23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is for a XXXX XXXX account that I do not have any knowledge of. I've contacted them on numerous occasions over the years to have this account deleted. I've provided vehicle and address proof in which they could not locate my file. It was placed in 2015 and I provided a list of the vehicles I've owned during that time period. Please help to get this situation resolved.
Product: Consumer Loan

Greensky pulled my credit report twice leaving XXXX inquiries on my credit report for the same loan. This happened in XXXX XXXX and again in XXXX XXXX. 

When the contractor XXXX fell behind schedule and was not able to get the project completed in time they took it upon themselves to close the first loan, RUN MY CREDIT report again and then open a whole new loan in order to accommodate the contractor. At the same time the Contractor decided to pull my credit report as well leaving another hard inquiry on my credit report. ALL of this happened without notifying me, my prior approval, or permission. 

These additional credit inquiries have caused me financial harm and an through no fault of my own prevented me from getting a much needed loan from XXXX XXXX. XXXX XXXX cited " too many credit inquiries '' as the reason for denying me a line of credit.
Product: Credit card

I had automatic payments set up on the account to clear the full account balance monthly. I recently closed the checking account associated with the automatic payments scheme, but I had paid off multiple statements through my new checking account preempting the automatic payments. In XXXX, I did not preemptively pay off the full balance, and Discover tried to charge my closed account. Because the charge to my closed checking account was declined, they charged me a {$30.00} returned check charge, a {$50.00} ACH PAYMENT ADJUSTMENT, and a {$520.00} returned internet payment charge. This charge seems unreasonable, because I have maintained the credit card account with Discover without missing a payment, and Discover had another account on file that I had paid off recent statements in full.
Product: Checking or savings account

XX/XX/21 contacted Capital One and provided information re : estate settlement XX/XX/21 resubmitted, no response received
Product: Bank account or service

I was attempting to pay off student loans held with XXXX on XXXX XXXX, while I had a payment auto-scheduled to draft for {$200.00} on the XXXX. I was instructed by the XXXX associate to have my bank, Bank of America, place a stop payment on the auto-draft amount thereby allowing the full payoff of {$9600.00} to go through. The BofA representative on the phone never read any disclosures, and clearly understood that this was supposed to be for a specific amount as I explained the entire arrangement. Consequently, both payments were rejected resulting in accrued interest and possible late fees from the lender. Subsequent attempts to resolve with Bank of America have been fruitless, as they claim I was read ( and that I accepted ) a waiver describing a full stop payment to a third party.
Product: Credit card or prepaid card

Barclays financial has closed my account while I battled an illness and they continue to process payment attempts from my bank account without my permission which has caused me to receive multiple over draft charges from my bank. I do not have automatic payments set up and I have not attempted to make a payment or settle the account yet they continue to process payment attempts. I was told by a local attorney that their actions are illegal and I am wondering if I should obtain legal representation.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Have submitted several disputes via Trans Service Center online and have remained unsuccessful. 

Ive now had the original creditors state that theyve requested TransUnion remove derogatory information and inaccurate reporting from file and still unsuccessful.
Product: Debt collection

I was extremely surprised and upset when I checked my credit report in XXXX 2016. There is a mark by Monterey Financial Services XXXX XXXX XXXX, XXXX, California XXXX. It is in regards to a disputed contract with XXXX XXXX over a misrepresented vacation package. I disputed the mark with XXXX and the collection mark remains and does note that it has been disputed. The problem is Monterey NEVER notified me in writing that I was going into collections. I NEVER had a chance to dispute the collection attempt until AFTER it was already on my report. I did notify Monterey in XXXX and they ignored my grievance, I still have not received a collection notice from Monterey.
Product: Mortgage

My mortgage lender is grossly overcharging me for my property taxes and escrow. 

I have contacted them numerous times, and provided property tax bills from the city I live in that indicate they are overcharging and they have responded exclusively with form letters. Each letter also states they intend to overpay again at the next quarter. 

They have issued one refund for funds but did not adjust my actual escrow payment despite the account having well over a years worth of property taxes in it, even though I have only had the mortgage for 2 years. 

I have been unable to speak to anyone and have gotten nothing but form letters back. 

Most recently they overpaid by {$730.00} and when confronted sent the same form letter they always send and stated they intend to further overpay by XXXX in XXXX. 

The city will not issue refunds without proof of payment so this money essentially disappears unless they request a refund, and they do not seem to even understand there is a problem.
Product: Credit reporting or other personal consumer reports

after i found out that i was a victim of identity theft, i contacted the bureaus and they advised me on what to do. This was months ago and the fraud accounts are stil on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. it has been more than 60 days and these items are still on my report. if these items are not removed, I will be forced to seek legal actions since I feel that I am being taken advantage of and this situation is preventing me from progressing in life. I even sent a notarized affidavit concerning this issue. section 611 ( a ) states that a failure to investigate items accuracy within 30 days gives a reason to immediately remove those items from my credit report. I would appreciate an update immediately at your earliest convenience so that i will not have to take legal actions and file another complaint elsewhere. 


Thanks
Product: Credit card

I am a victim of identity theft. My personal information was used without my consent and or knowledge. I went and obtained a police report like the rep instructed me to do. I also filed a report with the federal trade commission, as instructed. I sent all the information into all three major credit bureaus. They removed some of the accounts off, over time others started to show. When I disputed the new fraudulent accounts they responded with the accounts were verified. I asked by who and how to no avail. Also accounts that had been removed for several months were reinserted with no warning. I am not sure as to why this is happening, however we as consumers have to be protected. something needs to happen this has gotten out of control. Please assist me in my endeavor to restore my reputable credit. Thanks in advance for your assistance in this matter. 

Accounts : Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not sure what that is.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine and needs to be removed from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW FINANCIAL SERVICES/CREDIT Date Opened XX/XX/XXXX Balance {$51000.00} Status Voluntarily surrendered. {$4700.00} past due as of XX/XX/XXXX. 
Original Lease amount {$36000.00} The account was closed and was removed in XX/XX/XXXX, and reappeared in XX/XX/XXXX with inaccurate amounts owed. 

Company is in violation of in violation of the following codes ; US Code Title 15, 15 USC 1681a ( k ) ( 1 ), U.S. Code Title 15, Chapter 41, Subchapter III, U.S. Code 1692d - Harassment or abuse, U.S. Code Title 15, Chapter 41, Subchapter III. 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting and 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convenient XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BETWEEN XXXX AND XXXX, Inquires Has Violated my rights. 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 also states a consumer reporting agency can not Furnish a account without my written signature or instructions. I believe this is a fraudulent action that has been made. There has not been any investigation to tied these accounts to me. I have no accounts related to these to hold them under my name or credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Russell Collection Agency is reporting a collections account that has been included in my bankruptcy. They have two accounts on my credit reports : {$90.00} Opened XX/XX/2018 ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX  Closed No Info You could dispute an error with XXXX  SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$29.00} Highest Balance {$29.00} Opened XX/XX/2018 ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX  Closed No Info You could dispute an error with XXXX  SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Product: Debt collection

Collection accounts are posted on my credit from accounts I've never had. Midland credit has been contacted and asked to verify the debit and refuse to do so. 

Midland Credit Management XX/XX/2020 {$7100.00}
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, I open a credit card with bank of america a while back. The term and condition of the credit card is zero interest for a certain period of time, ( I think it was 18 months no interest though the duration is not relevant in this discussion since this is about fraudulent charges by the bank ) as well as no annual fee. About a year ago, I was charged an annual fee by bank of america against the term and condition of their own credit card sign up, then afterward, when I have a balance of XXXX on my credit card account because I pay off all my balance. Bank of america automatically charge me an automatic payment of {$25.00} when I do not owe them any money ( which actually result in a negative balance in a credit card showing the bank basically steal my money ) and then they wrongfully charge me a non process able fee because they could not fraudulently steal my money with wrongful charges. These problem are still not resolved, but due to so many criminal and unlawful action on my credit card account by bank of america, the very company issued the credit card, I tried to close my account. Bank of america refused to let me closed my account at first, while continue placing fraudulent charges on my account. When I finally able to close my account with bank of america, they report a negative remark on my credit report for not paying them for a balance created by their fraudulent charges on my account which affect my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention inaccuracies in my credit report, as discovered upon my recent review. Pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the Fair Credit Reporting Act, I request that you verify the following accounts ( A ) and remove any inaccuracies within the legally mandated time frame. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credence Resource Management, Account # XXXX represents a XXXX post paid account that has been added and deleted to my credit file several times. The date of first delinquency with this creditor was in XXXX and it appeared on my credit file as XXXX in XXXX. The accuracy of the information was challenged and subsequently deleted. This item appeared again on my credit report in XXXX of XXXX with a open account date of XXXX XXXX under the collection agency, XXXX XXXX, XXXX, Account # XXXX, this information was challenged and subsequently deleted as it is a re-aged account. Now, the information is once again showing on my XXXX credit file report # XXXX under the collection agency, Credence Resource Management with an open account date of XXXX, XXXX. I challenged the accuracy of this information as it is a re-aged account in XXXX, XXXX and I received an email confirming the investigation was completed and the credit collection will remain an open account with a date of XXXX, XXXX despite this information is a re-aged account. 

Credence Resource Management is reporting a re-aged account to my credit file which is a direct viloation of the FCRa. Please assist me with this matter as it has seriously damaged my credit score since it is showing as a new collection account and it is also going to remain on my credit file longer than legal because it is re-aged to XXXX rather than the first date of delinquency in XXXX.
Product: Credit card or prepaid card

This request is about information that is reporting on my personal credit report from the credit bureau listed above. I am formally disputing this debt and I am requesting a validation of this debt. I want to stress that this letter IS NOT a request for VERIFICATION, but a request for VALIDATION. 

Under the Fair Credit Reporting Act, Fair and Accurate Transaction Act and Fair Credit Billing Act I have a right to request proof that I have a legal obligation to pay the alleged debt to you. Please provide me with the name and address of the original creditor, what services were performed, a detailed history of the account, copies of documents bearing my signature where I agreed to pay this debt. 

I am pretty sure your company knows that while this account is in dispute, you are not supposed to continue trying to collect this debt or report to the credit bureaus regarding this account. If you do, it will be a clear violation of the FCRA, FACTA and the XXXX. If you do provide me with the requested information, I will require 30 days to review the results, at which time collection activity must continue to be on hold.
Product: Credit card or prepaid card

Good afternoon I'm writing in reference to a closed account on my credit report from Capital One. I am a victim of identity Theft and I disputed the said account with all three bureaus and XX/XX/XXXX is the only bureau who has still not removed. I've disputed this account four months ago, and I'm assuming thatXX/XX/XXXX refuses to remove it, now I am coming to you all to help resolve this problem. What would be a fair resolution to this issue, I want this removed from my credit report.
Product: Debt collection

AFNI CONTINUALLY TRIES TO COLLECT A DEBT THE XXXX HAS STATED I DO NOT OWE I HAVE MADE THIS PLEASE OVER 6 TIMES FOR VALIDATION FOR 2 YEARS AND NO RESPONSE/XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX  : ( XXXX United States ) XXXX  XXXX. XXXX XXXX XXXX, PA XXXX XXXX  : ( XXXX  United States ) XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Attn : Consumer Services Department XXXX Name Removal Option XXXX XXXX   XXXX XXXX, PA XXXX Date : XX/XX/2016 AFNI RE : ALLEGED Account # Partial XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 
I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Product: Mortgage

Related : Case number : XXXX and XXXX ( Note : It is important to have independent documentation so Wells Fargo ca n't come back later and make further questionable statements. ) I filed case XXXX this morning and would have updated it if I could have. 

On the Escrow Account History ( attached to that case ), the bank shows XXXX payments, XXXX to XXXX XXXX and XXXX to XXXX XXXX. 

I changed my homeowner 's policy in XXXX 2016. I was able to obtain better coverage at a lower rate from XXXX XXXX. I canceled the XXXX policy. 

The bank paid both companies. The bank paid twice for the same thing - insurance. 

The bank should not have paid XXXX XXXX. 
Either the insurance company issued a refund to the bank and the bank FAILED TO RECORD it to my account or the bank received the cancellation notice and ignored it. 

The bank has played similar sneaky tricks in the past. When my former insurance company went out of business, the bank initially FORCED me to pay for their own overpriced insurance company, despite my obtaining coverage from XXXX XXXX. 

If the bank had not mistakenly paid both insurance companies and then " mistakenly '' not recorded a refund to my account, there would be a substantial OVERAGE in my escrow account. 

Wells Fargo has once again, deliberately created a problem for this old woman.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

I have unauthorized inquiries and two Fraudulent Collections appearing on my credit report.