23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Client Services was trying to collect on this same debt, now Monarch Recovery Management Inc is trying to collect.

Neither provided no proof of the debt, but instead made a settlement options.

1 ) .Provide me with proof that you possess the legal right to collect on this debt by producing evidence, such as a transfer of the signed credit card agreement.

2 ) .Provide me with proof of chain of custody evidence signed agreement between your company and the original Creditor, such as a purchased agreement ; which must include the full purchased price your company paid to acquire this debt from original creditor.

3 ) .Proof that you are license to collect this debt in the state of Texas .

4 ) .Please provide a verified copy both front and back of the alleged debt contract/agreement/promissory note in its entirety with my signature on it, including any applications, accompanied by a commercial affidavit, sworn to be true, correct.

5 ) .Provide verification and documentation, if there is a charge-off of the alleged debt by the original creditor by providing a copy of the written agreement that created the requirement for your company to seek repayment of the debt claimed and what stipulates your terms to collect the alleged charge-off debt in its entire balance claimed owed by me to the original creditor.

6 ) .Please provide proof that the alleged debt has not been satisfied by any means available including the originator creditor receiving federal Tax write-off or credit for the entire debt used by them as a charge off.

7 ) .Please provide proof that you have not purchased the alleged debt.

8 ). Provide proof of all billing statements from the beginning and closing date of the alleged account.
Product: Mortgage

I am a good customer. No late payments, no issues. 
I called XX/XX/XXXX to pay my XX/XX/XXXX mortgage payment of {$1300.00}. I received no notice of an increase. It is a fixed mortgage. I've lived here for XXXX  years. Mortgage payments should be getting smaller, not larger. On XX/XX/XXXX, Select Portfolio Servicing informed me that my payment is now {$1500.00} - an increase of {$200.00} per month. 
I asked why, and after speaking with XXXX levels of support and spending the entire day trying to get to the bottom of this, a supervisor finally explained : XXXX. My taxes increased by {$180.00} for the year XXXX. My insurance increased by {$450.00} for the year ( which has since been corrected. I called my insurance company & that was a mistake. My insurance is actually lower than it was ) XXXX. That's a total of {$640.00} in increased escrow for the next XXXX  months. Last year, my escrow increased by {$420.00} & I paid it in a lump sum to avoid increasing my monthly mortgage payment. I told SPS I would do the same with the {$640.00}. 
XXXX. SPS said they were charging me {$640.00} PLUS and additional {$1100.00} for extra CUSHION, just in case!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX   CARD, XXXX/XXXX  and XXXX CARD
Product: Credit card or prepaid card

Target card services, XXXX Acct XXXX Target contacted XXXX XXXX on XX/XX/19, according to their letter to me, and canceled my subscription. Therefore, not only did Target   hit my card for {$39.00} without good reason, and they are forcing me to pay it, but THEY CANCELED THE XXXX PRODUCT THAT WAS PURCHASED! See attached letter from Target   dated XX/XX/19. That means they are controlling both the purchase and the cancellation without my knowledge and permission. Dont I get a say in anything? If I have to pay for it, shouldnt I be allowed to keep it? 

I have attached all correspondence, 8 pages, received from Target. 

Furthermore, I suspect an immature Target  employee attempted to fraudulently use two of my credit cards to make small online purchases. On XX/XX/19, XXXX XXXX  notified me of a suspected {$11.00} XXXX purchase ; that card number was replaced. On XX/XX/19, XXXX assisted me with an obvious bad purchase for {$42.00} at XXXX, an account with a XXXX balance ; that card number was replaced. Pure harassment! 

The following is a summary of what has happened : 1. My Target  credit card consistently carried a XXXX balance. 
2. I misplaced my card and Target issued a new number/card. It still had a XXXX balance. 
3. At some later point, without my knowledge and approval, no email-mail-phone warnings whatsoever, XXXX ( computer virus protection ) was allowed to sneak a {$39.00} charge onto my new Target card number. I knew nothing about it. The software was auto-installed on an old, dusty computer I rarely use. 
4. In XXXX, I attempted to make a small purchase from Target online shopping to my Target card ; it was declined. Thats when I called and found out about the {$39.00} charge plus the {$27.00} late fee that Target added because I didnt make a payment. How was I supposed to know a payment was due without any phone/mail/email notification? 
5. My phone number and address has been the same for 30 years. My email address has been the same for several years, possibly 5 years. 
6. I called Target and angrily terminated my credit card. 
7. I filed a dispute with Target and it was denied. Their letter told me they tried to reach me by phone and since I did not respond within their unreasonable time limit they denied the claim. Meanwhile, they managed to get correspondence to me by postal mail.
Product: Credit card

Made a purchase on XX/XX/2024 and didnt receive any of the items. I was issued ( XXXX ) XXXX target gift cards due to this purchase which I was told I would keep regardless. The full refund was given and in XXXX I began being charged for the allegedly free gift cards and one of the alleged fully refunded items. Bringing my account past due. Being out of country for 3 months, I was not aware of said charges because the card balance should have been XXXX after the full refund. I have been harmed not only with the past due and late fees but it has also been reported to credit agencies to which my credit has been impacted.target master card limit went from close to {$4000.00} down to {$200.00}. Instead of helping me, I was blamed it has been reported on my credit and I was told that I will need to wait up to 30 days for my resolution. Which further impacts my spending power. I have since been denied credit/ increases and the like.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX Account Dispute Letter : ** XXXX XXXX, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX to Complaint XXXX Submission of New Evidence for Affirm Account Dispute** Dear Experian, XXXX  XXXX I am writing in response to XXXX XXXX XXXX to provide new evidence concerning the fraudulent XXXX XXXX  account ( Account Number : XXXX ), which has been falsely attributed to me. 

I have obtained an official XXXX Police Department Identity Theft Report** ( Report Number : XXXX ), filed by XXXX XXXX XXXX** ( Badge Number XXXX XXXX ). Under the **Fair Credit Reporting Act ( FCRA ) Section 605B**, when presented with an identity theft report, you are legally required to block the reporting of any fraudulent information. 

As this XXXX account was fraudulently opened, I am formally requesting that you **immediately block** and remove this account from my credit report. Your continued reporting of this inaccurate information is a violation of federal law, and I expect prompt resolution. 

Please provide written confirmation that this account has been removed and will no longer appear on my credit file. 

Thank you for your immediate attention to this matter. I look forward to your swift response and compliance. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX -- -
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX Balance : {$0.00}.
Product: Credit card

I received the citi credit card which was never applied by me. The card was already charged over {$6000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested Experian to investigate the XXXX XXXX XXXX account ( account number:XXXXXXXXXXXXXXX ). It is reporting an inaccurate late payment on XX/XX/XXXX. I received results from Experian saying the account was reporting accurate. According to the results I received from Experian, the account was last updated XX/XX/XXXX. This means Experian has never conducted an investigation for this account. 
This is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested my lexis nexis report online and I called for confirmation and I still have not received it. I am demanding it immediately. My address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX
Product: Credit card or prepaid card

A Barclays Card issued by XXXX XXXX to my late wife showed an XXXX charge from XXXX XXXX in XXXX XXXX, TX. 
I notified Barclays Bank of the following problems with that charge : 1. Neither my wife nor I have been in Texas for at least four years 2. I canceled said card as my wife 's PoA Agent by certified/return U.S. Postal Service letter dated XXXX XXXX, 2018. 
3. As part of said cancellation, I reported that I had physically destroyed all of her credit cards, including the one used in XXXX XXXX. 
4. Barclays acknowledged said cancellation by letter dated XXXX XXXX, 2018. 
5. I froze my wife 's credit-rating accounts with XXXX, XXXX, XXXX   and XXXX in XX/XX/2018 and they remain frozen to this date. 
6. My wife died on XXXX XXXX, 2018. 
Nevertheless, I received a second billing dated XX/XX/XXXX for the spurious charge. 
I have received no acknowledgement from Barclays Bank to either my report of fraud or my request for corrective action. 
The account and card remain active and open for further abuse as far as I can tell.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue ONLY exists on my Experian report for whatever reason and none of the other agencies. I have repeatedly tried to rectify this matter in the past to no avail. My last name is XXXX and often times I get called or am corrected of my own name by many as XXXX which is NOT my name. I have no clue what this debt is for and Experian refuses to remove it from my report. I am a XXXX minority and am trying my best to establish credit and they are preventing me from doing so by putting a false negative mark on my report. I ask that you please help me rectify this matter in hopes of myself trying to correct my report as to what it should accurately show as no bad marks should exist. On another agency 's report it even has me currently working at XXXX 's and I have never worked at XXXX 's. It's been difficult enough as it is with my XXXX but with these inaccuracies on my reports it has made life extremely difficult and would hope to see this matter resolved asap. I appreciate your time and look forward to your reply.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received an alert a few months ago on my credit that the credit card was settled when I never agreed to have it settled. And I called back and they reopened the account. It took months for XXXXXXXX XXXX XXXX to remove the settled card on my credit report and just report the open one. 
I have just received a 1099C for 2021 on the credit card. I paid the credit card in full in XXXX of 2021. There is no further balances on the account. Yet I am being given a 1099C saying they discharged debt that I have paid in full and that they incorrectly marked as settled. They have transferred me around and around. And told me they cant do anything for me anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were charged off in XXXX of 2021 in the amount of {$1700.00} and {$7200.00} XXXX credited my account as if I made a payment, which I never did after the account was closed. This led to the reopening the account and giving late payment as if the account is still active. I have XXXX accounts with this XXXX, and this was done on both accounts. Every month I get alerts saying I missed a payment on a closed account. The following laws were violated. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This has greatly caused financial problems for me and my family. I am requesting to have these negative items removed from my credit report, because their action is in violation of the law.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 reporting, credit repair services, or other personal consumer reports

XXXX WAS PAID IN FULL
Product: Checking or savings account

On XX/XX/2022, I deposited a check into my USAA Savings account for {$11000.00}. Based on the fact that the funds reflected as collected on the 6th, I did a wire transfer for {$9200.00}. On the morning of the 7th, I called the bank to verify the funds had cleared into my account. The associate at the bank told me that " it was good '', I repeated " has the check cleared? '' and got a " yes it's good ''. Based on verification by the Bank, I was assured the balance in my account was good, as the funds covered the wire and showed a positive balance. If the money hadn't cleared, I wouldn't have been able to make the wire transfer. On Sunday the 9th I noticed a negative balance in my account, but the account also still showed {$7000.00} in it which was very confusing to me. I called the bank about this and the associate assured me that everything was fine and the check was good. The next morning there was a recall of the check and my account was - {$3700.00}. I reported the fraud to my bank, they attempted to recall the wired funds. The bank then froze my accounts and locked me out of them without telling me. When I tried looking into the case the bank told me it is their policy to clear funds at face value without collecting on the funds, therefore it is my fault for overdrawing the account. I did everything I could do to ensure the process was managed correctly, including calling the bank to verify the funds. They assured me the funds were good on multiple occasions. There was nothing else I could do to protect myself and my hard-earned money. I relied on my bank and they are now saying it is my problem.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX/XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX  Account # XXXX  XXXX Account Name : XXXX - XXXX XXXX Account # XXXX  XXXX Account Name : XXXX, XXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : 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 an account without my written instructions.
Product: Vehicle loan or lease

I have tried repeatedly asking RRD Financial LLC to prove I owe any debt and they have continued to violate my rights by not providing me with the proper info according to the Fair Debt Collection Practices Act section 1692g. They state they are going to charge me to send any documents which is another violation. Furthermore, they have now stolen my vehicle and it has been documented that they are in possession of stolen property as they never had my permission to steal my vehicle. They have also stolen my personal property and money inside my vehicle. They tried to coerce payment and extort me by advising they will give my info to the consumer reporting agencies. I told them I do not consent to sharing any of my personal info with anyone and to remove any reporting as I am disputing anything they state I owe. I requested info regarding where I have given them permission to give my personal info to anyone. They have not provided it and now violating my right to privacy. I requested they cease sharing my info with anyone as that is violating my right to privacy. This has me great injury and identity theft.
Product: Credit reporting or other personal consumer reports

This bank needs to be reported to FTC for their unlawful practices. Both credit card accounts were both charged off and written off in 2019. I have never signed or agreed to any payment plans. They have unlawfully extended the statute of limitations by another 7 years violating FCRA. How is this even possible? It is blatant retaliation by reporting their IRS fraud of not sending me 1099C and not declaring funds they seized from my account, including my mortgage payments. The accounts were already charged off and written off in 2019. It is NOT possible for them to claim late payments and a new charge off on accounts they already charged off. This is FRAUD they must be reported immediately to FTC and NCUA
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Requested for the following : Claims # XXXX Claims # XXXX Claims # XXXX I have not yet to receive any updates or provided any redress within regards to Consent Order XXXX. If this complaint will end up with every other complaints filed that Bank Of America NA ignores and repeatedly violates the law gets to walk away with it. What other means are there for consumer if CFPB fails. Bank Of America NA did not resolve anything. BOA responds with the same auto response refuse to give provisionary credit and mishandles claims and not compliant with the Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is XXXX duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Transunion is reporting an inaccurate late payment for the XXXX Bank account ending in XXXX. This is a XXXX late payment posted on XX/XX/2019. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in Transunion violating my federally protected consumer rights.

Additionally, I did not give Transunion written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

ACCOUNT IS SHOWING ON MY XXXX  REPORT. THIS IS FRAUD AND WAS A RESULT OF IDENTITY THEFT WHICH I HAVE SUBMITTED POLICE REPORTS TO XXXX. THIS ACCOUNT IS NOT MINE. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.