23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notice of a hearing from the attorney for a motion to renew judgment on a very old debt. 

The attorney is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX Phone XXXX Fax XXXX. 

I ca n't recall why this amount was owed, etc. and it was never explained to me. I knew from ten years ago that a judgment was made and unfortunately I was unable to attend the hearing because I was moving from my original address in XXXX, MI at the time. I am now living in XXXX County and the hearing is in XXXX County. I received notice from the State of Michigan that she seized my Michigan State tax return in XXXX. 

The upcoming hearing is XXXX miles away from my home residence, of which Mary Jane Elliot et. al is well aware. The notice is dated XXXX XXXX, XXXX and I did n't receive it until XXXX XXXX, XXXX, so I have n't been given adequate time to prepare a legal defense. 

They are also charging me {$960.00} in interest on a {$690.00} balance for a total of {$1600.00}. I feel this amount is ridiculous, especially since I never acknowledged this debt and the statute of limitations has run out long ago. 

I feel that ten years of having my credit report ruined and fear of the unjust actions of this firm for a false debt is more than adequate a price to pay. They have done nothing to provide proof of the debt or get my voluntary acceptance of it. This is the first I have heard from them in years. The original judgment was in XXXX. 

As Mary Jane Elliot et. al must be aware, I have limited resources to respond to her lawsuit. At the very least she should be suing me in a court near my residence not somewhere I have n't lived in a decade. 

The case number is XXXX in the XXXX District Court before the Honorable XXXX XXXX XXXX on XXXX XXXX, XXXX. 

In closing, I would like to comment about the importance of protections to safeguard the rights of consumers from the unethical actions of creditors such as Mary Jane Elliot et. al. 

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

These fraudulent accounts on my credit reports have hindered me from supporting my family to the best of my ability and has caused me a tremendous amount of stress, anxiety and embarrassment. My quality of life has severely declined as a result of the constant collections calls, time spent attempting to restore my identity, and back-and-forth with the creditors. Please assist effectively and immediately. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} {$120.00} XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$690.00} {$690.00} XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX  XXXX {$0.00} {$300.00} 0 % Revolving Negative  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$12000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9400.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$9700.00} - - Installment Negative XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX U.S.C XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX  RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 
( dispute_item_and_explanation ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ). 
Sincerely, XXXX XXXX Update the following statements to ALWAYS PAID-ON-TIME/ PAID-AS-AGREED PLEASE AND THANK YOU!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Product: Mortgage

On XX/XX/18 I paid off my balance in my HELOC at PNC Bank for the paid off amount of the loan {$78000.00} the bank didn't cash the check until XX/XX/18. I am being charged interest and fees and my loan still remains open with an outstanding balance!!! I spoke to numerous persons who stated the pay off was a day late and I owe {$560.00} in interest and fees
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Employers XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I pulled up my credit report and noticed a lot of inquiries. I have 3 inquiries I am aware of I did not authorize any of those companies to run my credit. I am very concerned about what I see here especially since i did not give anyone permission to pull only one I initiated is XXXX. Experian did not properly investigate my request to review the unauthorize credit inquiries which is damaging my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Experian credit report and found the following item to be in error. 

The following address does not belong to me. 

XXXX XXXX XXXX XXXX, XXXX GA XXXX
Product: Credit card

I am transferring the liability of the alleged debt onto my trust, XXXX XXXX XXXX XXXX # XXXX. NOTICE TO AGENT IS NOTICE TO PRINCIPLE AND NOTICE TO PRINCIPLE IS NOTICE TO AGENT. NOTICE OF REJECTION, REVOCATION AND TERMINATION OF ALL SECURITY INTEREST. This letter shall be considered lawful notice that I hereby REJECT, REVOKE and TERMINATE of all security interest to NavyFederal Union. I am now doing the recession of the security interest that I gave you. I am doing a recession of you being able to keep my proceeds from the security. I am taking back the security interest that I gave you in this contract and the proceeds that you are receiving off of my contract. This correspondence is to request all certified copies and/or copies of all bonds, securities, assets, and contracts being used to leverage or involved in the beforementioned ( note promissory security ) numbers. Navy Federal credit union violations ofTruth-In-Lending Act, Violation of Privacy and Gramm-Leach-Bliley Act, fraud, extortion, theft by deception, mail fraud, Slandering, Libel, Securities and Exchange Commission ( SEC ) and General Accepted Accounting Principles ( GAAP ) fraud. negligent and willful noncompliance with the law. This letter shall be considered lawful notice to NavyFederal Credit Union. All prior Powers of Attorney, all other prior presumed or granted Executorships, Trust and Agency relationships are terminated. I hereby invoke all of the protection guaranteed to me under all Titles, Codes, Statutes and/or laws, the Florida Constitution and the Constitution for these United States . Navy Federal willful noncompliance with the law, Civil liability. Criminal liability for willful and knowing violation.
Product: Debt collection

My identity was stolen and a imposter turned into me by using my date of birth, social security number and name to open up this account.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your Investigation.

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

*Account Name : ** [ XXXX  XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX XXXXXXXXXXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Money transfer, virtual currency, or money service

Own a XXXX and trying to set up direct deposit with XXXX XXXX but PNC will not ALLOW
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX Account number : # XXXX XXXX XXXX and Transunion have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by XXXX XXXX and Transunion. Transunion and XXXX XXXX have been and are reporting my account as managed by credit counseling program which is not true. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to both Transunion and XXXX XXXX that this account was a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from XXXX XXXX or Transunion of their inaccurate information reporting and I didnt receive it from both of them. Since neither XXXX XXXX nor Transunion have a verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to Transunion onXX/XX/XXXX : XXXX. Second certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to investigate and delete fraudulent unauthorized hard inquiries, they simply say they Im out of luck. 

Here is the letter I sent them. 

XX/XX/XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX Dear EQUIFAX I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX INQUIRY ON : XX/XX/XXXX Creditor : XXXX XXXX XXXX INQUIRY ON : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX ON : XX/XX/XXXX Creditor : XXXX XXXX INQUIRY ON : XX/XX/XXXX Creditor : XXXX XXXX INQUIRY On : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX services Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX  XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XXXX Creditor : XXXX XXXX XXXX on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX  XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Inquiry on : I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I look forward to receiving an updated copy of my credit report reflecting the above corrections. Thanking you in advance.
Product: Credit card or prepaid card

To Whom It May Concern : Im writing this letter to express my gratitude as a long-time customer of First Progress Card and to discuss a concern regarding my account. Specifically, I would like to discuss an item posted to my credit report regarding this account and request that it be revised. My account with First Progress Card began in XX/XX/XXXX. Since that time, I have enjoyed excellent customer service and benefits and have been happy with First Progress Card. I have also been a customer in good standing since XX/XX/XXXX and paying my account in a timely manner. However, in XXXX XXXX and XXXX and XX/XX/XXXX. I fell on hard times due to being very ill as a result I became late in my payments. I wish that I was able to continue with payments in my normal manner during that time and regret that I wasnt able to do so. Following those personal emergencies, Ive worked hard to repair any damage done to my credit and personal financial life, and Im reaching out to you for support in that effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX Ive done 2 disputes with the credit bureau and waited 30 days each time for results. No results were given and even after disputing with the cfpd I was told I will get a response in 60 days. By law under XXXX Federal Fair Credit Act .I am to get a response with in 30 days of the date I sent the letter to the bureau for investigation. They company only had 30 days to prove any accuracy or remove entirely from my report. If these laws are violated i due monetary compensation of {$1000.00} per item They are also in violation of Fair and Accurate Credit Transaction Act of XXXX
Product: Debt collection

I have disputed this debt with Transworld Systems multiple times dating back to XX/XX/2019 and the company has not received correspondence from the residential community claiming I owe this balance. They have been given more than enough time to prove I owe this debt and I have received no response. The account remains on my credit report
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 
CONFIRMATION # XXXX XX/XX/year> 2024
Product: Checking or savings account

On Sunday, XX/XX/XXXX I noticed I had two pending transactions. An ACH payment for {$50.00} and another ACH payment for {$29.00}. So I head to the bank to deposit {$40.00} needed to cover those transactions before I get charged two insufficient fund fees. I was expecting another ACH payment for {$100.00} to come in on Monday which I was okay with paying that fee to cover that payment. On Tuesday I get an alert showing three Insufficient funds fees. The way they structure the payments to go into the account {$100.00}, {$50.00} and {$29.00}. I called customer service on Tuesday and talked to XXXX  who was unable to explain to me how is it that on Sunday the two smaller transactions are shown pending on the app but come Tuesday the bigger transactions is posted first creating not one Fee but three. I believe this practice is wrong they are structuring the way payments come in in order to collect more Insufficient Funds Fees.

Chase Bank
Product: Checking or savings account

I deposit my payroll check via mobile deposit. When I checked the next business day the check posted but funds were not available. When I called Citibank they said that there was a security issue and I needed to speak to the fraud dept. After speaking with that department for at least 5 different phone calls, they told me that there was a issue verifying the check. So they had new, have my HR representative. Contact them to verify the check-in the amount. After which, my HR person contacted me and told me to call Citibank back 2 verify that they spoke to them after about being on. Hold for that, at least 20 minutes. They told me that the security issue was resolved and my funds were available. I checked my account later and found that that the funds were not available yet and as I called the security department again. They are telling me now that there is a six day hold on my check until I can get my funds even those they have already received those funds from my payroll company.

This is ridiculous
Product: Credit card or prepaid card

I am a long time holder of a Chase XXXX card ending in XXXX. I was required to get a new card. My credit limit was basically cut in half. I got shuffled around the call centers and finally got a supervisor XXXX. It should be noted the new card and bills had been sent to the wrong address. XXXX who stated she did a " review ''. XXXX stated she would close the card because of reports on charge offs and some items that were supposedly charged off on my card. I stated that when customer service had told me of a past due balance on my XXXX. I paid it immediately by my checking account over the phone. That I was part of a special program that was working with my creditors to settle and pay my debt. I asked to speak to another supervisor to reverse the decision and reopen my XXXX card ending in XXXX. Several days later a XXXX  who identified himself as a supervisor from Chase credit. He belittled me over the fact that I was using negotiators to settle my debt and the XXXX card would remain closed. As a point of two facts, one some of the credit card companies had contacted me some time ago to settle the credit cards. Why was ok for the credit card companies to negotiate settlements and not me. Second fact is that settlement of debt is legitimate and is an alternative used by many professionals, business people and even companies themselves. I was treated by XXXX and XXXX as a mere line item on a credit score. I am human and a business person, my credit has not always be perfect. However I proactively took steps to eliminate my debt.