23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had gotten contacted around XXXX about a debt I did not recognize and sent a debt validation letter that was never responded to. In XXXX I got contacted about the same debt from XXXX XXXX  out of XXXX XXXX XXXX CA. I did the same and never heard back. 

Over the past week, I've been receiving calls from Random numbers leaving a voicemail about a time-sensitive matter and stating they were from " MRS ''. I had to assume this meant MRS BPO. Rather than answer unknown numbers, I called up MRS at ( XXXX ) XXXX. They said they had some accounts under my number but didn't match my personal information to any of them. They then transferred me to some department where I was on hold until the call dropped. 

I tried to use the self-service portal at https : //portal.mrsbpo.com/verify-identity but none of the details match to show me anything. 

Today was the first day I answered a call and got a live agent. They said they worked for MRS and confirmed my personal details. They said it was in reference to what sounds like the same debt from years before. 

I asked them for an account/case number, which they hesitantly gave me. I then asked what address they had for me. The address was very old. I then said I no longer want calls and to handle everything by mail. I asked for their address to send a debt validation letter. I also offered to confirm my current address so they could send anything they want via mail. 

The agent then said " that's okay. My client will be pursuing this matter in civil court and hung up. '' I went back to the MRS portal to try the account number to see if that worked and not only did it not, but it appears to be the wrong alpha-numerical format. 

I tried contacting MRS again direct with the same result. At this point, I have no idea what to do. I want to send a debt validation letter, but I am not confident I'd have the information to include in it. 

I also contacted other debt collection companies with MRS like MRS Associates who say they don't leave voicemails and refused to do any kind of lookup. 

At this point, all I have is some random account numbers and people calling claiming I owe some debt from way over 10 years ago but won't give me the information I need to validate the debt or even ensure they can get me anything by mail. I can't even trust these people calling are from MRS or what to do since their information on me seems to be out of sync and MRS seems unable to connect me with anyone. 

Based off experience, even if I do confirm these details and send the debt validation letter ( which I am confident will receive no reply based off the fact I don't recognize this debt and it's been a pattern ) I also think it's highly likely MRS wilXXXX sell whatever sparse information they have to another collector and I'll get more random voicemails and threats.
Product: Checking or savings account

I did not receive my direct deposit on XX/XX/year> and I check with my employer and all the information is correct. I tried to contact Capital One and they do not answer. I get hanged up on every time.
Product: Credit reporting or other personal consumer reports

Recently I've received a copy of my credit report in which I noticed that there is information and accounts that are unlawfully and inaccurately reporting. There are inaccurate addresses reporting in which I don't live at those addresses. The address that's on my ID is my address and only address that should be reporting to my credit report. There are collections accounts reporting but how can there be an alleged debt if there isn't any contracts, receipts or agreements between me and the creditors listed in my dispute? I reached out to the creditors reporting these accounts and asked them to mail me any documents that verifies the debt that they're reporting. I never gave them the consent to share nor obtain my personal information which is a violation against my right of privacy. The unlawfully and inaccurate reporting information and accounts are negatively iim acting my credit score limiting my ability to obtain any potential relationships with lenders, or institutions. Violations committed by Transunion and the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Product: Mortgage

Nationstar Mortgage purchased my loan and converted it to simple interest. 
They then apply my payment which was made at the beginning of my billing cycle to the last day of my billing cycle, earning the maximum interest on the loan and making it stand still for several years. They change the name of the company to Mr Cooper and change the billing cycle day constantly to continue the fraud.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX Balance : {$5200.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX FUNDING ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple requests and disputes to Experian and they refuse to block incorrect information from my credit report or correct my personal statement. Experian has now blocked my access to file disputes online. They require that I call only. I am legally XXXX and do not talk on the phone. Experian has refused to explain why they have blocked my ability to dispute inaccuracies online and they also refuse to accept my disputes in writing, claiming that they " are not from me. ''
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. '' XXXX and XXXX and TransUnion 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 XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, National Credit System, ) 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 may 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 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX and XXXX and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, TransUnion XXXX XXXX, XXXX Bank, 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 XXXX 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. '' Never informed me of my right to exercise my nondisclosure option. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 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 Experian and TransUnion 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: Money transfer, virtual currency, or money service

Zelle Scam on Wed, XXXX XXXX at XXXXXXXX XXXX Dear, Customer We encounter a little problem while trying to credit your Zelle account, you received a payment of {$850.00} USD but we have a problem in crediting your account with that amount because the status of your Zelle account is not a business user which makes your account have a limit and this amount seems to be above your limit. You have to take the urgent step to expand your account limit. 

[ FOLLOW THE INSTRUCTIONS ] Contact the payee to your account to help you send an additional payment of {$500.00} USD so that your account limit can be expanded, As soon as this is done we will send you a notification before we process the total payment into your Zelle account. Your account will be credited with the total sum of {$1300.00} USD immediately Contact Privacy Legal Zelle Logo Transaction and payment assurance. 

An alert has been sent to your buyer in regards to the {$500.00} USD additional payment to send, we will secure this transaction with high priority that neither the buyer nor the seller will lose a dime in this transaction.
Product: Debt collection

I have sent this company multiple disputes requesting debt validation and they have refuse to respond with any valid documentation. Also company sent a bill but no valid verification and validation documents. This debt is not owed and this information reporting is incorrect. I request this account to be removed from my credit report in entirety.
Product: Credit reporting

XXXX XXXX XXXX - XXXX XXXX XXXX DISPUTES THIS ACCOUNT INFORMATION XX/XX/XXXX {$550.00} OPEN ACCOUNT {$550.00} COLLECTION ACCOUNT XX/XX/XXXX {$550.00} This account should be closed not opened because they charged an overcharge for am agreement not legally appropriate since I never signed to extend my offer.
Product: Credit card or prepaid card

Citigroup has recently enacted practices that directly violate the civil rights of millions of law abiding Americans.
Product: Credit card or prepaid card

Good afternoon, I have a Chase Sapphire Reserve credit card. It offers travel miles which can be used to book hotel reservations through their portal. 
A hotel reservation at XXXX XXXX XXXX XXXX was made on XX/XX/2020 through the XXXX XXXX  on Chase website for a stay from XX/XX/XXXX to XX/XX/XXXX. I used XXXX miles to make the reservation ( XXXX $ value ). 
Upon arrival to the hotel, it turned out that the hotel is closed since XX/XX/2020 ( 6 months before the reservation was made ). 
I immediately contacted Chase XXXX XXXX program to get a refund, they said that in order to give me a refund, they have to contact the hotel to get an authorization for the refund. I had to book a different hotel ( XXXX XXXX ) for a value of {$950.00} $ since it was a late reservation. 
Since then, they made multiple attempts without a response. I had called Chase numerous times and received the same answer, they're still waiting for the hotel to email them back with an authorization. 
Attached documents include the confirmation of the reservation at XXXX XXXX XXXX that was made after the hotel was closed, copies of the emails that i received from Chase saying that they're still waiting for a response, a picture of the sign the hotel has on their front door stating that they're closed, a picture of their website stating that the hotel is closed, a copy of the new reservation confirmation which was made on XX/XX/XXXX ( the date of the original check in ) and a copy of the new hotel reservation transaction. 
I appreciate your assistance with this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$230.00} XXXX  XXXX XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$880.00} XXXX  XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$470.00} XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX . Opened Date XX/XX/XXXX Balance {$55.00} FRAUDULENT INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Debt collection

On XX/XX/2022, I mailed a Validation of Debt and Cease and Desist Letter, to JP MORGAN CHASE BANK with specific demands to identify the original creditor, provide copies of the original lawful contract signed by both parties in wet ink, and provide validation of the alleged debt ( actual accounting ). These letters were sent via Certified Mail # XXXX. JP MORGAN CHASE BANK received these instruments on XX/XX/2022. Respondent was given XXXX ( XXXX ) days from day of receiving Validation of Debt and day of receiving Affidavit of Truth to provide proofs of claim, point for point ; however, Respondent chose to either remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted. Respondent has agreed and stipulated to the facts and agreed that the undersigned Secured Party can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper.

AFFIDAVIT OF TRUTH Formal Affidavit of TRUTH was sent to JP MORGAN CHASE BANK as a result of their failure to comply with demands stated in the Validation of Debt Letter. Said Affidavit of TRUTH was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022 [ Exhibit E ].

Conditional Acceptance Formal Conditional Acceptance was sent to JP MORGAN CHASE BANK as a result of their failure to comply with demands stated in the Validation of Debt Letter, unpaid Invoice ( Bill of Particulars ), and Non-Compliance Affidavit. Said Conditiona
l Acceptance was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. 

NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by JP MORGAN CHASE BANK, having not received and showing no record of response to items listed in my Conditional Acceptance sent XX/XX/2022 via Certified Mail # XXXX and received by JP MORGAN CHASE BANK XXXX XX/XX/2022, said Conditional Acceptance is now in Default. 

NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of JP MORGAN CHASE BANKs failure to cure and honor Fault places JP MORGAN CHASE BANK in Default. For the course of dealing, set forth herein, with JP MORGAN CHASE BANK failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, and Conditional Acceptance constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Conditional Acceptance Further Affiant saith not. 
All documents have been sent to JP Morgan Chase Bank and are too large to share in this format. They can be provided if requested by an outside party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting I'm late on two credit cards on my credit report one month after the cards was closed. 
I've XXXX  for three months so due to that was unable to work for that time frame. 
In XXXX Capital One decided to closed two of my accounts because the auto payments was sent back. They closed both cards in XXXX but are adding high interest and fees to the account after they closed the account. In addition to that they reported that I was late in XXXX on my credit report when they closed my account in XXXX. 

I try to work with them and they are not helpful.
Product: Bank account or service

I initiated a wire transfer from my XXXX XXXX account to my Chase Checking Account. Eight days after I initiated the transfer, Chase still did not credit me for the amount that I transferred. In addition, the wire transfer team was not helping me in locating the money.
Product: Credit reporting or other personal consumer reports

Experian has shared in my information without my written instructions committing identity theft
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights as a consumer. 
15 U.S.C.1681 Section 602 A. stated I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

As early as XXXX as well as multiple supporting documentation and escalation to the specialty dept. including XXXX, XXXX and most recent, XX/XX/2018, XX/XX/2018 and again XX/XX/2018. I have supplied supporting payment information as well as calling the Collection agency and hospital to no avail. I am able to provide proof of payment and want this information deleted immediately from my report. 

Equifax is the only agency that still reflects this information and it appears there is a black hole when sending supporting documentation. 

Thank you,
Product: Bank account or service

I had a business checking account at US bank. I applied for a merchant processing service through XXXX XXXX XXXX, connected to this bank account. I did not use or activate this merchant processing account. However US bank allowed them to take money from the account. At first it was {$43.00}. I then paid US Bank to block any further charges from this company. The merchant services company then came into the account under a different name and took {$490.00} which overdrew the account by $ XXXX. The bank then added fees on top of fees. The result was that the account was closed and charged off because I would not pay for this unauthorized charge. The bank should never have let such a charge go through when there was almost no balance in the account.
Product: Credit card or prepaid card

In XX/XX/2019 A payment was processed but it did not go through, I tried to resolve with company but it did not pan out. The payment was reported as missed, but the payment was processed it just did not get to the credit card company and I was not aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

This account is being reported inaccurately, first of all I am seeing repetitive CO late marks which is a violation also, this account is being reported positively on XXXX with no late payments while XXXX & XXXX is reporting this account as Charge off.
Product: Debt collection

Collections agency called XXXX in XXXX ( XXXX, XXXX XXXX XXXX ) Account was paid in total of XXXX on XX/XX/XXXX on XXXX XXXX XXXX XXXXXXXX called about debt in XX/XX/XXXX from Nelson Cruz and Associates about this debt again, told them that I already paid this debt XXXX has no record of this debt at the location nor at the corporate level- I have not received a written letter about this debt or email, no verification. ' Told NCA about this and they became rude and hung up the phone on me and didnt call me back, then added this debt to my credit report - what a sham!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ; 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX