for them to send me an email or correspondence to verify they were a legitimate company several times and time they refused. I tried calling back several times but they ( XXXX ) would either hang up on me or some other male I was talking to threatened to let the creditor know I refused to pay the debt. I called the creditor ( Cash Central ) who was equally rude, and they refused to give me any information to validate who these people were that were trying to get my debit card information. Everyone I spoke with at XXXX XXXX XXXX had an accent so I was extremely hesitant to provide them with any of my financial information. They also stated they tried sending me correspondence about the debt for a year and a half now but they couldn't tell me what my apartment number was. I did not receive any correspondence whatsoever from this 3rd party collector at any point in time. I want to be clear, I am willing to pay this debt once it has been verified and that XXXX XXXX XXXX is a legitimate business and not some overseas scam organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit reports, XXXX is reporting the following negative information to all major credit bureaus : 1 ) Late Payment - XX/XX/XXXX 2 ) Late Payment - XX/XX/XXXX I have never been late on payments. With regards to the supposed late payment for XX/XX/XXXX, on XX/XX/XXXX a representative of XXXX stated that the late payment record ( XX/XX/XXXX ) will be removed from all credit bureaus and any fees associated with the late payment record will be refunded/credited as the payment was never late. 
With regards to the supposed late payment for XX/XX/XXXX, that payment was never late. The late payment record was caused due to XXXX fault because of the following : For the month of XX/XX/XXXX, I mistakenly initiated a double payment. I made the mistake of making a payment twice. Because of this I contacted my bank to make a stop payment request for one of the duplicate payments. After that I contacted XXXX to notify them of the double payment and to inform them that I contacted my bank to stop the duplicate payment. XXXX assured me that this wouldnt be an issue and that they will take care of it on their end to make sure that I dont incur a returned payment fee. Well it turns out that XXXX refunded me for the payment that was not going to be returned by my bank ( the duplicate payment was stopped by my bank ) without my authorization. Because of this, not only did I incur a returned payment fee by XXXX, I also incurred a late payment fee by XXXX because XXXX refunded one of the duplicate payments without my authorization. I believe XXXX did this on purpose in order to charge me 2 fees ( returned payment fee and late payment fee ). As soon as I learned that XXXX refunded 1 of my payments without authorization, I made a payment to my account since it was considered past due because of XXXX unauthorized refund of one of my payments. 
I DID NOT REQUEST XXXX REFUND ME FOR ONE OF THE DUPLICATE PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize, and I do not acknowledge that inquiry
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax leak, all credit bureau 's should make all aspects of freezing consumer credit, free of charge. Freezing, temporary lifts, and removals, should all be free.
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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.
Product: Credit card or prepaid card

I am an authorized user and pay the Chase card in question. However, since I am just a subhuman non white curry XXXX To Chase, I am illegally denied my rewards points or even the ability to redeem them. They then accused me by the fraud department of not being on the account, even though I am and have been for years. I now know how XXXX XXXX felt when he falsely accused and then killed by the white police. To be falsely accused as a person of XXXX when my XXXX family did nothing wrong or ever changed the authorized users is scary, and puts me in fear of my life. Chase needs to cover up misconduct by its white employees, who always get away with operational errors in white supremacist XXXX XXXX world while XXXX employees get the boot for daring to speak on operational errors at JPMorganChase.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 CXXXX
Product: Credit reporting or other personal consumer reports

A fair resolution would be for XXXX XXXX XXXX to correct or remove their report on my credit score! XXXX XXXX  account was paid in full. I have documented that with the receipt paid to resurgent. And when do you call them? They should not deceive you into paying a dollar to To correct their error and then sign you up for a Credit Repair service or credit score service that you did never agreed to I have included in my documents uploaded proof they were trying to sign me up for {$24.00} charge. I never agreed to. 

Regarding Arbor Professional services, I paid the amount due. And requested an email of account paid in full they refused. I paid the account in full yesterday and they have not updated my account online. It still shows {$620.00} due. I am giving it 48 hours to show correct amount of XXXX. 

I have called them multiple times requesting an email copy of Account paid in full, my credit repair person says that the receipts of payment are not enough confirmation to have that removed from my credit score. It is a simple request. It is an accurate request to have an emailed, confirmation of paid in full and for their website when I login to reflect that it was paid in full.
Product: Debt collection

I recently received a letter from Rossi Law Offices , LTD from XXXX RI dated XX/XX/XXXX. The letter stated that I owed a debt of {$830.00} for a XXXX XXXX XXXX XXXX on my vehicle from XX/XX/XXXX. I have never received correspondence regarding this excise tax in the past and the car they are referencing was sold in early XX/XX/XXXX in the state of Florida under the dealership XXXX XXXX XXXX. I did have forwarding mail and never received any notification of this. The letter stated I had 30 days to respond to the correspondence to inquire more information. As I returned to my home today I received a 2nd correspondence letter date XX/XX/XXXX ( dated incorrectly or fraudulently ) stating that I have not yet responded to the letter from XX/XX/XXXX for the amount of {$830.00} ( different from the original amount stated ).  The letter claimed " we do not understand why you would not want to pay this account. '' This is clearly not a reputable law office, as dates and claimed amounts due have no proof of information provided by the town of XXXX XXXX or the State of Rhode Island, and additionally the language provided in the letter. The dates of the letters versus the verbiage and time of receipt clearly show that this is incorrect information. Should I have had an excise tax back in XXXX in regards to my vehicle I would have been glad to have rendered payment as it would have NOT been over {$800.00}. I have not yet contacted them as I would like to deal straight with the State of Rhode Island instead.
Product: Student loan

I received a letter from the Federal Student Aid/Department of Education XXXX XX/XX/XXXX stating my loans are eligible for discharge under the Public Student Loan Forgiveness program . The letter said my servicer, Mohela, would handle the discharge in XXXX business days. Despite multiple phone calls and emails- often from XXXX locations with the military - I still have a balance with Mohela. Their service representatives have acknowledged that they received the discharge letter from Dept of ED but that my account has technical issues and that I might need to enter repayment while they figure out what is wrong. Ill begin making payments, according to Mohela, in XX/XX/XXXX, despite being told by Financial Aid that I dont need to make any more payments. Mohela warned me that my credit would be affected if I didnt make the payments. Im at a loss for what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I had my identity compromised and stolen in which a fraudulent auto loan at Navy Federal was opened in my name which led to an outstanding balance of {XXXX}. Please see the attached documentation as they were failed to notice or meet any of these demands. I have submitted a police report to all bureaus and XXXX fails to meet the demands of me and the police department as this fraudulent auto loan is not mine and I did not apply for no auto loan. Also, I did not or Never even came across this car or seen this car as it immediately went into a charge off and my credit is very important to me I wouldn't do something like this at all. I want this issue fixed or I will pursue legal counsel as an account that is fraudulently opened in my name is being held against me by this bureau, XXXX.
Product: Debt collection

Letter dated XX/XX/2019 trying to collect a debt thatis 10 to 11 years old.  Convergence   is a third party collection company representing XXXX XXXX XXXX XXXX that is trying to collect a debt from original creditor XXXX. This debt has been sold, transferred or given to several different collection companies. I'm sick and tired of these aggresive people.
Product: Mortgage

Paid off a loan back in XXXX 2015 and the bank did not release the lien on the property. Now I 'm trying to obtain a new loan and I ca n't get anyone at BB & T to help.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Unauthorized transactions on my cash app card. I had two weeks wages taken from my card around {$400.00}. At least 13 transactions came from a XXXX  in New York. In all I had 16 unauthorized transactions that drained my card. The dates that this happened ranged from XX/XX/2021 to XX/XX/2021. First I called the merchants. They said I need to call Cash app. I called Cash app reported all the unauthorized transactions and they said sure you might get your money back in 45 days. I also filed a police report with my local sheriff 's office they said because these transactions were in New York they couldn't do anything about it.
Product: Checking or savings account

I had my account compromised and for a security measure chime financial institution locked my account for my safety which I appreciated at first. They asked me to send them documents to verify who I was such as my social security number and I.d, I sent these documents countless of times then they asked me for bank statements for a debit card I dont own or have no knowledge about and Ive informed them that I had no idea about any other bank card but theres. I keep getting the same computer automated email and at this point I want my XXXX dollars thats in my account given back to me and would no longer want to bank with chime. Im a XXXX XXXX XXXX XXXXXXXX member and this is just not right
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 1 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX  : ( XXXX ) Please investigate 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, XXXX XXXX! Update the account to Paid on time and never late on XXXX XXXX
Product: Credit card

I contacted Chase, the bank for Amazon credit cards on XX/XX/year>XXXX  requesting the {$46.00} assessed on XX/XX/year>XXXX  waived. I paid over {$3000.00} on XX/XX/year>. I can not believe such a large bank can not waive such a small amount of money. I've had my credit card with Chase for 5 years. And I have never been late and have always paid on time. I spend a lot of money. I hope Amazon get a contract with a different bank. I am not asking for much. I am not a customer that is past due, I never ask for extensions, I have paid a lot of money in interest and am just asking to get this one waived.
Product: Mortgage

My mortgage company is charging me {$770.00} for my annual homeowners insurance for escrow purposes when the actual cost is {$720.00} per year. I confirmed the cost with XXXX XXXX and they called Midland Mortgage to provide this info. I asked Midland to change the amount and readjust my payment. My escrow shortage for this year was {$65.00} plus odd cents. I paid {$150.00} but they are still charging me extra for non payment of the shortage. I requested a response to these inquiries in writing but have received no response to date.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, On XX/XX/2021 i mailed a letter to the XXXX credit bureaus ( XXXX, XXXX, Equifax ) as well as to XXXX XXXX and XXXX XXXX XXXX XXXX disputing collection accounts that were a result of identity theft. I provided a copy of the police report that i filed regarding this matter and the accounts in question have not been removed from my credit report. Please look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX from Toyota Motor Credit Corp on XX/XX/XXXX and completed the payments and returned the car on XX/XX/XXXX. All payments were made on time. However, my latest credit report dated last week is now reporting that there were late payments made. I called Toyota Motor Credit and they confirmed that all payments were made on time. XXXX is the specific credit bureau that I am having problems with. I did not get a copy of Toyota 's testimony in writing, but I can get that if needed. Otherwise, their phone number is XXXX and they are located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX, according to my XXXX  account. I haven't owned this car in years, and have no idea why this would be coming up on my credit report now ... or ever. My credit score dropped over 100 points as a result of this matter and I would like it resolved immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCES, COERCION OR FORCE FROM ANT THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries on consumer report as well as collections holding me back from my future
Product: Credit card

Not interested to pay the annual fee since card is not using and not delivered and wit out information all these are done. not interested to pay the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, .The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XX/XX/ but I haven't got any response from you and according to the FCRA you are required to response within 30 days