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

I have had several phone calls with the credit card company, the last of which was in XX/XX/XXXX. I thought the matter had been resolved. It is a business card from a company I left over two years ago. I alerted the corporation I was working for that my name should be removed from the corporate account ( there were at various times 3 or 4 people who had card ). The business apparently failed to do this and continued to use the card after my departure in XX/XX/XXXX. I was completely unaware of this fraudulent action I explained at length in several phone calls, over many long months that I did not make the charges, authorize any new charges, or ongoing automatic payments. I also did not receive any " material benefit '' from the purchases as would be required by the law. I ended my last call with the company hearing directly from them that " so, you are claiming that the charges were fraudulently made as you had left the company ( incorporated under NJ law ) two years before. I replied, " Yes! '' I have not received any communication from the company since XXXX of this year and I was under the assumption that the case was closed. I have now retained legal counsel to plead my case should the company continue to actively pursue this matter and to protect me from this continued harrassment.
Product: Debt collection

RSH & Associates and XXXX XXXXXXXX will both not stop calling me despite me putting my number on the Do Not Call registry and blocking both of their numbers. XXXX from RSH repeatedly calls me from several numbers despite me telling him to stop, and that I keep blocking his numbers. He acknowledges this and keeps calling me all hours of the day for months on end.
Product: Credit reporting or other personal consumer reports

I paid off the standby cash balance and the bank keeps reporting it as bad debt on my credit report I asked if they can please remove the collection/charge off since the balance is paid in full they said No
Product: Debt collection

'XXXX XXXX XXXX XXXX ' company issued my information to a debt collection agency for a debt I do not know about or owe. I have no outstanding business with them and I told them to investigate the transaction to see who was using my information to take things out in my name and they had agreed and told me to ignore the attempt to collect any money from me. 

Now they have sold my information to a debt collector who is harassing me for money that I do not owe. XXXX XXXX XXXX XXXX XXXX, was the name and telephone number I was given to call to find out why they are calling as XXXX XXXX XXXX it claims they no longer have any information for me on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX an alleged debt originated with XXXX XXXX was reported by XXXX XXXX. I demanded validation because I knew the debt was either too old to be my debt or it simply was n't my account. I have not authorized any utilities in my name since I married my wife. Those types of accounts always go in her name. XXXX XXXX did not validate the account they removed the account from my credit report because they lacked the evidence to support their claim. Now XXXX XXXX has purchased the same debt and is reporting the open date asXX/XX/XXXX. I did not authorize the account and on top of that they are intentionally reporting the unauthorized debt as a much newer account than what it actually is.I have included a copy of my old credit report to prove at a minimum the account opening date is invalid. XXXX XXXX needs to validate this debt prior to continuing its collection efforts. Additionally, XXXX has re-added this negative information although the previous owner has failed to provide any form of debt validation after being requested. Finally, I have filed an identity theft report to report this theft. .As stated previously, I did not authorize the opening of the account which is why I demanded validation of the debt in the first place.
Product: Debt collection

The company in question, Asset Maximization Group , Inc. placed a derogatory collections entry on my credit report, lowering my credit score by over 100 points. I have never received a bill or collections letter from them and do not know what it is for. I have never had a medical bill in that amount and have never missed any payment I was due to make in recent memory. Please see attached credit report excerpt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My experian credit report has my birth year as XXXX when it is XXXX as well as am address at XXXX XXXX XXXX in XXXX XXXX florida that i have never lived and an address for XXXX XXXX  XXXX XXXX XXXX XXXX florida that is an error of my current address at XXXX XXXX  XXXX XXXX XXXX fl.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a notification from Chase bank asking me to confirm if I made a purchase of {$200.00} via XXXX XXXX. I replied no and preceded to follow the instructions in the email to order a new card. I called Chase when I got home from work and the automated system stated that a {$490.00} charge was attempted that was declined as well as {$50.00} that was also declined all via XXXX XXXX. When I spoke with a representative I was told that my XXXX XXXX account was compromised and advised me to delete the app and disconnect my card. I alerted the representative that a {$50.00} unauthorized charge was successful on XX/XX/XXXX ( the same day as the other unsuccessful attempts ) as well as {$100.00} and {$75.00}. I was assured that I would not be liable for those charges and received a temporary credit. I asked the representative why I didnt receive a notification for the other charges and was told that it was no need to alert me since they intercepted it as fraud and declined the charges. I received notification in the mail from Chase bank a few weeks later stating that the credits would be reversed because they were credible charges. I called immediately and was told that they charges were legit. I explained the situation that happened on the XXXX of XXXX and further explained that after my card was disabled the same user attempted a {$50.00} debit from my account. I asked for proof of the evidence because this was indeed fraud and I didnt purchase anything it was fraud. They told me to take it up with the merchant if I wasnt happy with my purchase and again I stated what merchant and purchase this was fraud. She didnt want to hear it. I called and spoke with three representatives and they all refused to reopen the investigation. No one wants to help find a resolve to this situation. Now my account is overdrawn because of these debits to my account.
Product: Debt collection

Since XX/XX/2011 I started my payment plan. Please see attachment from XX/XX/2011 payment for {$150.00}. 
I would like to dispute and get refund because my financial account have been charged off and closed so it was already too late but the debt agency still accept and collect funds when the account was closed. And it was too late the financial institutions is still saying Im suppose to pay by XX/XX/2011. But the agency still told me I could reopen the closed account and I could start the payment plan but it was not true.
Product: Mortgage

Over The past 2 years we have made countless calls to Shell Point Mortgage regarding assistance with a loan modification but to no avail. Shell Point mortgage service has been completely unfair in there constant request for additional documents. After all documents have been received I wait to hear from them only to be told they hadn't received documents or now need additional documents. I'm told the need exterior and interior appraisals by 2 separate companies causing more of delay. I have had 3 interior appraisals done in the last 6 months. After the appraisal has been completed I'm told that I need to wait 30 days for underwriter in which they ask for further documentation. We continue to send more docs both to their attorneys by fax and email. Even with the help of a housing counselor we are all spinning our wheels. Every 30 days they need more documents and updated documents and ultimately another interior appraisal just a constant circle and they moving faster and faster on a sale when Ive been trying desperately to cooperate but Shell Point has not been helping me and completely given me the run around and I'm being lied to. Please help me with my nightmare mortgage company.
Product: Debt collection

I am in the beginning of a mortgage re-fi. I mailed a dispute letter to clear up several inaccurate items on my credit XX/XX/2019. 

Then this mysterious collection appears on my credit? I was never, ever notified by mail about this medical issue from State Collection Service. I mailed both dispute letters to all CRAs and a direct debt validation letter to State Collection on XX/XX/2019. 

The debt was validated on XXXX, deleted off XXXX, I do not believe it was ever reported on XXXX. Yet, the direct furnisher letter was never answered? 

I believe from my credit reading that validating a CRA dispute is a violation until the direct furnisher letter has been verified and a response has been mailed to the person disputing.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was an inquiry on my credit report by EQUIFAX MORTGAGE SERVICE. I did not authorize such an inquiry. I am not in the market to buy a home or re-finance the home I currently own. XXXX is refusing to remove it and since XX/XX/year> I have received an onslaught of phone call solicitations regarding various mortgage products and services.
Product: Checking or savings account

I received the email that my bank account was closed on XX/XX/XXXX, I asked customer service the next day when I would receive the check for my refund, customer service told me that I would receive it within seven days, but after seven days I didn't receive the check, and I didn't receive any information in the mail ( i.e. XXXX XXXX and tracking number ). I have rent due XX/XX/XXXX, and almost all of my money is in that account, so I need to receive the check as fast as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the finding out of the equifax data breach, I decided to protect myself by thoroughly investigating my own credit report and doing research. I own a XXXX XXXX, XXXX, and XXXX XXXX card and recently applied for another one and was approved. Upon seeing things affecting my scores I discovered XXXX hard inquiries, with many of them the Same one twice and all within a week of each other. I have purchased XXXX XXXX to protect myself and I am going to be placing a fraud alert as well. I am working on my credit to be able to apply for a house loan next year and need these unauthorized inquiries off. I have contacted equifax X/X/2017 please help me remove these inquiries from all CB please
Product: Debt collection

Be advised this is not my debt, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor.
Product: Checking or savings account

On XX/XX/2023 I went to the Wells Fargo branch location at XXXX XXXX XXXX XXXX. XXXX, NC to deposit my payroll check. I utilized the drive through teller window to deposit my payroll check in the amount of {$870.00} On my deposit slip, I instructed the teller to deposit the full amount of the check into my Savings Account # XXXX, with {$200.00} of the check amount issued to me in cash as a withdrawal. The teller provided me with 10 bills worth {$20.00} each. Later, I received a notification that my check had been returned as unpaid due to a tear at the bottom of the check where the account and routing numbers are located. Due to this returned check, my account was debited {$870.00}. However, my account should have only been debited that entire amount if I had actually withdrawn the entire amount of the check in cash. I did not. My balance should have been brought down to {$340.00} since my account was at {$530.00} at the time of the deposit and I only withdrew {$200.00} of the returned check amount in cash. Instead, I have been told that my account has a negative balance because Wells Fargo claims that they issued me the entire check amount of {$870.00} as a cash withdrawal. 

Wells Fargo has performed an initial investigation of this matter under claim number XXXX and determined that they do not owe me any money because I received a new check from my employer for the returned check amount. However, Wells Fargo has incorrectly claimed that I withdrew the full check amount in cash on that day and now claims that I owe them that amount. That is false. I only withdrew {$200.00} of the {$870.00} check and attempted to deposit the remainder. Wells Fargo has claimed that there is no video footage of this matter and that I withdrew the entire amount of the check in cash. I respectfully do not believe that to be the case. I request that this matter be reviewed. You will find that the teller never handed me {$870.00}. She only provided me with {$200.00}. I am simply asking for my account to be properly debited for the actual withdrawal that I made of {$200.00} which would bring my account balance to {$340.00}, which accurately represents the {$200.00} debit from the original amount of {$540.00}. The deposit slip presented to the teller that day confirmed that the full check was deposited to the bank, except for {$200.00} that was provided to me as a cash withdrawal. Thank you for looking into this matter.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a discrepancy in the reporting of my account with your company. 

During the COVID-19 pandemic, my payments were appropriately deferred under the XXXX XXXX. However, it has come to my attention that there is an erroneous report indicating a late payment in XX/XX/2020. I want to emphasize that this is inaccurate, and as per the XXXX XXXX, my payments were appropriately deferred during this period. 

This discrepancy is not only inaccurate but also constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as I am protected under the CARES Act provisions. 

I kindly request the immediate correction of my credit report to reflect that my account is " paid as agreed '' with no late payments, considering the protections provided under the XXXX XXXX during the specified period.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I saw that part of the information was inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these account must be verified by the three credit bureaus ( A ). It is not acceptable to disregard these reporting account as unconfirmed information without supplying evidence within the legally mandated time range. The following incorrect information appears on my credit report ; it has to be looked into and corrected : XXXX XXXX XXXX Balance : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed on my credit report by Credit Acceptance Corp. It is listed as open when in fact it is closed. Furthermore this account is damaging my scores horrifically! They ( credit acceptance corp ) continue to report to the bureaus that this account is open and 120 days past due every month for years! That is not possible!!! - it is not open! It has been closed for years. If you look at the Monthly Payment there is no monthly payment because it is closed! This account has been marked late 120 days for the last few years and it's closed! this should not be on my report at all.
Product: Credit card

Ive held an account with capital one for many years. Recently Ive been made aware that my data could have been exposed and that there was a class action law suit. I was never notified that there was a data breach and that my information may have been exposed during the incident. When I learned of this. I called the number and requested information to confirm if I was an original member of the suit and was told the deadline has passed. And was hung up on. How could I miss a deadline for something I knew nothing about? I check every single email I get in every folder every single day multiple times a day. I was never made aware by capital one that there was a data breach and if I could have been affected.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting any lates on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The late payments reporting had been deferred via the CARES Act. I had arrangements with XXXX XXXX  and I was assured by the representative that no lates would report. Unfortunately, the mortgage company did not honor our agreement. Also, the bureaus are not correctly reporting this account as in dispute. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of the lates on the account. I have never received any communication from the bureaus to show that my request was acknowledged. My most recent credit report shows this account as not in dispute, when in fact, the account is in dispute. This language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit card or prepaid card

Ive made a basic dispute by calling Chases 800 number. A few days later I received a letter to be filled out and sent back. They offer three options to return it and I selected to fax it back to them. A few weeks later I received another letter, stating that They have not received my response. I faxed it over again, but decided to check and found a confirmation that fax was delivered. I called disputes department again and was told not only that there is no fax to be found, but that the charge was validated already. I asked how was it possible for them not to receive it, and was told that I have not faxed it over. Moreover, to reopen a dispute I have to fax them a letter asking them to do so.

I asked to speak to a supervisor, and got basically the same information repeated back to me. When I asked if they received the second fax I sent in, I was told that it make up to 30 days for it to hit the desk. Immediate follow up from me was, if it does take that long, is it possible that my original fax didnt hit the desk yet, and why would the dispute be closed if it takes them that long to process faxes. I herd back a robotic response that nothing can be done now and I have to fax a letter to reopen the case. I asked for a phone number to the executive office and was offered a mailing address instead, as I wanted clarification, supervisor XXXX XXXX cordially informed me that JP Morgan Chase executive office does not have a phone number ( I guess company is saving money buy not having to buy phones for that office building ).

I said that my next step would be getting in touch with CFPB and miraculously he told me that my fax was located. Somehow, it was not attached to a dispute, and the full credit card number on the letter and name of the merchant made it impossible to find it earlier. I asked for a quick resolution, after Chases XXXX up, but instead was told to wait 30 days. 
I have XXXX confidence in Chase, their Credit card division has let me down numerous times in the last 6 month, and I dont want to pay for the useless product that I had to throw out and just waisted my time on.
Product: Credit reporting

In XXXX of 2008, my husband and I sold our home to a third party. The lawyers for the buyers failed to payoff our mortgage and allowed the buyers to assume our mortgage. Subsequently the mortgage went into default and the mortgagor XXXX XXXX XXXX foreclosed the property. I have filed a lawsuit against XXXX XXXX XXXX and the buyers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. 

Here is the list of inquiries : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX XXXX Equifax inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX