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

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit card or prepaid card

I just opened a account a few months ago. I never received a bill/statement for the {$50.00} annual fee. I did receive my card but never activated it. The company closed it with out notice and will not reactive. Was told just to reapply. Was also told that I never paid their fee. When I call they told me I should have received a paper statement as well as a phone call. Which of course I have never received. I have not missed a payment on any of my cards in 16 years. I have another account with Chase and I have never missed a payment or been late. It is very unlikely that I would have not paid this account if I would have received a statement of some type Yet, they are refusing to activate the account, even when I offered to pay the annual fee same day as well as the their " late '' fees that accrued. They will only reactive if it was a bank error which I believe that it is. Chase refused to work with me on my accounts.
Product: Debt collection

I recently applied for credit and discovered that I had been sent to XXXX XXXX XXXX XXXX XXXX out of XXXX, Florida for what was originally {$86.00} and now an {$87.00} debt. 

I was never advised nor given the opportunity to dispute the medical claim which XXXX  records reflect was assigned back on XX/XX/XXXX and the first day of delinquecy was XX/XX/XXXX. 

I have disputed this dept via XXXX and they advised me that XXXX XXXX XXXX XXXX sustain the debt because the " name and address provided are still the same ''. 

I am attaching a copy of the written letter of dispute being sent via certified return receipt requested. 

Furthermore, in the state of Florida, the Statute of Limitations for a written contract is five years XXXX ( 2 ) ( b ).
Product: Debt collection

This illegal communication occurred toda y (    XXXX   XXXX    2017 ) . Other than the date, this complaint is identical to : Complaint number :  XXXX  submitted to CFPB :  XX/XX/2017    -- -- -- -- -- -- -- - Received a call on my mobile phone from a local number I did not recognize (  XXXX  ) and let it go to voicemail. The voicemail revealed it to be a " robocall '' and the transcript of that message is as follows : " This message is intended for  XXXX   XXXX   XXXX . [ sic ] I 'm calling regarding some pending complaints here that 's been filed in our offi ce. Press 1 now  to speak with a live agent or to contact our office at a more convenient time please dial  XXXX . Thank you in advance for your cooperation. '' According to information found online this number i s Miller Stark Klein & Associates  ( http : //millerstarkklein.com/ ), a debt collection firm. I have not had any business dealings with this firm. Further, I have no debt which could be legally collected. Their statement about " pending complaints '' seems to indicate a pending legal action.
Product: Checking or savings account

JPMorgan Chase refuses to offer refunds for access to funds. I transferred money from my savings account and they charged {$5.00}. Reg D was removed in 2020, so this fee structure is now predatory. I understand the fee is small in size, but the fact that theyre charging fees for access to money is uncalled for and with no warning. Their response was that they would not be able to help and would no longer respond after two messages.
Product: Debt collection

COLLECTION AGENCIES DEMAND PAYMENT ON ACCOUNTS OUTDATED PAST STATE OF CALIFORNIA STATUE OF LIMITATION 4YRS OPEN ENDED/ CREDIT CARD ACCOUNTS ... SINCE XXXX XXXX, 2015 OVER 5YRS OLD AND NOT MY ACCOUNTS/ NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX/ CXXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX
Product: Debt collection

More accurately, they attempted to collect debts that have either already been paid or are not owed. The collection agency drafted a Notice of Lien against my condo unit on XX/XX/2021. To date, the notice has not been filed with XXXX XXXX, where I live. The Fair Debt Collections Practices Act prevents collectors from making : Threats to do things that can not legally be done, or threats to do things that the debt collector has no intention of doing I have several reasons why this Notice of Lien can not be filed. Those being : Article VI, Section ( c ) ( i ) of my condominium 's bylaws states violations are to be sent by certified mail. They sent this notice by first class mail. 
In order for a document to be eligible for recording with the XXXX County Register of Deeds, The Total value of real property must be stated on the face of the document or the affidavit attached ( MCLA 207.504 ) The name and address of the grantee must appear that convey or encumber real estate. ( MCLA 565.201 Sec 1-A, D ) MCL 559.208 ( 3 ) ( b ) of the Michigan Condominium Act sets forth the pre-foreclosure notice requirements, one of those requirements stating that " The notice of lien SHALL BE IN RECORDABLE FORM, executed by an authorized representative of the association of co-owners and may contain other information that the association of co-owners considers appropriate. '' The Act also goes on to state in part ( c ) that the notice shall be recorded in the office of the register of deeds in the county in which the condominium project is located and shall be served upon the delinquent co-owner by mail. XXXX only satisfied the second half of the preceding sentence by serving me by first class mail as this document is not recorded in the XXXX XXXX Register of Deeds The notice, as it stands, can not be recorded with the county, thus violating a requirement of the Michigan Condominium Act and thus violating the FDCPA by making a threat to do something that can not legally be done. I also assert they had no intention to file the notice by virtue of when the document is dated and the fact there is no Notice of Lien on file with the XXXX XXXX Register of Deeds ( ocmideeds.com ) for my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent out reports to the credit bureaus they verify accounts was factural, but accounts showing incorrect open dates, reported dates, active dates. 

If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified the consumer reporting agency shall, promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation.
Product: Mortgage

Our mortgage loan was bought by PNC XXXX  years ago. After paying {$5100.00} towards my mortgage balance of {$5100.00} I have through PNC, Statements show I still owe {$380.00}. After discussing this with several PNC representatives, no-one seems to know what the XXXX dollars is for except that I need to pay it. 

My calculations show I owe PNC XXXX XXXX. I worked very hard and made so many sacrifices to get to this point. 

Please assist.
Product: Credit reporting or other personal consumer reports

I had tried reaching out because I noticed things I didnt recognize on my report after receiving a letter in the mail from XXXX XXXXXXXX in XXXX I noticed this and I was thinking Ive never worked in XXXX XXXXXXXX all to even claim XXXXt so I started looking into my report and noticed things reached out asking to be looked into and things didnt change or sent to me to show me
Product: Credit reporting or other personal consumer reports

Re : Demand for Deletion of Unvalidated Debt ( Account # : XXXX ) To Whom It May Concern, I am writing to demand the immediate removal of a debt item listed on my credit report by XXXX XXXX XXXX, which has failed to be validated as required by the Fair Debt Collection Practices Act ( FDCPA ). 
Per my rights under the FDCPA, particularly sections 809 ( a ) and 809 ( b ), I sent a certified letter to XXXX XXXX XXXX that was received at XXXXXXXX XXXX on XX/XX/2023, requesting comprehensive validation of the referenced debt. This letter explicitly demanded the following : XXXX. A complete and itemized statement of the alleged debt, including the original contract or agreement. 
XXXX. Proof of XXXX XXXX XXXX 's authority to collect this debt, including evidence of the assignment or purchase of the debt. 
XXXX. Detailed account activity, including the date of last payment or charge. 
As of today, XXXX XXXX XXXX has not provided any of the requested information. This failure constitutes non-compliance with the FDCPA, which states that a debt collector must cease collection efforts until they have provided adequate validation of the debt when requested by the consumer. 
In light of their inability to validate this debt, I assert that its continued presence on my credit report is unwarranted and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that only accurate and verified information be reported. Unvalidated debts fall short of this standard. 
Therefore, I demand the following immediate actions : XXXX. The complete and permanent removal of this unvalidated debt from my credit report. 
XXXX. Written confirmation of the debts removal and an updated copy of my credit report upon completion. 
Failure to act on this demand may compel me to take further action, including seeking legal counsel for potential violations of the FCRA and FDCPA. 
Please treat this matter with the urgency and seriousness it deserves. I expect a written response confirming the deletion of this item within 30 days. If the collector claims that the file was sent, please provide proof of delivery such as tracking number.
Product: Credit card

I 'm experiencing a hard time with Citi Bank. Citi Bank had a promotion in XX/XX/XXXX, which was Citi XXXX Access More credit card. They advertised that if you apply this credit card with Citi, then buy a phone at XXXX and spent {$2000.00} within XXXX months, then Citi Bank will give you a {$650.00} credit. I applied the credit card and got approved on Citi website, and follow the link to purchase a phone then got re-directed to XXXX website, then placed the order and received confirmation email on XXXX/XXXX/2015. Then XXXX emailed and let me go to their local store and get my identification verified, so I went and got the phone at their local store. Then I started to spend money with that credit card, by XXXX/XXXX/15 I had already spent {$2000.00}. I called Citi customer service on XXXX/XXXX/15 and asked if I need to fax or submit anything to get the {$650.00} credit as they said in advertisement, the representative said no and she had seen all the transactions and I was qualified so I should see the credit on that billing cycle. I did and I did n't see the credit. I called again on XXXX/XXXX/15, talked to an account manager called XXXX in XXXX office, she checked and said I would have the credit on my account on the next business day. I waited again, but disappointed again. I called on XXXX/XXXX/2015 again, and requested to speak to XXXX, got refused by the representative, and she told me I had to fax them the purchase receipt of the phone and I should have the credit on my account in 5 business days. All right, as long as you give me the credit, I did fax the receipt to them on XXXX/XXXX/15. Unfortunately, I did n't see the credit by then. I called again on XXXX/XXXX/2015, this time another account manager called XXXX in XXXX office spoke to me and said I was not qualified since I did n't buy the phone through the link. I told her I did, I followed the link and placed the order and read the email from XXXX Then she said since I just faxed the receipt, it would take another XXXX billing cycle to see the {$650.00}. And she lied that someone from XXXX office had contacted today regarding this, actually nobody from Citi Bank had ever contacted me even though they promised that someone would call me every time. I paid all my balance, I just need my {$650.00} credit back. If people have overdue payment with Citi Bank, they will charge them a high interest, how about this?
Product: Payday loan, title loan, personal loan, or advance loan

Told I owed {$1600.00}. I have no note of such loan. No date of when loan was taken on notice sent. I need a written validation notice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, Equifax has clearly violated my rights under the FCRA as consumer. 
XXXX ACCOUNT # XXXX was disputed and deleted through the Consumer Finance Protection Bureau. Equifax has re-inserted this account back on my credit report without notifying me.

Under 15 USC ( B ) REQUIREMENTS RELATING TO REINSERTION OF PREVIOUSLY DELETED MATERIAL ( I ) Certification of accuracy of information if any information is deleted from a consumers file pursuant to sub paragraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( II ) NOTICE TO CONSUMER If any information that has been deleted from a consumers file pursuant to sub paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( C ) PROCEDURES TO PREVENT REAPPEARANCE A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with sub paragraph ( B ) ( i ) ). 

Equifax has failed to protect my rights as a consumer. Equifax has failed to contact me 5 days before re-insertion. 

DELETE this XXXX  ACCOUNT # XXXX from my consumer report. This agency is in violation of 15 USC 1681 ( i ).

Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character.

2. Negligent Enablement of Identity Fraud.

3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n .

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX BALANCED {$12000.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX BALANCED {$8100.00}
Product: Credit card or prepaid card

I submitted a balance transfer with Citi cards on XX/XX/XXXX, after clarifying the terms with a representative that I would need to pay off all other purchases except the balance transfer amount to avoid interest. I paid {$160.00} to do this balance transfer. 

I have just received my XXXX bill where I was charged interest of {$76.00} and I am now being told that I would need to pay off the entire balance transfer as well to avoid interest. I would not have done the balance transfer if I knew these were the terms.
Product: Credit reporting

This public record is more than seven years old and is not mine. It is with Equifax and I can not seem to get it removed. I keep getting the run around. The account is with Unifund for the total {$16000.00} of Public Record Details Docket Number with XXXX XXXX, TN XXXX Court Status Pending Amount {$16000.00}. 
I need to have them remove it from Equifax immediately.
Product: Credit card or prepaid card

XX/XX/XXXX Called American Express to get an account number for Delta Gold Card. Account was closed in XX/XX/XXXX at my request due to annual fee and high interest rate. 
Joined a debt management program in XX/XX/XXXX and wanted to include the Delta Gold Card - American ExpressXXXX was told by consultant that card number could not be given over the phone and she would have a supervisor return my call. No call was received. 
Called again in the month of XXXX and was told I was given incorrect information and that the only way I could get the account number is if the account is reinstated and I would have to reapply. I did. Account was not reopen, not surprised because they knew I wanted to add it to a debt management program.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE HAVE BEEN TONS OF UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND SEVERAL MORE I HAVE DISPUTED THESE ON SEVERAL OCCASSIONS AND AND HAVE BEEN DENIED BY THE CREDIT BUREAU BECAUSE AFTER CONTACTING THE COMPANY ITSELF THEY HAVE TOLD ME THAT THEY HAVE AUTHORIZED THE CREDIT BUREAUS TO REMOVE THE INQUIRY WHICH THEY HAVE NOT.
Product: Checking or savings account

On XX/XX/year> an ATM deposit of 6 checks was attempted to be made at a Chase Bank location. at XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX for a total of {$2100.00} ; that consisted of three checks from XXXX XXXX XXXX XXXX for {$0.00} each, two checks from XXXX XXXXXXXX XXXX XXXXXXXX for {$0.00} each and one check XXXX XXXX for {$2100.00}. 

During the transaction, the ATM malfunctioned, and instead of depositing the six ( 6 ) checks and crediting them to my account, it shut down and displayed a message that the ATM was not working currently, and kept the checks I was trying to deposit, saying I needed to call XXXX to " be sure my deposit went through. '' Called into the above tx number to open a dispute soon after this issue. The first representative failed to compete the dispute and provide a claim number before disconnecting the call. After calling back and getting a claim number from a second representative, I was told that a temporary credit would be placed into my account for the missing amount of the deposit, and that when the branch opened the missing deposit would be investigated. 

Calling back on Monday, after no correspondence to my account, nor the temporary deposit being placed into my account, it took being transferred 4 more times on my third call before someone at Chase even attempted to post a temporary credit.
Product: Checking or savings account

Received a debit card from m & t bank with my name and address on it. I never opened this account. When I called on the phone, my social security number was also attached to this account.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and Equifax credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Account Balance : {$32000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To all of the below mentioned companies Ive sent letters and attempted contact with them for illegal possession and use of my report. They have refused to delete the inquiries using a dealership as a scapegoat Ive never heard of in my life. Not only this XXXX  started a new trial membership under my name with my email address for a car I never owned. But once they realized I already had XXXX  and didnt own any new car they quickly deleted the trial and new membership but these creditors mentioned below rather harm my score with unknown inquiries then do the same. 

XX/XX/2019 XXXX XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX   XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX  XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX  XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX  XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX
Product: Mortgage

I called Owning Corporation at XXXX XXXX XXXX XXXX on Wednesday, XX/XX/20 to inquire about a 30yr cash-out refinance. Phone conversation took place at XXXX PST for 3 minutes with an agent named XXXX . He asked me basic loan questions but the conversation didnt last long. When I stated my husband was self employed, XXXX told me ( not verbatim ) that due to everything happening with COVID, they were not accepting self employed applicants. He asked me if my husband owned 25 % + of the company, I answered yes. He then repeated what he said before and said they are only looking at applicants with W-2s. XXXX said he wasnt sure when they would open up to all. It could be a week from now or longer but said he would call me. The phone call ended with no interest rate quote or loan application. 
Im filing this complaint because Owning Corporation violated ECOA. We were not given an opportunity to apply for a refinance. We were blatantly discriminated against due to my husbands self employed status. We were prematurely turned away only because of his employment status.
Product: Credit card

Had CC debt that was not being paid in XXXX XXXX. Chase charged off debt in XXXX. Issued a 1099 C in XXXX to IRS, sent XXXX to me at wrong address noted on 1099C. IRS contacted me I XXXX XXXX stating error on XXXX tax return and are demanding {$1600.00} payment immediately.