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

XXXX XXXX XXXX  by XXXX XXXX  is not considered to be payday loan weekly on credit report impact potential negative upon late payments after I did request them to be closed the account so that I could settle special program payments could arrangements unfortunately they refused to close the account before 30 days to put negative potential harm my credit report unacceptable however I did dispute all credit report bureau but not satisfied their results because its clearly not accurate report monthly payments instead of payday loan weekly report. XXXX XXXX XXXX should be considered to be monthly payments upon credit report NOT PAYDAY WEEKLY!!! I did contact them twice but not resolved due to communication access I am deaf to use video relay operator service to assist me communicating access by FCC federal regulators required I did dispute all of them again additionally information support PDF documents for weekly payments scheduled NOT MONTHLY!!! Also interest rates excessive more than weekly long periods I didnt appreciate them
Product: Debt collection

Medicredit Debt Collection Agency contacted me via mailing in XX/XX/2020 about a medical debt from the billing department of XXXX XXXX  in XXXX, NC. I contacted a XXXX XXXX XXXX, XXXX XXXX in the billing department and verified the debt amount owed, as well as, the medical service date. Soon after, I reached out to Medicredit Debt Collection Agency to settle the debt owed from XXXX XXXX. 

In XX/XX/2020, I paid the verbally agreed upon debt settlement amount reached with XXXX, a Supervisor from the Medicredit Debt Collection Agency location in California based on an agreed upon percentage amount within the month of XX/XX/2020 ; I have submitted proof of the two adjusted payment amounts which were email receipted to me on XX/XX/2020 and XX/XX/2020. 

Also, I was also told once the debt was settled that the debt collection would be removed from all three credit bureau reports within 30 days. Medicredit Debt Collection Agency has not kept the pay-off agreement by removing the debt from my credit reports and continues to perpetuate a non-existent debt as being unpaid.
Product: Debt collection

I am unaware of any dealings with the original creditor of XXXX XXXX XXXX and XXXX or the current creditor of JTM Capital Management ; nor do either of these creditors appear on my credit reports. 

It is my belief that this alleged debt is either well outside the collections statute of limitations and attempted to be collection outside of FDCPA laws or is fraudulent. I require that JTM Capital Management provide documentation which includes my signature that shows I in fact authorized this alleged debt. That said please consider this my formal notice that I dispute the validity of this alleged debt and any additional collection attempts during the debt validation period of 30 days will be reported as a violation of the FDCPA and I will leverage all available legal remedies.
Product: Debt collection

XXXX  Violation account # XXXX. In reference to the above account listed, your company is in violation the Fair Credit Reporting Act ( " FCRA " ). The Health Insurance Portability and Accountability Act ( " XXXX " ). I have never received a XXXX release form with my signature authorizing my medical records and private information to be released to your company. I am requesting a copy of a XXXX release form of my medical records and private information with my signature authorizing your company to obtain these documents. ( Medical Revenue Service ).
Product: Checking or savings account

I contacted Citibank months ago because I could not access online. They told me the account was inactive and I needed to send a notarized statement to them, which I did! Now i find my account has been closed and turned over to unclaimed money, but no one can tell me where that money is. they told me Maine, Illinois, South Dakota, etc ... ..but there is no record to be found of any unclaimed having it. It is a substantial amount of money and they should be able to tell me where it is Please help. I have had nothing but bad experiences with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, I have recently reviewed my credit report and noticed several unauthorized and inaccurate inquiries reported to my profile. Pursuant to 15 USC 1681b, when the consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am demanding these inaccurate inquiries be investigated and removed immediately. 
INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card

I have always paid on time, of that I am sure. However, I'm uncertain why this company is reporting me as late in certain months, which should not be the case. As per USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2022 as I was applied for a XXXX card and got denied. When I called the company to find out why did I got denied for credit, they told me that I have a collection into my credit. Than when I called credit reporting agency and got my report, found out Southwest recovery had place a collection in my account which is I was not aware off. than I called them to find out why they where reporting me to the credit bureau, and they had told me I signed up to received credit card for my company. I told them that they mistaking me for someone else because for the life of my business I have never accepted credit card that it was not me. they sent me a contract that was supposed to sign by me and I told them someone had done that, it was not me. they still don't want to take it off. So I am asking your to help me with this. 
their number is XXXX please let me know what can your do
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting the inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these invalidated claims.
Product: Credit reporting or other personal consumer reports

I have submitted several disputes to all 3 major credit reporting bureaus ( XXXX/Equifax/XXXX ) in regards to this XXXXXXXX XXXX XXXX account and the numerous discrepancies and inconsistencies reported on this account by all 3 bureaus. I have requested verification and validity of this alleged debt from the 3 bureaus and the collection agency directly. I keep getting notifications from all three bureaus stating that the information on this collection has been " verified '' and is " accurate '' when you blatantly see the inconsistent and inaccurate items being reported on this account that I will detail. First and foremost, Equifax is currently reporting this account as OPEN! and 120 days PAST DUE, on a collection account! Equifax is also reporting a date of last payment! I have NEVER made any payment on this account as I deny it is mine. a collection is by DEFAULT late and past due. The sole fact that this collection is reporting 120 days late and open is a complete error and FCRA violation. Furthermore, XXXX is also reporting this collection as an OPEN account. Lastly, XXXX is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. Equifax is reporting date of last activity as XX/XX/XXXX. Pursuant to the FCRA I am entitled to fair and 100 % accurate reporting. These egregious errors are ruining my life and the fact that the bureaus failed to acknowledge or rectify these reporting errors and verified them as accurate is astonishing to me and I demand relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX-Balance {$1100.00} XXXXXXXX-XXXX-Balance {$630.00} XXXX XXXX-XXXX-Balance {$10000.00} XXXX XXXX-Balance {$1200.00} XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX-Balance {$6100.00}
Product: Mortgage

PHH assumed the mortgage servicing from XXXX OCWEN in XX/XX/XXXX. PHH indicated that my payment for XXXX was received one day late and charged a late fee. My bank indicated that PHH has rejected their payment and required it to be sent out by mail. PHH never waved flight fee despite the fact that there shouldve been some notification of change of servicingIn XX/XX/XXXX of XXXX I sold my property and pay off my mortgage the PHH has failed to remit the balance of the escrow account and every time that I either write them they say that they have a record of the loan number or if or online application I receive an email stating that they can not respond back to me because they do not have email listed in their accounts each time Ive tried to call them for the past two months I need to get a recording that says theyre unable to connect me to a representative or I get a recording that says hold for the next operator and then Im disconnected I want to both the payment of my escrow thats not have not having been disbursedTo be refunded and the satisfaction of mortgage to be executed by PHH Despite notifying PHH about a change of mailing address telephonically and in writing in XX/XX/XXXX plus XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX year end statements and bills continued to be sent to prior address
Product: Checking or savings account

I have two checks ( {$7500.00} per each ) I deposited in XXXX, 2024. The maker is my colleague. His check contains his old address in XXXX when he moved to US a few years ago, as he didn't update it since then. These two checks were marked as bad checks by Chase and I called to ask for reasons. One of the agents help me verify it with my colleague 's US address I provided, which matches with his US phone number. He submitted a request for me to reopen my Chase account and get my money back. Later I called Chase again and they told me that the back office denied that request as they can't verify the check with the address written on the check and it has to be that address. I asked if there are other ways we can get this resolve. They told me there is none as they can't verify a phone number with an international address in their system, so they suspend my money and can not return it. Now the money can not be returned to the maker or me. 

Chase is making a huge mistake and make my life miserable. They took away my money because of a wrong address that they can't verify and didn't provide a solution for me to resolve it. I asked if we can go to a Chase branch with the maker and his ID in person or some other ways to verify the fund, they told me no. This has been ridiculous and I need some help to get my money back.
Product: Checking or savings account

Im filing a complaint with the CFPB regarding Capital Ones failure to deposit direct deposit from my Employer and other additional deposits. Capital one has cited technical issues, Which may violate the Electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter To ensure my rights upheld. Thank you.
Product: Credit card

I originally submitted a fraud claim with Wells Fargo bank in XXXX of 2016. Wells Fargo denied my claim because they said that I continued to pay my bill so the charge was valid. I had never heard of the company, and I pay my bills on time, so I let them know that I had never had any interaction with the company in question. The denied me again. After the second denial, I asked reached out to the Consumer Financial Protection Bureau. Wells Fargo responded and said that I should contact the company directly and when I have more evidence, that I should furnish them with it. I did contact the merchant who billed me via email. They told me that they did n't have any record of doing any business with me. I then sent this email thread to Wells Fargo so that they could correct my account. They did not. Wells Fargo has a {$0.00} fraud liability for clients, and this merchant has no record of doing business with me and I have no record of doing business with them.
Product: Credit card or prepaid card

Application was submitted for me and an additional card holder, card was approved however American Express has failed to complete my request citing no information as to why I am unable to add an additional card holder to MY account. I called customer service several times and was told it was a glitch in their system or an uncompleted part of the application, was asked to provide my additional card holder information including date of birth and SSN number. SSN number should not be required to add an additional card holder to an account which no other bank does. I have repeatedly told American express that due to their failure to abide by this request that I do not want the account and would like it to be scrapped from my credit report and closed immediately. As a retention method the CSR put in a second request saying there should not be a reason why their new accounts team can not process the additional card. I have received my card in the mail via XXXX track # XXXX XXXX XXXX XXXX XXXX XXXX. The new card has been sent back via USPS 3 day priority mail.
Product: Debt collection

I have reached out for more information about this alleged account to include the 1099 considering it is listed as a charge off. Please stop ignoring me and provide the 1099 for this charge-off or at least tell me if there was one done. Also if this alleged debt was sold provide that information as well. You have several alleged accounts for me under XXXX and I need this info for and all. THIS IS ALLEGEDLY VICTORIA SECRETS ACCOUNT
Product: Credit reporting or other personal consumer reports

Based on : XXXX XXXX XXXX XXXX a consumer reporting agency shall not block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account is in violation and reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the XXXX XXXX XXXX XXXX. These accounts have violated my rights. 
Pursuant to XXXX XXXX XXXX XXXX section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting an original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the lists of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX days from the date of the receipt of this notice. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items, I have never had accounts, with these vendors, my credit was perfect and I have continued to get negative items, on my credit report, that are not my account. I have several energy accounts, that aren't my credit account.

The following accounts are listed on my credit and I have never received any, communications, regarding the accounts. They were just posted to my credit report.

XXXX XXXX   original creditor ( XXXX XXXX XXXX ) Acct # XXXX   Phone # XXXX XXXX XXXX  original creditor ( XXXX XXXX  ) Acct # XXXX Phone # XXXX XXXX XXXX   original creditor ( XXXX XXXX XXXX XXXX ) Acct # XXXX Phone # XXXX XXXX XXXX XXXX  Acct # XXXX Phone # XXXX
Product: Credit reporting or other personal consumer reports

I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Debt collection agency ( XXXX  ) calling every day, often more than once a day from different numbers to not only personal phone but also spouses phone who is not linked to any account with the company claiming there is a debt. Unsure of how they found her phone number as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has been discriminitian against me because of my age, race i have reported to experian many times this fraudulent account to my report i have send the all documention, i have call, i have rpeort to state attorney m FTC m local police and have send all the documention of this eligal account and they refuse to removed this ilegal account from my report ... XXXX XXXX XXXX PLEASE HELP ME RESOLVE THIS SITUATION THAT HAS BEEN GOING ON FOR YEARS AND EXPERIAN IS DISCRIMINARIAN AGAINST ME
Product: Money transfer, virtual currency, or money service

I open a paypal account and everything was ok, after a month i decide to try to use my paypal and them it was a limitation place on the account but when i decided to send my ID i received a email everything was good. 

i called paypal for made sure that my account was full access and after i talk to agent she decided to limited my account without any explanation. 
i told her why you put the limitation is there nothing on my account and she said there is a risk. i said that not any risk becouse i do not have any transaccion, that stupid. 

my account was place a limitation without any explanation with arbitrary desicion after i called! 

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

My payment history is excellent and I have no derogatory accounts that I can see to fix on my credit reportIt all looks to be excellent. My accounts are over 30 yrs old and while my debt is over 30 %. Its still at just 42 %. I have a stable well-paying job. Yet my credit score is so low ( and CONTINUES to be ) that I cant even get a consolidation loan to address the debt I DO have. My credit score hovers below or just slightly above XXXX is ridiculous with my excellent history. I used to have a credit score of XXXX. I have NEVER filed for bankruptcy, yet i have a credit score lower than those that have! This is negatively affecting my life and my kids lives. I may lose my job over this low scoreIf I do, Im suing.