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

On XX/XX/XXXX, I mailed two debt validation letters to XXXX XXXX XXXX, one to XXXXXXXX XXXX XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXXXXXX, XXXX  XXXX, MO XXXX. I will attach a .pdf of the exact validation letter, the document was received on XX/XX/XXXX at XXXX XXXX with no confirmation or acknowledgment having ever been mailed back to me since the company received my letter. I have already tried to correct this matter by filing a complaint with the Office of Civil Rights through The Department of Financial Services against the hospital and the debt collector, complaints number : XXXX & XXXX, and just recently, The XXXX XXXX XXXX on XX/XX/XXXX. They have no documents proving that the debt belongs to me, no itemized bill, and then there's the fact that the debt is also under XXXX XXXX XXXX, clearly, The Social Security Administration and The State of Florida couldn't possibly be mistaken in confirming that my name is, and has been for quite some time, XXXX " XXXX '' XXXX. XXXX has just recently posted a collection account to my credit report on XX/XX/XXXX for an unsubstantiated account on a patron with two insurance policies. How can they so boldly defy the constructs that govern their industry? It is impossible for me to have any outstanding debt from XX/XX/XXXX, my primary policy 's Family Deductible and the Annual Deductible was surpassed in XX/XX/XXXX due to expenses related to my XXXX. I have never seen a company so brazen as to kick an unemployed upstanding citizen while they're down and trying to care for their infant on a very constrained budget.
Product: Checking or savings account

I was a victim of identity theft. 
Someone opened a checking account in my name using phone numbers I dont recognize. But had my old apartment address. And now Bank of America has closed all my accounts and will not let me open another one. 
I did not ask them to open an account they allowed someone else to in my name so I dont understand why I am being punished.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, THE FOLLOWING ACCOUNTS ARE CLAIMING TO BOTH OWN THE SAME DEBT WITH A BALANCE. AS YOU KNOW, THIS IS NOT POSSIBLE AND ALSO A VIOLATION OF MY RIGHTS. BECAUSE OF THIS, BOTH ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY DUE TO NOT PROPERLY VALIDATING THE INFORMATION IN WHICH A COMPANY HAS PASSED TO YOU. PLEASE DELETE IMMEDIATELY.

WHEN THE REQUESTED ABOVE DELETIONS ARE MADE, PLEASE MAIL ME AN UPDATED COPY OF MY CREDIT REPORT ACCOUNT 1 : XXXXXXXX XXXX XXXX
Product: Debt collection

I have reached out to you on several attempts regarding this alleged debt and have affirmed to you on those attempts that this company, Mountain Run Solutions, has acted unethically by attesting that I owe them money and that I have an open account with them. This is false and I have proof from the original creditor, which is accompanied with this letter. 
I took the liberty and asked the original creditor to assist me with the appropriate documentation after I explained to them that this creditor ( Mountain Run Solutions ) created a fake balance to try and force me to unlawfully pay. Mountain Run Solutions also lied about having reached out to me in XXXX via U.S. mail. This is blatantly false and I showed you that it was false by providing you a name affidavit and proof of address. 
Attached, you will see the itemized statement/payment history from the original creditor. You will also see the true date of delinquency as well as the dollar amount that was owed seven years ago, which was {$420.00}. This account is over 10 years old! Not only that, Mountain Run Solutions misrepresented the amount owed to benefit them as well as dates. This is an immoral and unethical practice amid a global pandemic! 
Mountain Run Solutions may have purchased a debt from a creditor that I dealt with over 10 years ago, but I did not sign any contracts with Mountain Run Solutions and again, they are falsely claiming that I owe them {$960.00}. The date of delinquency began in XXXX and was consecutive. This collection violates the laws of the FCRA and XXXX  is being complicit by reporting an erroneous account and not adhering to the refutable evidence that I have provided for nearly a year now.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and requested that the company due an investigation. After they completed their investigation, I received updates on my report that were not removed and no information was provided to me about the account. There is no proof that these accounts belong to me from any of the agencies reporting negatively on my account. 

XXXX XXXX- {$0.00} XXXX  XXXX {$17000.00} XXXX  XXXX Auto - {$13000.00} XXXX XXXX XXXX - {$64.00}, {$290.00} XXXX XXXX {$420.00} XXXX  - {$5600.00} XXXX XXXX XXXX {$700.00} XXXX  - {$8000.00} I also never gave these companies permission to pull my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 u.s.c 1681 was sent to each of the creditors with incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has verify as accurate accounts that have been sold and verify as accurate collections accounts that I have not received proper notification and validation.
Product: Credit card or prepaid card

I have XXXX credit cards that were opened under my name apparently. Both credit cards I did not give authorization for them to open. Both cards are almost maxed out with the limit but I see that they have been making payments on time for the past few years. I was not aware of these cards until I got a Chase bank account with their credit journey feature on the app. I seen the cards on there. So Chase bank can not resolve the issue with me. The accounts have been opened for over XXXX  years and I'm XXXX XXXX XXXX. I know both people that has the cards XXXX is my father the other is my stepmother. I need help closing these card because it's affecting my credit score and plus they did not have my authorization to use my personal information to open them. Please please help me resolve this issue, thank you.
Product: Mortgage

We been having problems with Freedom Mortgage for XXXX  years now. But latest and final problem is. We was behind on our payments. Thats our fault. But XX/XX/2023. We got a statement in the mail pay this amount to catch up on the past due. It was XXXX, xxx. So I went to my wife and told we need to get this in the mail today. I went to the bank and got a XXXX check from our bank. Then went straight to the XXXX  office and mailed it off. So on the XXXX of XXXX. It would go to XXXX XXXX airport then to XXXX airport. So by XX/XX/2023 the payment was in XXXX to go to freedom mortgages payment center. 
So XXXX XX/XX/XXXX we called up to you there to find out if they had the payment they said no. We asked them what we should do. The lady that was talking to you oh sure us and we were fine they would find the payment. We even asked if we should make another payment because we just got a XXXX insurance policy XXXX in so we had the money. I love warm is it every mortgage. Said no, we didnt need to. That wed be OK. We go back to the XXXX  once again. We were told we were OK so we didnt worry about our house being sold. Because they were saying we would be oh right. Well, our house got sold on the courthouse steps to freedom mortgage. And then I went over to the other ocean and got sold to freedom mortgage and then all of a sudden on XX/XX/XXXX freedom mortgage sold it to this company that is now having a certificate out of our house. I have to reverse ensuring that everything was gon na be OK. This is not OK Oh, I know its that big XXXX had that check in the fan. After XXXX days they held the check they finally sent it back to us and it was dated the XXXX. when the sale date was the XXXX Im leaving at this from now. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trident Asset Management, unlawfully added a 120 day late payment to my report without cause in XXXX of 2022. I have never entered into an agreement with this company. They purchased my charged off debt from a previous debtor, this late payment was added in retaliation. I request that this account be removed from my report immediately.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Debt and Cease and Desist Communication Request under 15 USC 1692 ( c ) Dear XXXX. XXXX XXXX, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the account referenced as [ Account # XXXX ], which you claim I owe. I am formally disputing the validity of this debt in its entirety and requesting that you provide verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

In accordance with 15 USC 1692 ( c ) of the FDCPA, I request that you cease all communication with me regarding this debt, except as required by law. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact.

If you fail to comply with these requirements my rights as a consumer are to seek legal action ( sue ) against your agency ( XXXX XXXX XXXX ) for violations of the FDCPA. This could result in actual damages, statutory damages up to {$1000.00} or more per violation and attorneys fees and costs. 

Ive attached my consumer report from Experian that your agency ( XXXX XXXX XXXX ) is reporting this alleged debt. 

Thank you for your prompt attention to this matter. I expect to receive confirmation that you have received this dispute and cease communication request within 30 days or delete this alleged debt from my consumer report.
Product: Credit card or prepaid card

I have been trying to resolve a dispute against my credit card company since XXXX XXXX, 2020. 

My boyfriend used my card to book travel, I am unable to modify change or cancel reservations without him cancelling air fares. '' This is in arbritration. Since XX/XX/2020 the airlines according to Department of Transportation is to refund all charges but has not. 

I asked the credit card company to put in dispute again as this law took affect in XXXX, 2020 not XXXX 2020 when first disupted. Every time I call they hang up on me. They also say there is no such thing a dispute department. 

I have also requested this company send me the full account number to this account. 

They absolutely refuse to give me the full account number. The account is now closed. 

XXXX XXXX
Product: Mortgage

Had a mortgage modification approximat ely three years  ago with  Wells Fargo,   have been making my payments on time during this period but recently when I called them to discuss a new mortgage they told me the mortgage has never been re affirmed therfore it does n't appear on my fico score or with the credit bureau? And  Wells Fargo s aid they ca n't talk to me about a new mortgage until this mortgage is re confirmed? They suggested I call my bankruptcy attorney and have him, repair this oversight? I have done this but have n't received a reply from my attorney? As I am doing this complaint at the same time I wrote a request to my attorney, how do I get this mortgage w ith Wells Fargo re affirmed so  they will talk to me?
Product: Money transfers

For years I 've never had a problem paying big national chain stores, and local merchants with checks. Two months ago, a company called Telecheck ( First Data ), apparently hired by XXXX, XXXX, and XXXX XXXX began rejecting my checks as, they claim, my check writing pattern is indicative of fraud, though I have never bounced a check in any of these retailers. They are fraudulently representing themselves as having special knowledge when they do n't.
Product: Checking or savings account

I have called him I have call Paypal and I have told them about it several times that my my face shut my account down because of the funds that I receive and they have nothing to do with the casino flight pass that rush you have the pictures and nothing was done about it they say everything is OK on it in but it was not and I call I didnt know what else to do and my car is still not right they have took money off of the machine and theres more money than that which I have it documented I reached out several supervisors and let them know about it everything feels to be OK on their end but its not on my end but no one never mentioned to me about giving me another debit card or account number but since Ive talk to those supervisors I got a card in the mail the XXXX XXXX XXXX and the car still has the same card number is nothing different the CVC number account number the card number everything seems the same and nothing has been done I cant receive money to cash out on casino games I have like XXXX XXXXOn the lottery scratch off and I cant use the my PayPal card to cash out its an invalid account so I dont know what else to do I took my XXXX XXXX XXXX XXXX XXXX off because they shot my car down because they said they can pay {$1500.00} I have it on video but unfortunately I have to go back to my phone to find it because I videoed it and itll show you the money about Paypal
Product: Money transfer, virtual currency, or money service

Cash App. 
Took over {$2500.00} from my cash app account claiming overdue funds from investing and false accusations of fraudulent behavior.
Product: Debt collection

XXXX reported on XX/XX/2020 COLLECTION AGENCY ; MERCHANTS ADJUSTMENT SERVICE, XXXX XXXX XXXX XXXX, XXXX AL XXXX ; ORIGINAL CREDITOR IS XXXX XXXX XXXX, {$430.00} THE CONTRACT RELATED TO THIS ACCOUNT HAS BEEN CANCELLED!
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted XXXX  XXXX credit and questioned them about my 0 % introductory APR. I had been being charged interest on my purchases and wondered why. If you go to the website like me, I saw a specific line that said 0 % introductory APR for 12 months. This was the reason I opened the card. I was told over the phone that this only applied to balance transfers. When you look at the website, you see were they write about the balance transfer APR. Directly below the bolded balance transfer info there is another bolded statement that says 0 % introductory APR for the first 12 months. I assumed that to mean that this meant upon account opening on all purchased items. Ive taken a picture of the website so an official could review the writings and misleadings. I feel that the marketing trick here was to bait me into believing it meant on purchases and balance transfers with the use of separate lines in bold on the website. I wish to have what I believed I would receive which is 0 % APR for 12 months on all purchases. Thank you for looking into this scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing with the bureaus on XX/XX/2021 ; there have been multiple accounts reporting inaccurately that I have been trying to get removed and repaired. Since the bureaus didn't send me anything within the 30-45 days, I sent another dispute on XX/XX/2021 and still haven't received anything. So now I am filing this complaint but the lack of responses from the bureaus is getting very frustrating and delaying the process for me on other items!
Product: Credit card

Capital One has committed fraudulent and misleading acts in relation to a secured credit card account I opened in XX/XX/XXXX, ending in XXXX. I applied for and opened a SECURED credit card, and deposited {$200.00} which set the limit for my credit. I intentionally chose to open this secured credit card because it gave me the power to add to my own line of credit at my own convenience. Capital One, WITHOUT MY CONSENT, upgraded this account to an unsecured credit card and refunded my deposit, effectively taking away my power to add to my own credit line. I did not want or consent to this upgrade, and was never given prior notification or the ability to opt out of this upgrade. I was also never clearly informed that the account I thought I was opening had a mandatory upgrade built into it. I never would have opened the original secured card if I had known this was the case. 

On top of this aforementioned problem, the secured credit card account that I opened, which now no longer exists because I dont have a secured credit card where I can add to my own line of credit at will, had an alleged late payment reporting in XX/XX/XXXX. This late payment is still reporting on the current unsecured credit card, as though the two different credit cards are the same product. Clearly they are not, because if it was the same product, I would be able to deposit more money into the account to raise my own credit limit. I have been repeatedly denied credit limit increases and am extremely unhappy with the current state of this account. 

The current Unsecured Credit card has had 0 late payments since the non-consensual upgrade, yet it is negatively reporting as was 30 days past due date and it is negatively affecting my credit score, as well as causing harm to my personal reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated reports, there are incorrect items were found in my which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit card

American Express has been very difficult to deal with in regards to paying my bills on time. I have been a cardholder with them for 10 years and up until the last year, I have had no issues paying my bills on time. 

The issues I am dealing with relate to their website and customer service. Simply stated, I am unable to pay my bills as I am constantly dealing with login issues despite using my correct username and password. 

Across several browsers ( XXXX XXXX XXXX XXXX, and even incognito mode ), I have dealt with a failed sign in message and occasionally a lock out on my account even though I am entering my username and password correctly ( and in some cases, I have them stored under a password manager in my browser or computer ). It takes multiple attempts to log in to my account and doing so correctly is cumbersome and aggravating. 

I have already escalated this issue before and even requested to an agent over the phone to have automatic payments set up so that my bills are paid ( without having to sign in and pay them myself as annoying as it is to be told to change my password even though my password isn't the issue, the website is ). I didn't even mention that the security XXXX  will sometimes not work even with my correct password used, forcing me to refresh the page to get the XXXX  to work! I can't even get a precise screenshot of the XXXX  issue because the checkmarks disappear before I can grab them when clicking on a grid in solving the security question. 

As for the request to have automatic payments set up? The agent did not act upon my request and any other attempts to escalate this issue were unheard. This is unacceptable! 

The company also FAILS to notify me when payments are due ( by email and by text ) until AFTER a payment is due, not BEFORE. Why they fail to disclose this is very obvious : it is to profit off of cardholders like myself. I am extremely disgusted at this practice. 

Right now, there is a late fee on my account due to the aforementioned issue of not being able to sign in to pay my bills at all. For {$29.00}. Not the first time either. The fact that I requested an AUTOMATIC PAYMENT to be set up to avoid this from happening again ( over the phone, as opposed to by chat ) and was still not set up apparently means that this credit card company does not have my back 100 %. I have been with them for XXXX loyal years- why am I dealing with this horrible service??? 

The fact that I am also dealing with a loss in my family and severe health issues which is busying my life and causing stress makes is more difficult to stay on top of my finances so it REALLY angers me how Amex decides to notify me about my bills AFTER the due date not BEFORE to reiterate. 

I am very adamant about my stance in that Amex has been unfair and unreasonable in how they choose to deal with this perennial issue and hope my complaints lead to my ideal resolution. Even then, I am less likely to continue using my Amex card ( s ) given how much of a mess I have been though in the last year with them. This complaint is the final straw.