23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I received a inquiry on my credit report from XXXXAlthough it was removed I later received a letter saying the inquiry on my credit report was accurate.The name, email address, address, phone number and social were all different from mine.The name is different but only by XXXX letter from my previous last name that I no longer use.The email is different by XXXX letters but I am receiving statements for a credit card I don't have.
Product: Credit reporting or other personal consumer reports

I been telling XXXX that I never received anything and that the logins from a different place was not me
Product: Payday loan

I received a call in XXXX wanting to verify my information for a loan that was attempted or done using my personal information. I said I did not apply for a loan and not to approve it. I filed a report with the local police department, contacted the credit agencies, sent a letter to the company via USPS and then again via XXXX and have not received any response to my letters.
Product: Credit card

Chase Cards is extremely vexxing. I have a 5+ year old card with them with a healthy limit.

However I haven't use it for nearly an year & didn't plan to use it either. As a result I locked the card. Despite the card being locked Chase let ~ $ XXXX in transactions happen on the card for services I no longer use and intend to use. I in fact got the entire card changed and reissued with a new card number exactly for this reason. 
Then they merrily went ahead and tacked more fees and interest on this. 

I can't get Chase to help and this card is close to delinquent.
Product: Mortgage

I received the following recorded message on XX/XX/XXXX and XX/XX/XXXX via a robocall. Both times it was the exact same message and it was a recording. There was no human being involved and there was no way to talk to a person. The first time the message was left as a voice mail and the second time I answered the phone. 

" This is a reminder from XXXX XXXX at Flagstar Bank. Please check your account status online to make sure you have the most up to date information regarding your account. You can also use online services or our automated phone system for self service options and use of access. Thanks for being a Flagstar customer and have a nice day. '' My account is paid in full. I have never missed a payment since I bought this house in XXXX and I have paid extra towards my principal almost every single month. Despite that I have had to file complaints in the past against Flagstar Bank for harassing me and mis-applying my payments and charging me late fees. They are harassing me and causing me stress for no legitimate business reason. 

Attached is my payment history for my mortgage going back as far as my bank 's online banking lets me view the payments. This payment history shows that I have paid my mortgage in full every single month for years.
Product: Debt collection

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Product: Debt collection

On XX/XX/2021 I received a letter dated XX/XX/2021 from XXXX XXXX from XXXX XXXX in fact stating that there is no record that they show that I owe an alleged debt to said company. Procollect which is the third party debt collector is reporting on behalf of XXXX XXXX a negative account on my consumer credit report. All documents that have been sent to both parties are included in this compliant.
Product: Debt collection

They call constantly all day from XXXX to even XXXX. While Im at work, Im getting in trouble for my phone ringing often. Even when I have a payment submitted to them, they call. I submitted a payment XXXX days ago ( XX/XX/22 ) on the due date. They still are calling me minimal 4 times a day and leaving messages. I have asked them in the past ( in XXXX ) NOT to contact me via call, only paper. I have asked not to be contacted for this every time Im on the phone with them. Every time, they say there doesnt seem to be file of that. So no one is even reporting that I dont want these calls.
Product: Credit card

I 've been with American Express for four years without any financial problems of paying my monthly bill. I still believe this is a fine company. However, what I do n't understand is why my card was suspended recently ( XX/XX/2016-XX/XX/2016 ) until I paid my bill which I had to XX/XX/XXXX to do. However, my problem is are they looking at a certain population of people. What was the reason for my suspension. Out of four years I had this card I paid my account late once by one day,. Due do a mix-up. They never had another problem out of me with a late payment. My problem is the many reasons I was given for the suspension of my card.. Reasons like I charged XXXX on my card and I have not done that in six months. So! I was always told that I do n't per say have a limit. Also, I had just charged {$1300.00} XX/XX/XXXX. Why not the concern then. I glad I was n't trying to pay for something at the time the card went down. If below {$1300.00} is going to be my limit, why not give me that in writing so I will know what not to go over? I discussed with why in XX/XX/XXXX {$1300.00} was alright to charge and in XX/XX/XXXX a very, very, very red flag of sort goes up and now it 's an ALARM? Tell me what I can charge without being suspended? 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to handle this with TransUnion several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND send me DOCUMENTS with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus. 
EQUIFAX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$470.00} XXXX HARD INQUIRIES XXXX XXXX XXXX ( 3X ) XXXX XXXX XXXX   COLLECTIONS XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$520.00} XXXX  XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX- DISMISSED
Product: Checking or savings account

The issue I have is regarding a banking policy that permits banks to charge a fee to cash a check when presented in person by a non customer recipient to the account holders bank. It is my belief that this policy is unethical, it ultimately short changes the recipient and undermines the recipient/account holder relationship. I submit that this policy should be universally abandoned by all banking institutions and that the Consumer Financial Protection Bureau ( CFPB ) of the U.S. government should take steps immediately to affect changing this policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a double hard inquire from Navy Federal with the same exact date. Ive only applied for their credit card one time.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of multiple late payments by these creditors to TransUnion. Their records incorrectly show several payments as late, despite the fact that they were made on time. These false late marks are negatively affecting my credit score and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Bank is reporting a 30 day late payment on my account and it is showing up as different dates on different credit bureaus. Example, XXXX  shows the 30 day late payment in XX/XX/XXXX and XXXX shows the 30 day late payment as XX/XX/XXXX, and XXXX shows a 60 day late payment in XX/XX/XXXX. This account has been closed for several years and was always paid as agreed, never late. The discrepancy is obviously because this account was NEVER late and needs to be removed immediately. 
This incorrect information is being reported on all three credit bureaus ( XXXX, XXXX and XXXX ). 
I have tried to resolve this with each of the bureaus as well as with Ally Bank and it keeps showing up on my credit reports incorrectly reported.
Product: Credit card or prepaid card

Hello, I am contacting you because my wife ( who passed away in XXXX ) had a capital one card/acct. and it was closed or so I thought. The account was left open after they were contacted and all the bills were fraud and ran up. I had contacted them long ago and told them. Also, in XXXX XXXX I was in a very bad accident and SSI has found me to be XXXX. I told Capital One this and they ignored me. I want this debt wiped off. Beside the fact it was my wifes card, it was fraud AND I am XXXX. They have destroyed my credit at a time when I need it being off work.
Product: Debt collection

Credence Resource Management continues to call me. There is no record of me owing any debt to them, either directly or indirectly. I contacted them by mail, last year when they started the harassment, to ask for proof of claim, and to inquire about the statement they sent, but they did not respond. Also, asked in the same communication for them not to call and harass, and to respond by mail as I had done. My fear is that their fraud will continue and they will attempt to bind me to some contract against my consent. Their harassment is very troubling as they call at all times of the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : XXXX XXXX XXXX Address : XXXX XXXX XXXX suite XXXX XXXX, tx XXXX Date Opened : XX/XX/2001 Blance claim {$660.00}. I have no knowledge of this please remove immediately. Thank You sincerely, XXXX XXXX
Product: Vehicle loan or lease

Yamaha Financial took back accounts for loans that were being serviced by XXXX XXXX  on XX/XX/2020. I made two separate payments, one posted on XXXX XXXX with a remit date of XX/XX/XXXX and the other posted on XXXX XXXX with a remit date of XX/XX/XXXX. They were both sent to XXXX. 
XXXX states that both payments were forwarded to Yamaha, yet Yamaha states they only received one payment for XXXX. I have spoken with Yamaha numerous times since then, beginning XX/XX/XXXX, and they have claimed they were looking into the missing payment. 
Today, XX/XX/XXXX, they stated that there is no record of a second payment made in XXXX, and that they can not reverse the {$79.00} in late charges that have accrued during the time that their " missing payment team '' has been attempting to locate the {$250.00} payment. Email proof was sent to them XX/XX/XXXX, and I was assured on XXXX. XXXX that all payments would be reflected in my account that were made during the transition period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Bank 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 account can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Dear AFFIRM INC I am writing to formally dispute an inaccurate entry on my credit report. The account with AFFIRM INC and account number XXXX. This inaccurate reporting is negatively impacting my credit report. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. 

I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I 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.
Product: Mortgage

ditech Mortgage- they changed my payment amount and the payment I did make was short about {$35.00} due to a change in escrow. They have not applied the amount that I paid to the account. I over pay every month and there was {$66.00} in unapplied fund that have just disappeared. I really do not know why they are not posting payments when they receive them and if they are hold funds that should be applied to the loan should we expect that they are paying us interest on that money? ditech has been the worst Mortgage company I have ever dealt with. XXXX consumers are complaining about the same information. Please look into this company so that they are treating consumers fairly.
Product: Credit reporting or other personal consumer reports

I have received a handful ( XXXX new ) hard credit inquiries over the past XXXX weeks. All of these are fraudulent. These are the ones that I have been notified on, but there may be some I've missed. I have not performed any hard inquiry in the last year. 

XXXX XXXX XXXX XXXX XXXXXXXX ( spoken with company and will be removed next XXXX hours ) Inquiry date : XX/XX/year> Reported by XXXX XXXX ) XXXX XXXXk XXXX ( spoken with company and will be removed next XXXX hours ) Inquiry date : XX/XX/year> Reported by XXXX XXXX ) Capital One Inquiry date : Notified by XXXX XX/XX/year> but could be up to a few days before then Reported by XXXX XXXX ) Capital One Inquiry date : Notified by XXXX XX/XX/year> but could be up to a few days before then Reported by XXXX
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. The 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 accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/23 and XX/XX/23 ). Please investigate and provide prof with statements showing that these payments were late. If proof can '? be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and XXXX XXXX. Account Balance and High Credit Conflict : o Balance : {$5600.00} o High Credit : {$5600.00} o Credit Limit : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o XXXX : XX/XX/XXXX o XXXX : XX/XX/XXXX o Equifax : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o XXXX : " Dispute resolved ; customer disagrees. '' o XXXX : " Subscriber reports dispute resolved - consumer disagrees. '' o Equifax : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX o Date of Last Payment : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " CO '' and " OK '' marks, especially for Equifax, where there is a mix of " XXXX XXXX XXXX XXXX XXXX XXXX 6. Two-Year Payment History : o The payment history shows " OK '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file which is showing as I am responsible for but I am not, this account was transferred to another office. 
This item XXXX XXXX XXXX {$470.00}, XXXX XXXX  {$790.00} and XXXX XXXX XXXX {$680.00}. claims I am Liable for this account but this is inaccurate because I dont Owe this account, per the FCRA law if the consumer has not been sent original verification of the debt per his/her request it should be removed IMMEDIATELY.

Please reinvestigate this matter and Delete the disputed item as soon as possible.

With that being said I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.

Intimate knowledge of the creation of the debt by you, the collection agency.

As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
Closed accounts that need to be revised : XXXX XXXX {$2400.00} opened XX/XX/XXXX, XXXX {$0.00} opened XX/XX/XXXX, XXXX XXXX  opened XX/XX/XXXX While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 
Also, the ONLY ADDRESS that needs to be reflected is the one on the ID attached Also I have inquiries that need to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX People facts 2 I look forward to a speedy resolution of this matter. 

Sincerely, XXXX XXXX