23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made a purchase that I believed to be on my debit card with XXXX on XX/XX/2017 that was charged to my XXXX XXXX credit card instead. 

XXXX had switched cards between companys so no records of any debt were on my online account and no bills were sent to me. XXXX if there was any issue had the ability fo notify of any debits, but, likely due to inefficiencies did not until 3 months later where I was notified of a statement. Seems odd that they would not notify me earlier if there were any debts. 

This statment initially showed a dead, no balance account, as was shown when I checked in with XXXX in early XXXX. 

Despite this XXXX 's attacked my credit rating, has refused to correct the misreporting, and had penalized me in fees ( which I paid to stop the credit damage from them ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MADE MANY ATTEMPTS TO CONTACT YOUR OFFICE REGARDING BALANCE DISPUTES. I CAN NOT EEVEN APPLY ONLINE BECAUSE IT STATES I HAVE TO CALL. WHEN I FINALLY GET THRU YOUR AUTOMATED SERVISE WHICH TAKES SO LONG TO SPEAK WITH SOMEONE AND TRY TO SPEAK WITH THE DISPUTE DEPARTMENT YOUR COMPANY HAS THE NERVE TO TRANSFER ME TO A DIFFERENT DEPARTMENT WHICH I CAN NEVER SPEAK TO SOMEONE THERE. I HAVE REPORTED THIS TO THE FTC, CFPB, XXXX, AND THE ATTORNEY GENERALS OFFICE FOR YOUR COMPANY MAKING IT SO DIFFICULT TO FIX MY CREDIT REPORT. 
THIS IS THE ACCOUNT : XXXX XXXX XXXX -BALANCE SHOULD BE XXXX ALSO REGARDING MY PENDING COMPLAINT EXPERIAN STILL HAS NOT RESOLVED THE XXXX  COMPALINT AND BOTH OF THEE COMPLAINTS ARE AN ON GOING PROBLEM FOR MONTHS.
Product: Checking or savings account

I wrote two checks to XXXX department of finance to pay for taxes on two properties I own. The checks were mailed out, they were stolen while in transit. The " pay to the order of '' portion was altered, the checks weren't meant to be endorsed to that individual and the checks were cashed illegally. I was not contacted through out the process and the bank it stated although it is fraud its not in their hands.
Product: Credit reporting or other personal consumer reports

Card had XXXX balance and I was just going to cancel it but I didnt and I pay the fee of XXXX and they said it was late and sent a negative report to the credit bureau over {$1.00} so then I used the card and bought airline tickets, meanwhile they sent another negative report again, I spoke to several people over the phone about this to no avail, so I paid off the card and closed the account. I work hard to keep my credit score in excellent standing now my credit score has been downgraded over XXXX points. I just wanted them to right the wrong, this card had a XXXX limit I am shocked and very mad about this. 
Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Disputes Address XXXX XXXX XXXX XXXX : Credit Dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX Act : XXXX - Letter of Explanation - SS of Credit Charts XXXX Report # : XXXX Date Generated XX/XX/XXXX I just confirmed today, XX/XX/XXXX, with the collections dept at XXXX XXXX that the dispute results above were inaccurate. After my XXXX XXXX XXXX was totaled in a car wreck in XX/XX/XXXX, my car insurance wrote a full check to pay off the balance of the car & then I leased a new XXXX XXXX. I do not owe XXXX any funds. Nor should this be reporting on my credit at all. The acct was closed and paid in full at the time of my accident in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

My debt with XXXX XXXX was settled through National Credit Systems debt collection agency. They have failed to remove the debt from my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item re-investigated. The inaccuracies are highly injuries to my credit score. 

XXXX XXXX XXXX ( Account Number : XXXX ) In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title IV, Section 611, please provide the names and business addresses of each individual with whom you verified above. So I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

Hello, A XXXX  worker has stolen my identity with documentation that is a false diagnosis. He is sabotaging my accounts, returning payments and maxing out my credit cards. He is trying to give me fake balances, he has stolen all debit cards and credit cards. He has become a severe threat to my identity. 

XXXX XXXX XXXX XXXX XXXX : {$390.00} Returned loan payment Navy Federal Credit Union- Debit card changes/ Bank Stalking
Product: Debt collection

I moved out of my old apartment ( TXXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, MD ) on XX/XX/XXXX, and did the walk thru on XX/XX/20. I received an email from the leasing company XXXX XXXX XXXX XXXX XXXX in XXXX, stating I owed {$200.00} for damages. The email did not indicate how to pay this amount. 

Ive never received any other correspondence about this amount, via email, regular mail, or voicemail. I checked my credit report this week and found that this debt was referred to a collections agency in XXXX and now affects my credit. I have not received any correspondence from the collections agency.
Product: Credit reporting or other personal consumer reports

During the year of XXXX we did a refinance to buy down the interest rate in our mortgage with XXXX XXXX XXXX. When the final numbers had been calculated I noticed that the numbers seemed to be low. I called XXXX the loan officer with XXXX, and I asked her if she had added the property tax and home insurance, and her response was yes. When we got the first bill, I had my wife call and ask if these new payments are temporary is it going to go up, and the answer was no it was not and representative had my wife look up the future payments, so she did, and the payments were the same till XX/XX/XXXX. In XXXX of XXXX we get our XXXX bill, and it was for more than XXXX dollars. We called and no one could tell us what the extra fees added came from. Some of the representatives would say that it was something the bank paid, and they wanted the money now. We sent our XXXX payment disputing the remaining amount until someone could tell us what they are for. Through the month of XXXX, we kept calling and asking for a supervisor to call us back or anyone else who can explain what the extra fee are for. Then on XX/XX/XXXX, I spoke to a XXXX who asked me if I felt that my escrow was incorrect and asked me to fax her over the property tax statement and the homeowner 's insurance statement. So, I did, and I never got a call back or any kind of response so on XXXX of XXXX I filed a complaint with this agency and within three days I received a call from a XXXX XXXX from XXXX management team. XXXX began her investigation and out that I had been trying to prevent this happening, but she could not find the communication between myself and XXXX the loan officer because she was no longer with the company, and of course that included the underwriter who also failed to see that the property tax and home insurance was not added. XXXX manages to work out a deal and they ended up apologizing what I know I assume to be Mr. Cooper for not knowing how to provide us with the correct information. Yesterday XX/XX/XXXX, I received a call from an advocate of XXXX XXXX, named XXXX at # XXXX EXT XXXX, who stated that who we had been talking to in XXXX and XXXX of XXXX, was the Mr. Cooper call center. This is why I have decided to do this file this complaint against Mr. Cooper for lack of communication and knowledge and training because this was a mistake caused by XXXX the loan office of XXXX XXXX and now Mr. Cooper for not handling this matter on a timely manner. This matter damaged our credit and made us look irresponsible when I took pride on making my payments. Today we are in desperate need of a equity loan we we are hostage to this situation for at least six more years.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, declare that I am a victim of identity theft. Unauthorized accounts and transactions have been made in my name without my knowledge or consent. I XXXX became aware of this fraudulent activity on XX/XX/XXXX. These accounts have negatively impacted my credit and financial standing. 
I affirm that I did not authorize these accounts, transactions, or activity, nor did I receive any benefit from them. I have taken steps to address this matter, including filing a police report and disputing the unauthorized accounts with the relevant institutions and credit bureaus. 
Given the significant impact of this theft on my credit, I requested removal of these fraudulent entries : XXXX XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Revolving Account Loan Type CREDIT CARD Balance {$1600.00} XXXX XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone ( XXXX ) XXXX Date Opened XXXX Account Type Revolving Account Loan Type CREDIT CARD Balance {$1300.00} XXXX XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone ( XXXX XXXX XXXX Monthly Date Opened XX/XX/XXXX balance of {$35000.00} XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Type CREDIT CARD Balance {$11000.00} XXXX XXXX XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX XXXXXXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX AL XXXX Phone ( XXXX ) XXXX balance {$18000.00} XXXX XXXX XXXX  XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Loan Type XXXX  XXXX XXXX  Balance {$35000.00} Thank you for addressing this matter urgently within the XXXX-day period requested. Please feel free to contact me at XXXX or via email at XXXX should you require any additional information.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS COMPROMISED IN THE EQUIFAX DATA BREACH. SINCE THEN I HAVE HAD ACCOUNTS APPEAR ON MY EQUIFAX CREDIT FILE WHICH I DID NOT GIVE PERMISSION TO EQUIFAX OR ACCOUNT HOLDERS TO APPEAR ON MY FILE OR HAVE ACCESS TO MY PERSONAL INFORMATION. EQUIFAX HAS REFUSED TO BLOCK THIS ITEM THAT I HAD REQUESTED TO BLOCK O MULTIPLE OCCASIONS. I HAVE SENT EQUIFAX ALL SUPPORTING DOCUMENTATION BUT EQUIFAX IS MAKING DECISIONS ABOUT MY PERSONAL CREDIT FILE THAT I DO NOT CONSENT TO BY ALLOWING THESE COMPANIES TO KEEP REPORTING EVEN AFTER I REQUESTED ALL REPORTING CEASE BECAUSE OF IDENTITY THEFT. 
THE FOLLOWING ACCOUNT I AM NOT LIABLE FOR AND NEVER GAVE PERMISSION TO FURNISH THIS ACCOUNT WITH CREDITOR OR EQUIFAX : XXXX XXXX XXXX,. XXXX - XXXX XXXX- AS IT APPEARS ON EQUIFAX CREDIT REPORT PLEASE BLOCK THIS ITEM AND ANY ACCOUNT AFFLIATED WITH THIS ACCOUNT HOLDER. I DID NOT GIVE PERMSSION TO ACCOUNT HOLDER TO FURNISH ACCOUNT OR ACCESS EQUIFAX CREDIT XXXXXXXX HAS ALSO DENIED MY MULTIPLE REQUESTS FOR A METHOD OF VERIFICATION FOR THIS ITEM
Product: Debt collection

I traveled over seas and somehow my credit card information was compromised. I was not aware of the transactions until I returned to the United States due to the lack of internet service. I contacted capital one on many occasions trying to resolve the issues but I am unable to get the assistance I need. I have attached documents filed for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late three times. There was definitely an error on their part. I was never three times 30 days late.
Product: Money transfer, virtual currency, or money service

From the very begining I could not use money people sent to me for anything. But I was using the service to pay frinds, family and small businesses primarily so I didn't really care. 

Eventually the sum of people sent me was over {$250.00} so I tried to transfer it to an online savings account. As soon as I tried to transfer they suspended my account. That was over two months ago. They then asked for a copy of my drivers license. I did not feel comfortable giving them that info so I just stopped using their service and said goodbye to the $ XXXX balance. 

Now, I have a friend who can only accept Venmo. So I uploaded my drivers license but I've heard nothing. At this point I think they are running a scam. 

Please look into thes shady business practices. Thanks.
Product: Credit reporting or other personal consumer reports

I woke up this morning and saw inaccurate accounts on my credit report. I am completely confused and desperate to understand how this could happen. Ive checked my credit report often without any problems, but this time, there are unexplained errors. I refreshed my browser several times, hoping it was a mistake, but the inaccuracies remained. Please, I need someone to carefully review the documents I sent so I dont have to live with this constant fear anymore.
Product: Mortgage

In XX/XX/2021, I submitted a Cashier 's Check ( $ XXXX ) to payoff the debt with BMO Harris and yet to receive a Lien Release Letter. I've reached out through email in XX/XX/2021 and received an apology and promise to resolve matter. Now we are in XX/XX/2021 and no resolution. 

After learning that the lien is on my property 's title on XX/XX/2021, I called Harris bank to inquiry on the matter. It went from you owe us money to we will have a letter to you in 72 hours and promise to escalate the process. After 72 hours has gone by, I haven't received the letter, constant back and forward with phone representative, then I decided to go speak with a branch manager, which didn't get me the letter that I requested. Only explained that the letter is at recorder 's of deeds. Contacted Recorders of Deed, nothing is found. Today, I'm being told that its going to take 10 weeks to get the letter of release. 
This type of action is unacceptable and has caused an inconvenience. They make promise and don't follow through. The fact of the matter, I sent the payment back in XXXX and I am getting the running around to get the required document that should have been in the system, if it take 10 weeks. Just for Harris Bank neglecting to process my payment in adequate amount of time this lean release letter should be in my hands today. 
I need help getting this matter resolve immediately!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurate information. I have a late payment on my account that was in fact, paid on time. Equifax is reporting the payment made on XX/XX/2024 as 60 days late. XXXX and XXXX are reporting the same exact account as 30 days late on XX/XX/2024. The consumer reporting agencies have an obligation to report all information with complete accuracy. This account has not been late on payments. Ive attached copies of my credit report to this complaint on XX/XX/2024. I am requesting that you investigate this account and update this payment to paid on time. Thank you for your understanding and prompt action.
Product: Debt collection

RE : XXXX To whom it may concern, I am requesting validation of this alleged debt, please supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 
XXXX. What is your authorization of law for your collection of information? 
XXXX. What is your authorization of law for you collection of this alleged debt? 
XXXX. Please send evidence your authorization to do business or operate in the state of Louisiana. 
XXXX. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have XXXX  ( XXXX ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & fair Debt Practices Act 15 U.S.C. 1692 United Collections Bureau Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX, XXXX XXXX, XXXX Bank XXXX ) XXXX 5 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692 Section 805 A states : A debt collector may not communicate with a consumer in connection with the collection at any unusual time or place, or a time or place known or which should be known to be inconvenient to the consumer. 

15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging in person in a telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : XXXX  days late as of XXXX XXXX XXXX days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am personally handling this complaint and there are no third parties involved. Enclosed are letters that explain the inaccuracies reported on my credit report. The information from Transunion, XXXX, and XXXX is incorrect, inconsistent, and outdated.
Product: Debt collection

On XX/XX/2021, I sent a certified letter with return receipt to Commercial Acceptance asking for validation of an alleged debt they have been reporting to credit reporting agencies in the amount of {$980.00}. 

The letter was signed for by Who I would assume to be a representative of Commercial Acceptance on XX/XX/2021. 

The Requested information from Commercial Acceptance included : 1. Proof that I have or ever had any contractual obligations to pay Commercial Acceptance for this alleged debt. 
2. Proof that Commercial Acceptance owned this alleged debt and had the right to collect on it. 
3. A copy of the original bill as my insurer at the time, with which I had 100 % coverage of any and all medical procedures, required a copy of the original bill to A. Verify this was my bill, and B. Compare it to their records to determine if they had already paid the original creditor Commercial Acceptance chose to completely ignore my validation of debt request and did not send any of the requested information to validate this alleged debt. 

Another certified letter with return receipt was sent to Commercial Acceptance on XX/XX/2021. It was signed for XX/XX/2021. 

This letter requested that, because Commercial Acceptance did not send any response to the debt validation letter, that Commercial Acceptance : A. Immediately Stop reporting this alleged debt to any and all Credit Reporting Agencies B. Immediately request the deletion of this alleged debt from any and all Credit Reporting agencies to which Commercial Acceptance had reported this alleged debt. 

As of XX/XX/2021, Commercial Acceptance is continuing to report this debt to XXXX, XXXX, and XXXX agencies and has not requested that this alleged debt be removed from my file with these agencies. 
It is a violation of the FCRA as well as my consumer rights to report inaccurate or fraudulent information to any credit reporting agencies.