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

The account for XXXX XXXX was closed and charge off on XX/XX/XXXX once the account is closed and charged off there is no more monthly payments to be made or to be late making the account is closed to all business transactions you can not be late in making payments because there is no monthly payment to be made here is prove of the charge off remove all late payments after XX/XX/XXXX remove the collection on the payment status as there letter states they charge off and then sold it they did not send to collections they sold account XX/XX/XXXX they should not be reporting any late or FP or charge off after XX/XX/XXXX
Product: Checking or savings account

There are several unauthorized ATM transactions on my Santander debit card. I tried resolving this over the phone but got disconnected. Im XXXX  so I have to use a relay service. Theyre not always the most reliable. I was able to order my replacement debit card but the claim wasnt filed because I was disconnected and couldnt get back through. So, here are the transactions I need to dispute. In addition to these, there are also many ATM fees associated with the fraudulent transactions. The fraudulent ATM transactions are XX/XX/2018 for {$800.00} and {$180.00} at XXXX XXXX. There are also two pending ATM transactions with a date of XX/XX/2018 for {$500.00} at XXXX XXXX  and {$33.00} at XXXX XXXX.
Product: Debt collection

The company called me several times they first off want you to just verify your address do n't tell you who they are which is a little scary secondly after finding out who they where collecting for and finding out I settled that debt with another collector on XXXX XXXX paying the settlement agreement amount of XXXX an finding out that they had all of this clearly documented in there system from the previous collector an that they still would n't stop contacting an Harrassing me with phone calls and now receiving mail I contacted XXXX which was company they were collecting for an they Said sold them the account and I was told that they did not resell them the account that they should close out the account if they have documention from the previous collector that I paid so I called back I spoke to a XXXX whom spoke over me whom advised I need to send in bank statement to show I paid which I 'm not comfortable doing as they have all of the information I paid an with fraud going around I do n't want my bank info being sent. The debt is off my credit report because I paid the settled agreed amount I just want the phone calls and letters from this company to stop they should n't have my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

aCCOUTN IN QUESTION : XXXX XXXX, Experian and XXXX Are reporting in correct information regarding a balance on my XXXX XXXX XXXX For the past four months i have called, written and files disputes in which they have all been closed stating nothing will be changes. 

When i opened the acct my initial amt on credit was XXXX I have never missed any payments and all three reports show paid on time each month but they never change the balance due according to what XXXX say they are reporting. 

XXXX has told me they report my balance and i need to take it uo with the credit bureaus. I sent ceritfied disputes at minimum i have copies of all of them and on the credit bureau sites you can see mulitple closed cases on this under disputes. 

MY BALANCE IS XXXX XXXX NO PAYMENT DUE UNTIL XX/XX/2023 100 % ON TIME PAYMENTS MADE EACH MONTH
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX XXXX XXXX Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to send me the requested documents and there has been a security breach in their system Please be advised that pursuant to Section 615 ( b ) of the Fair Credit Reporting Act I am entitled to request, and I hereby do so, full disclosure of the factual information disclosed to you by persons other than Consumer Reporting Agencies, so that I may refute, challenge or dispute its accuracy. The validation system ( XXXX ) does not do a lawful validation and verification. I request that a human validate my dispute under the penalty of perjury. 

I demand copies of every document that your agents use to validate the following collections that are reporting on my credit file without my authorization. I did not and do not give any of the following collection companies permission to have my personal information in their database. I do not give them permission to communicate with your company as a third party. I demand that your company destroy all information you have received from the following collection agencies unless you have an written authorization bearing my signature. Which I am requesting a physical copy of in this authorization. Which your company is required to have in your file. 

To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX XXXX XXXX. App. LEXIS 509. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is  validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Method of collecting the debt. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I originally filed a dispute regarding inaccurate information on my credit report through the CFPB portal on XX/XX/year>. This dispute was forwarded to Experian by the CFPB, and I expected a timely investigation as outlined under the Fair Credit Reporting Act ( FCRA ). 

Problem Description : Experian has claimed that they did not receive my dispute until XX/XX/year>, effectively resetting the 30-day investigation period outlined under the FCRA, specifically in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Experian now asserts that their investigation will be completed by XX/XX/year>. 

Notably, Experian has already updated my credit report on XX/XX/year>, reflecting remarks related to my dispute, yet they did not communicate these updates to me. This action contradicts their claimed timeline and further suggests that they had, in fact, received the dispute before XX/XX/XXXX. I believe this delay tactic restricts my right to demand a reinvestigation if the initial investigation does not adequately address my concerns.

Applicable Law and Violations : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) This provision of the FCRA requires that a credit reporting agency conduct an investigation within 30 days of receiving a dispute from a consumer. Experians claim that they only received the dispute on XX/XX/year>, conflicts with the CFPBs confirmation that my dispute was filed on XX/XX/year>. Additionally, their update on XX/XX/year>, shows action was taken on my report before they acknowledged receiving the dispute, which raises questions about compliance with this provision.

2. 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) Under this section, a consumer may dispute an item again if the initial investigation does not resolve the issue satisfactorily. XXXX delay could obstruct my ability to request a reinvestigation promptly.

3. 15 U.S.C. 1681s ( a ) ( 2 ) The FCRA requires credit reporting agencies to promptly notify consumers about the status and results of investigations. Experian updated my credit report on XX/XX/year>, but did not notify me of this update, potentially failing to meet this transparency requirement.
Product: Checking or savings account

XX/XX/2023 I received an email that my account was over draft to find out that a Merchant used an old debit card that I lost for payment. I lost my debit card and it is not the first time this year, I lost my debit card around XXXX times, I have a head injury and lose things at times, I am XXXX. I should not have to explain this however that is my XXXX issue, I should not be condemned for it. However PNC allowed a Merchant who had my old card use to pay for services as the account was no longer on hold. 

I gave the Merchant my card only for a deposit for {$50.00} and after I return the car I suppose to have the {$50.00} returned which the car is returned. PNC is now in an issue that they did not have to any business to be involve in however violated my rights to allow a Merchant to gain access to my account after my debit card was lost. Now I am in fear that other Merchants can do the same.

The PNC customer service manager called me last night as if I was a child and it made me so angry as she was passive aggressive speaking down to me. She was not empathtic to my needs however insenstive, stating, when we send you the documents please send it back to us in a childish tone. 

PNC bank has no business authorizing anything without my permission and when it was explain to me the hold was drop when I rent the car how you going to allow the Merchant to go into my account!! They changed the policies and rules ; and PNC bank is unethical,
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information appears on my credit file as a result of identity theft. I believe my ex husband, XXXX XXXX, has been using my identity to fraudulently obtain goods in my name. I have not had these credit cards or loans and I in no way benefitted from any of this money or credit accounts and they must be removed from my credit file as soon as possible as they are causing me harm. The following information is inaccurate and fraudulent and must be removed. 

Accounts : Discover FIN SVCS LLC Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$4900.00} XXXX XXXX   Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$18000.00} XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$16000.00} XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$12000.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX/XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX   Date : XX/XX/XXXX Please remove this offending information as it is inaccurate and causing myself and my family harm.
Product: Mortgage

I bought my home from XXXX, then they sold the loan to midland mortgage and my house payments started going up. No reason either the taxes were the same and the Insurance was the same. they claimed I missed a payment which I did not. Have proof of this then CoviXXXX hit. they had turned me in to the credit report co. my house payment was {$500.00} but after I tried to refinance my home is when I found out that they had destroyed my credit with lies. I then went to Credit repair to restore my credit. That's when midland mortgage told me the escrow was messed up and placed my payments at XXXX a month because they claimed I owe them. then put me into a forbearance that I never agree on. Credit repair found I had not missed any payments until thee Covid-19.I am XXXX  with XXXX XXXX and on a fixed income. I have tried to reason with these people but they will not help me in any manner.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX  Account Number : XXXX Reason for Dispute : The repossession status is inaccurate as the vehicle was redeemed. The late payments reported in XXXX and XXXX are also inaccurate. The late payments reported in XX/XX/XXXX to XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 90 days late ) are inaccurate.
Product: Credit card

Paid my payment on time and it was XXXX shorts. Instead of calling me to give me a chance to pay the missed XXXX dollars they hit me with a XXXX late fee. So my payment was XXXX, I paid XXXX 10 days early and since it was XXXX short they hit me with a XXXX late fee then a XXXX finance charge. 
I called them and asked them if I could pay the extra XXXX dollars and them reverse the fee and they said NO. I asked why no one called me to explain that I still owed XXXX and the lady could n't answer.
Product: Debt collection

Hello, I want to make you aware that a landlord is harassing me via debt collector, and this is now the second collector to try to collect on a debt that is not owed. The other agency dismisses XXXX XXXX XXXX  and will no longer do business with them due to their practice. 

I moved out in XX/XX/XXXX. I received a collection in XXXX XXXX. The agency went back to XXXX XXXX XXXX and asked for an itemized bill regarding their claim. They did not provide that information, so they stopped doing business on their behalf. Three months later, I received another debit collection notice from XXXX XXXX XXXX XXXX. The invoice claims payment due to the apartment not being cleaned. Per Illinois state law, they can not require payment for cleaning services. ( clean floors, swept balcony etc... ) I've contacted XXXX of the law and of the history of XXXX XXXX XXXX. If you know what government agency I can notify XXXX XXXX XXXX of their practices, I would like to report this harassment and disregard the state law.
Product: Credit card

I have purchased a XXXX pro on XX/XX/2021 which Ive requested to return on XX/XX/2021 in compliance with XXXX return policy. 
For me to be able to return it, XXXX issued me a XXXX prepaid return label with a tracking number : XXXX. XXXX attaching the return label that was issue to me as well. Unfortunately, over 120 days since the delivery have passed, so you wont be able to see the tracking anymore. 
Over the following month, I regularly chatted with XXXX to enquire about the status of my return. They always confirmed that according to their records, this showed as delivered to the warehouse and I just needed to wait for it to be processed. 
Towards end of the month o XX/XX/2021, my account was banned allegedly due to too many returns. After banning my account, XXXX never refunded me for my returned XXXX ( and the object on this dispute ). I was unable to contact XXXX by phone or chat to talk about this issue. Their representatives told me that the only way to talk about this issue would be through email. Attached is an example of an email Ive sent that I was never answered to.
Product: Mortgage

Seterus, Inc. has failed to remit my {$1500.00} escrow reimbursement within the 30 day post loan payoff period required by law. This is my second filing of a complaint against Seterus with the CFPB as your records will show that I have had other problems with this incredibly inept company. I paid the loan off on XX/XX/XXXX and have not received my check and it is now XX/XX/XXXX and I have had several phone calls with Seterus trying to get my money. They claimed they mailed a check on XX/XX/XXXX but I do not believe them as I have not received a check.Seterus should be fined and penalized for its incompetence and law breaking. XXXX should be alerted to its misconduct and should cancel its servicing agreement with Seterus.
Product: Credit reporting

Equifax is reporting student loans accounts multiple times as closed accounts, transferred accounts & delinquent accounts giving a false total as bad accounts. Their reporting caused my credit report to dive by XXXX points in 30 days. In truth, the following accounts have been deferred or transferred to a new company & are all in positive standing : XXXX Other account that appears as negative are the followings : XXXX : Has incomplete, incorrect and inaccuracy information. Never has been paid late and the report establish that was pays as agree. 
XXXX ; incomplete, incorrect and inaccuracy information. This was a secured account and is impossible that was paid late. The credit report established that was paid as agree.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is way too old to be on my report and has been dismissed. It should not be on my credit report. The company removed it from only 1 credit reporting agency. Please remove it from all credit reporting agencies. Equifax, XXXX and XXXX  need to be notified. Its been an unreasonable amount of time. Its an uncollectable debt. I am currently also financially impacted by the covid19 disaster and florida hurricane ian and nicole. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and XXXX  complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for XXXX XXXX. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center in Colorado must all suffer from it. Especially the females who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. Equifax, XXXX and XXXX should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you. Please provide your companies legal addresses as well for my demand letters, subpoenas and attorneys correspondences. I can not speak on phone due to a XXXX so please note this and respond by hard copy mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a complaint to XXXX, Equifax, XXXX about fraudulent activity on my credit report and I was never notified about the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

For the last 3 months I have been charged a Past Due Fee and for months before. I would be late by an hour or hours or even 1 day. Capital One can not waive multiple fees even though my account is in good standing. They have waived 1 month out of the x theyve charged.
Product: Credit reporting

I have been disputing XXXX separate accounts with Equifax for more than 4 months. I have provided Equifax information from the original creditors validating my dispute and showing the accounts should be deleted and are being reported incorrectly. XXXX continues to claim they validate the accounts as being reported correctly. I even took XXXX XXXX to court in XXXX XXXX Missouri on XXXX XXXX, XXXX thinking that it was XXXX XXXX that was mistakenly reporting XXXX of the accounts but learned that Equifax is the only bureau that reports an open XXXX XXXX collection account. None of the other credit bureaus report a XXXX XXXX account at all. XXXX XXXX even sent me a certified letter from their legal department stating that I must quit contacting them to dispute the account because they have provided the credit bureaus with all information needed for the account to be removed and that I should direct all future disputes with the credit bureau reporting the account. I have provided the letter to Equifax and they claim to have investigated the account and determined that the account will remain on my record for 7 years even though it is not my account. 

The other account is a paid insurance settlement account that was paid in full XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX but later changed to XXXX XXXX XXXX. I spoke to the people at XXXX who provided me with a paid in full letter and said they would notify the bureaus that the account would be removed. Equifax has claimed multiple times to have verified this account as an open collection with a {$34000.00} balance and will remain on record until XXXX XXXX. I have disputed this account more than a dozen times. XXXX says that the dates and balance information must have been mixed up during the new ownership/name change. Again, Equifax is the only credit bureau reporting either of these XXXX accounts. XXXX, XXXX, and XXXX do not report a XXXX XXXX or XXXX XXXX XXXX XXXX account on my credit reports.
Product: Credit reporting or other personal consumer reports

My recent credit report shows some mistakes involving late payments, which are inconsistent with my regular payment record. I request that these inaccuracies be corrected. Thank you!