23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have 2 collections on my credit report that I would like removed. Requested TO CMRE FINANCIAL SERVICES by certified mail with no RETURN response to send me information as listed in this message. 

CMRE FINANCIAL SERVICES claims my medical bills were not paid. Medical Insurance paid this claim. I am on medicare and have met my deductible with no additional copay needed. 

CMRE FINANCIAL SERVICES claims I own on 2 collection accounts for the sums of {$1300.00} on XX/XX/XXXX and {$590.00} on XX/XX/XXXX totaling {$1900.00}. 

Sent letter to CMRE FINANCIAL SERVICES certified mail demanding information as listed below..

CMRE FINANCIAL SERVICES C/O XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, CA. XXXX ( XXXX XXXX XXXX Re : Acct No. XXXX To Whom It May Concern : I am writing this letter in response to the credit collection and follow up letter received from you on XX/XX/XXXX and phone call made to you on XX/XX/XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation, to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Mortgage

WELLS FARGO HOME MORTGAGE accepted our funds, told us our loan the was paid in full, then said there was insufficient funds and that they would return the cashiers check. The cashiers check has not been returned. 
The CFO has also defaulted by not answering or returning our negotiable instruments, ignoring the Official Surrender as per title 50 for settlement.
Product: Prepaid card

I was directed by the company that confirming funds with a 3rd party via their phone system would be safe and secure, as long as the card number was only keyed in and not spoken. As this seemed odd, I called back and another, different employee also assured me that it was safe and secure to key in the number. I followed the company 's official 's directions and keyed in the number as directed. As a result, the other party somehow obtained the number and withdrew {$500.00}, stealing the balance on the card. 

I record all such calls and have both agents as well as a supervisor assuring me that keying in the card number is safe. I have explained what happened and have attempted to get a refund, but the only response I get is that no one is authorized to do so. The company, owned by Blackhawk Networks, is having it 's employees give incorrect, dangerous, and harmful instructions on how to use their product, ReLoadIt. Myself and other have experienced financial loss and damages while using their products as directed by their personnel.
Product: Credit card or prepaid card

I have got a 30 day late from CapitalOne report on my credit report because I never received my statement on time, after finding out that I had owed them I quickly sent out {$75.00} check with the USPS postal service as a 2 day deliver with tracking number XXXX ( unfortunately usps does not keep tracking longer then 120 days ) but during this time CapitalOne did receive the mail because it showed with tracking it was delivered but for some reason they never applied the credit to my account. After finding this out I quickly paid them over the phone or online I don't remember exactly but it was paid eventually. now they have reported a 30 day late in my credit report which it causing me damages for applying other credit cards that give me higher interest rates do to late being reported. This problem was caused by a chain reaction 1st being not getting the statement then not receiving my check if I didnt have the 1st problem we wouldn't have this problem. I have requested tracking number of the statement with capitalone which they cant provide me. there is no proof that they sent me a statement so I can know what has happen. If they cant remove my 30 day late or so me proof from there end I was late because of my fault then they need to remove the 30 day negative report from my credit report, I have contact them many times only to get a canned response back that its verified and late from there end. Where is your proof its late? Cap1 for the payment late because they never sent me a statement to begin with.
Product: Credit reporting or other personal consumer reports

XX/XX/23 i submitted a complaint with cfpb and XXXX stated they closed the account and would remove all collections reporting. However the company removed the debt and added it right back. Causing my score to decrease XXXX points.
Product: Credit reporting or other personal consumer reports

I opened a VS credit card but never ever used it. Balance should be XXXX, but on my credit report, it shows as charged off with a balance of {$450.00}. The account number on the credit report does not match the actual account number.
Product: Debt collection

I have not received documentation regarding what debt is for or its authenticy. Please remove from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I reviewed my credit reports with my credit monitoring website after paying {$29.00} for this option, I noticed there are multiple fraudulent accounts in my name on my credit reports with XXXX XXXX, Experian and XXXX. I reviewed the process on how to proceed with this situation in the Fair Credit Reporting Act, section 611 and typed a letter, signed it and completed an affidavit with the Federal Trade Commission as well as sending a copy of section 611 with these documents to Experian XXXX XXXX and XXXX, having paid an additional {$27.00} in mailing fees for certifying this packet to the credit bureaus. I received notice that each credit bureau received my certified letters on XX/XX/19. I am aware it does take up to 30 days for the credit bureaus to review and/or investigate this dispute and will mail results within that time line. I paid on XX/XX/19 {$29.00} to my credit monitoring account to review all bureaus and noticed the disputed accounts have not been removed with any of the credit bureaus. I have not received any investigation results or notifications what so ever for this situation. It is not XX/XX/19 and I am filing a complaint with the Consumer Financial Protection Bureau to help me in this matter because I do not want to be left dealing with this situation for months and being mistreated by the credit bureaus as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I tried to apply for a car they told me i had 20 hard inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Finance ), XXXX  ( Bank ), XXXX XXXX ( Finance ), XXXX XXXX ( Bank ), XXXX XXXX XXXX ( Bank ), XXXX XXXX XXXX XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Retailer ), XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX  ( Finance ), XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX XXXX XXXX Auto XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Auto ), XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

I, XXXX XXXX XXXX, a avid consumer that knows my rights. On XXXX XXXX I recieved a collection letter from said party on behalf of XXXX trying to collect on a debt that I dont owe. Im not liable for any alleged debt & have sent me a collection statement without without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ). 15 USC 1692e ( 2 ) ( A ), 15 USC 1692b ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed my first XXXX XXXX breach settlement in 2019 each time the code I save to my contacts end up missing out contacts, my address magically disappears and slightly changes, the phone numbers Ive been sending in proof for the past 4 years never get updated, Ive put in countless days, hours, time even away from my kids traveling from city to city locally getting things printed out just for them to say they never received my proof with my Drivers License Social Security Cards Birth Certificates handwritten statements on whats fraud and wrong I always get a letter back saying they need the same information I already sent a total of 28 times just to this company alone. First class requiring a signature all of that and they tell me they still dont get me and kids information. Ive sent over {$5000.00} alone on just traveling back and forth to different agencies getting print outs, the cost to print copies not just for them for other creditors such as XXXX XXXX EXPERIAN XXXX XXXX XXXX, and like 6 other creditors, sending proof of false information tO DMV DHHS STATE ATTORNEY GENERAL OFFICE IN REGARDS TO MEDICAL DATA BREACHES ON ME AND MY KIDS INFO AND THE IRS, the gas,. The permanent mental damages emotionally and severe XXXX copies of bank statements copies from fraud student loans I never receive any settlement and Ive had 4 different claim numbers due to remotely somehow them being deleted or taking out my home. All behind someone spoofing and framing me for debt thats not mine. Ive reached out multiple times never get a response back.
Product: Debt collection

American Accounts Advisors had previous removed this account in 2014. It 's showing up again. Its not my account. I never signed anything with XXXX XXXX. Never needed their service never opened an account. This is now turned to collection harassment!
Product: Credit reporting

I have a written a letter to XXXX Customer Service, in XXXX XXXX, XXXX XXXX, on XXXX XXXX, 2016, explaining to them that there some misunderstanding on my loan number # XXXX, I paid this loan in the amount {$100000.00} this loan was paid in full by my XXXX XXXX in the amount of {$1000.00} for the entire amount, still they list my account as Negative for payment as if I had made any effort to pay it? What is honest man suppose to do when you pay your bills in the right way? I have enclosed evidence for this accout-SEE ATTACHED.
Product: Money transfer, virtual currency, or money service

I have reached out to cash app about a transaction that's unauthorized for {$1.00}, XXXX And they fail to investigate it because they trying to say it was successfully added to the account there's nothing can be done
Product: Debt collection

CEASE AND DESIST XX/XX/2024 XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ACCOUNT # : XXXX Dear XXXX XXXX XXXX, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY. 

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING. 

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL & FTC THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit on Experian website when it said that my XXXX account could not be accessed. I clicked and after seeing that the figures on the screen changed dramatically, I realized that I had linked my checking account or shared my data with Experian which is something I did not wish to do. 

So I tried to unlink it and was unable. 

An email from Experian would redirect me to XXXX and instructions on how to unlink, the third option after clicking on profile and settings was visit AccountSafe page. XXXX is theres no such XXXX page and no way to unlink. 

I spent time trying to figure it out and called XXXX where I waited on the phone for about half an hour. Then, waited to talk to a supervisor because the first advisor wanted to have me call the XXXX fraud department, which would have screwed up all my accounts and send me down a huge rabbit hole. 

But this is not fraud exactly but a trick to access your data under a phony pretext and then not be able to unlink Experian from your bank account. 

The XXXX supervisor XXXX also knew nothing about this gimmick and/or the lack of an XXXX page to unlink and called it credit journey. 

But nowhere on the page did it say credit journey. I just wished to unlink Experian to my personal data. 

This was accomplished through another means not the prescribed bank/Experian method. 

Its obvious the bank and Experian are in cahoots to hoodwink you into sharing your private information without any options. 

Although I was finally able to unlink, it took me an hour and I have also filed a complaint case # XXXX To what end I dont know. Its all rigged. Is it any wonder Americans are upset n I realize that the CFPB is not empowered to do anything at all about anything except take the banks money in political contributions, but this is so transparently a SCAM. Its my responsibility to go on record reporting it.
Product: Credit card or prepaid card

On 1/23/22, several fraud charges using Send and Split feature were posted on my AMEX  account. As soon as I saw these charges, I immediately called AMEX to inform them of fraud and that those transactions have not been authorized by me. Since XX/XX/XXXX I have called AMEX multiple times, i.e. XX/XX/XXXX, XX/XX/XXXX, etc. until last month because the amount has not been completely settled. I am still owed XXXX, and it has been painful to settle this issue with AMEX.

Please see the details below:
	        charges		                 reversalXX/XX/XXXXXXXX
XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX
XX/XX/XXXXXXXX XXXX
XX/XX/XXXX XXXX       XX/XX/XXXX	XXXXXX/XX/XXXX XXXX XXXX	
TOTAL     XXXX XXXX

I am hoping that you are able to assist me with this. Appreciate the support you can provide me. If you need additional information, please let me know.

Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXXXXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I contacted First Access Card about a late charge on my account on XX/XX/XXXX and told them to close my account because they are charging late fees monthly pulling money out of me. I was told my account would be closed. I received an email on XX/XX/XXXX about a payment due after I advised this company to close my account. I logged into the website and found that the account was still active and they charged another late fee after I said to close the account. I want the late fees refunded and the account closed immediately.
Product: Mortgage

We can not reach the company to pay the mortgage. We've had issues in the past with falling behind, but we always manage to get ahead again. We have fought this company about a handful of things. One being that my wife and I have tried getting my wife on the account since we signed the papers at the very beginning. We've tried mailing our 3rd party Auth forms to them, we've tried the over the phone method, and lastly we tried e-mailing them the forms. We've had 4 different people say they have received said forms, but here we are years later, and my wife is STILL NOT on the account to get financial information and make payments, etc. Secondly, the company advertises the " Call-back '' feature on their phone line, but when you opt-in, you never receive any call back from ANYONE at VC & I. We've had a foreclosure submitted by these guys, because they never return 6-months worth of phone calls to make the late and future payments. IF we need to get the emails, call logs, and other documents, we have all of them upon request. And lastly, the incompetent employees also are rude and very unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

FMC-OMAHA SERVICE CT Reported XXXX XXXX XXXX, 2021 {$30000.00} XXXX, XXXX Reported : XXXX XXXX, 2021 {$160.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, 2021 {$210.00} Needs Attention
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes with XXXX, and Trans Union, on multiple occasions and the bureaus keep reporting the account, XXXX XXXX # # XXXX as " correct, updated account. '' I filed a complaint the Consumer Financial Protection Bureau ( complaint # XXXX ) against XXXX XXXX, and they responded by stating, " The company responded that they are not the appropriate company to address your issue. '' Well if they are not the appropriate company to resolve my issues, then who is? I requested the bureaus to verify with the debt collector which is XXXX XXXX   that I owed this debt. If the credit bureaus were actually verifying that the information XXXX XXXX   was reporting back was accurate then why are they saying they are not the appropriate company to contact?

My credit reports from XXXX  and Transunion report as a charge off, not sold to anyone, only under the company XXXXXXXX XXXX! They are reporting that I owe {$5000.00} which I don't and they have never provided proof that I owed the debt. Apparently, based on their response to the CFPB this account is unverifiable and should have been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports shows a debt collection of {$93.00} from a company called The Law Offices of Mitchell D. Bluhm and Associates ( MBA law ). The debt was paid but there has not been any update reflecting on my report. I was told once I paid the settled amount of {$65.00} it would be removed from my credit report but that is not the case.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found that there are inaccurate accounts listed. I ask that you investigate each account lawfully and provide a detailed description of the investigation process. Under Section 15 USC 1681 ( 7 ). Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. The dates opened and closed on the following accounts are inaccurate and the amounts are inaccurate. You Can't provide the description of the investigation so remove these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

HARD INQUIRIES SHOWING ON XXXX THAT NEED TO BE REMOVED : JPMCB AUTO FINANCE XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$9700.00} Unknown Judgment 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Dismissed BankruptcyChapterXXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} Unknown Judgment 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. INQUIRIES : Name of Company Date of Inquiry Type of Business XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Banking I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Product: Credit reporting, credit repair services, or other personal consumer reports

Jpmcb has an inquiry from XX/XX/20 that I fraudulent!