23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am not aware of this debt. I wasn't given a chance to dispute it. I didn't receive proper notification. If indeed you believe I was provided proper notification. I asked that you provide certified letter with the receipt with my signature. Showing that I received it.
Product: Student loan

A payment was made on my account in XXXX of 2023. I made a second payment immediately after. Each payment was in the about of {$250.00}. XXXX  payments were withdrawn from my bank account. Only XXXX payment posted to my loan. I gave them proof visas the confirmation number they sent to me of the payment and my bank statement showing the withdrawal from my account. My payment was never credited to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit report and noticed there are several inaccurate late items on my report as follows : This account is listed as being 30 days late. I have never been late on this account. 

15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of Dixon-Rollins v. Experian Information Solutions . In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by this company.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX ex XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX I PURCHASED A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. WITH CREDIT ACCEPTANCE AS FINANCE COMPANY 22.98 PERCENT APR THEY ASK FOR XXXX DOLLARS DOWN, ALONG WITH MY CREDIT THAT WAS ILLEGAL! NOT TO MENTION, I WAS NEVER GIVER THREE DAY RESCIND PAPERWORK AND NOT TO MENTION THEY HAD THE CAR THE FIRST THREE WEEKS AFTER SALE, DUE TO BRAKE ISSUE! I SIGNED A ELECTRONIC PAD ( ILLEGAL ) NEVER SEEN CONTRACT UNTIL XX/XX/XXXX AND NOTICE OTHER ILLEGAL FALSE MISLEADING PRACTICES OF CREDIT ACCEPTANCE CORPXXXX FEDERAL LAWS WAS BROKEN AND VIOLATED! MY CAR WAS REPOCESSED ON XX/XX/XXXX WITHOUT A COURT ORDER DURING COVID SHUTDOWN I WAS CHARGED COUNTLESS FRAUDLENT LATE FEES! CONTRACT IS FRAUDLENT AND UNFAIR AND NEEDS TO BE INVESTIGATED!
Product: Debt collection

Portfolio Recovery had called me and I tried to negotiate money owed down to a smaller amount. They would not agree. Now the this old enough to come off my credit report. Its been 5 years and should be removed. Money owed is {$500.00}. the account was opened in XX/XX/XXXX, XXXX the original creditor is XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may be concerned, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are UN-VERIFIED. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise not compliant with regulatory federal reporting laws or standards and MUST be removed immediately. The following fractions are as follows : Alleging Creditor and Account is reported as having a late payment on my credit report : XXXX XXXX XXXX Account Number : XXXX I am demanding that these accounts be updated to PAID as agreed and NEVER late.
Product: Consumer Loan

I have presented a case prior with Santander consumer USA and my case closed and it stated to seek legal counsel and then speaking with accelerated supervisor to handle issues at Santander and I mentioned lawyer she then explained when I agreed to at 2 times to push payments to back of the loan each time 3 months that it allowed the a loan to charge the XXXX XXXX dollars of interest and she said that on tape I agreed to change that but the conditions also changed because I was on leave due to illness. This was not explained and nor will they give these tapes to me. I was in financial hardship they took advantage and did not reveal that this will cost this amount. I am still trying to find an attorney because of the cost they charge. They kept saying at first late payments and now this and no they did not explain and they are aware they took advantage because only now am I being told more in depth answers I want this to go to court but I trying to find sway to do this without costing I have family and obligations and if I knew when I became ill that this would of cost this on these XXXX accounts I would not have agreed.
Product: Credit card

On XX/XX/2024 I made an in-store purchase for a new XXXX XXXX from XXXX XXXX XXXX XXXX for {$700.00}. I was told the turn- around time was XXXX weeks. I never received the item during that time frame so I called the store. The store said it was shipped and delivered, yet I never received the item. On XX/XX/2024, I started a dispute with my credit card Prosper XXXX and received a temporary credit on XX/XX/XXXX. I called back on the first week of XXXX to ask for the status of the dispute and was told they have yet to close it. 

On XX/XX/XXXX, I contacted XXXX and sent the original receipt and special order receipt from the store showing that the order and payment was for a special order XXXX XXXX XXXX that was going to be Shipped to Home. This contradicts both the merchants claim that the purchase was an in-store purchase with the item not being shipped. On XX/XX/XXXX, XXXX reached out to me via email with the merchants proof for the dispute and said the claim was closed and they couldnt do anything about it. 
Prosper and XXXX have been given false information by the merchant regarding this transaction and have based the closure of the dispute from that evidence. I request that the dispute be reopened with the supplied original receipt and special order receipt which was emailed to XXXX on both XX/XX/XXXX and XXXX. I feel the credit card company, Prosper, and XXXX have both not been in compliance with processing this dispute or informing me of the information given by the merchant, and have now said it is outside their scope or purview. Also please pull the recording from my phone call on XX/XX/2024 with the XXXX customer service agent. I asked if I needed to provide them with the original receipt and special order receipt for this dispute, at the time the agent said it was not required. 

As of today, XX/XX/XXXX, Prosper reversed the temporary credit and XXXX has been unwilling to reopen the dispute despite providing them with information that contradicts the merchant 's response to my dispute. XXXX is also saying that my request to speak with the person reviewing the claim has been denied and only an email will suffice. 

XXXX is the credit card institution that backs Prosper. I believe Prosper has not abided by the terms and conditions that is backed by XXXX.
Product: Checking or savings account

- I was charged an overdraft fee instantly on XXXXXXXX I was returned the fee on XXXX as this was my first overdraft fee on the account - I called about the concerns of double charges to my account on XXXX and was told that some accounts this happened to but my balance was accurate although it was subtracted from my balance each doubled transaction.
Product: Credit reporting or other personal consumer reports

I have contacted and made previous complaints with with CRA 's about XXXX XXXX reporting incorrect info with them. I have asked for who was spoken to and physical proof with name numbers etc. This information was not given to me only that they allegedly contacted them and verified everything was correct and accurate which it is not. All information across all CRA 's are different, which is putting me at risk for identity theft which goes against FCRA 15 USC 1681. this is also defaming my character by reporting false and inaccurate information. XXXX has reported that the account is closed but is still reporting information defaming my character.An account is supposed to be charged off after 120 days and closed. A charged off account is not to be reporting any amount due if it was charged off and wrote off and filed on that company 's taxes with a 1099 C form which legally is used to cancel out a debt of XXXX XXXX or more and the copy B is to be sent to the consumer. I would like this matter resolved in the said amount of time by law according to FCRA 15 USc 1681
Product: Debt collection

An unnamed authorized representative of XXXX XXXX XXXX XXXX sold an alleged debt to F.H. Cann & Associates Inc., XX/XX/XXXXXXXX 

F.H. Cann & Associates presented a Demand-for-Payment letter via mail on XX/XX/XXXXXXXX XXXX XXXX Mail code violation 18 U.S. Code Chapter 63 - 1341. Mail Fraud and other fraud offenses XXXX XXXX XXXX DBA Principal / President / Secretary / Treasurer / Director F.H. Cann & Associates Inc., received a validation notice dated XX/XX/XXXX signed by XXXX XXXX XXXX. 

On XX/XX/XXXX the alleged debt was returned to XXXX XXXX XXXX XXXX according to XXXX XXXX a manager in the charge-off department. ) XXXX XXXX XXXX XXXX did not honorably make contact via mail or telephone. 

XXXX XXXX XXXX XXXX did not contact me about the mishandling of the alleged debt and started removing money from my account and my sons account. 

During this time XXXX XXXX XXXX XXXX supplied my private information to F.H. Cann & Associates Inc., I have not signed documents allowing a permissible purpose to F.H. Cann & Associates Inc. My safety is at risk. 
I requested a call back and was informed it would be a 24-48hour wait time. I was informed that only a manager can remove funds from accounts. Its called a XXXX according to a manager in the charge off department XXXX. 

XXXX and XXXX stated a call made but no message left. I have no record of a call or a message. After I made contact, I was warned that if I do not set up a payment arrangement immediately the funds would be still removed without my consent. I was offered 50 % of the funds back and I refused while continuing to request something in writing. 

XXXX informed me that the department Ive requested can only be contacted via email. I was not supplied the email address. XXXX reminded me again that the funds would be removed and there would be no set amount at any time. I felt threatened and helpless. 

XXXX XXXX XXXX XXXX is currently under scrutiny for {$15.00} million dollars and are committing the very acts they have denied. 
This not only proves my rights are being violated, this also proves XXXX XXXX XXXX XXXX carelessly sells/contracts their alleged clients private information for profit despite the consequences of the F.D.C.A. 
XXXX XXXX XXXX XXXX are abusing their authority in efforts to force consumers to pay debts that they have no first - hand knowledge of. 

I am formerly requesting XXXX XXXX XXXX XXXX to provide authentic contractual agreements stating the equitable exchange of goods or services to me ; along with a permissible purpose to F.H. Cann & Associates Inc., releasing my private information. 

Present authentic contractual agreements supporting XXXX XXXX XXXX XXXX and I have agreed to honorably conduct business. I do not agree to pay/tender anything to F.H. Cann & Associates Inc., on behalf of XXXX XXXX XXXX XXXX. 

I have included all proof in the attachments.
Product: Mortgage

The mortgage servicer has not paid my county property taxes. I pay my escrow account for the servicer to pay my taxes. I have been in contact with the servicer since my first delinquent tax notice in XX/XX/2018 and I still have a delinquent bill despite being told the taxes have been paid..
Product: Payday loan, title loan, personal loan, or advance loan

On Several occasions, spanning between XXXX, I entered into several consumer credit transactions with U.S. BANK XXXX submitting applications for credit with my social security number and autograph, creating value and a security interest as collateral security for the vehicle I desired and is my inalienable right to have. They accepted my security interest, but then discriminatorily denied me access to the accounts, due to third party reporting agencys website communications ; that of which I have no contract or permissible business with. Several accounts have been created, in my name, misrepresenting my identity and I have been denied consideration, due to unfair and unlawful use of a third party credit scoring system. They are in direct violation of the Federal Reserve Act, section 16:1-2, which states all notes are obligations of the United States and shall be receivable by ALL national and member banks and Federal reserve banks . They shall be redeemable in lawful money on demand at the Treasury Department of the United States. Any Federal Reserve Bank may make application to the local Federal Reserve for such amount of the Federal Reserve Notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender, to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve Notes thus applied for and ISSUED PURSUANT TO APPLICATION. The collateral thus offered shall be notes, drafts, etcThere is NO law REQUIRING me to be subject to or defined by a credit scoring system, nor a consumer report, to be able to access my own securities through any Federal Reserve Bank, National or Member Bank. 
U.S. BANK is actively committing securities fraud and are intentionally and knowingly keeping me from trading, although I have prepaid each time, for the goods, thus says Federal Law and congress. This whole experience has stressed me out tremendously, resulting in weeks of inability to perform daily duties. I have limited transportation due to these unlawful denials of my rights. I have missed business meetings and other opportunities due to these violations. I am currently owed at least {$200000.00} in credit.
Product: Debt collection

united revenu corp states that i owe them {$1200.00} dated XX/XX/18 acct number XXXX. I have no knowledge of this account, please have them remove this
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit card

American Express continue to violate my privacy right as a consumer. Conduct deceptive and unfair practices in with on my accounts. I would like to request for a complete account history for the following account from the first day of contract. 

AMERICAN EXPRESS XXXX AMERICAN EXPRESS XXXX AMERICAN EXPRESS XXXX
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed multiple credit inquiries that I find to be problematic.

The first inquiry in question was apparently made by 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 I also filed a identity theft report with ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS IS A RICO-EXTORTION RAQUET, THIER PATNERS IN CRIME HAVE ABSOLUTELY NO EVIDENCE OF A DEBT OWED OR AN INJURED PARTY, I HAVE NEVER RECEIVED A REPORT ON ANYTHING THEYRE REPORTING ON, WHICH IS A MAJOR VIOLATION OF MY RIGHTS AND A VIOLATION OF FRCPA RULES, I AM IN NO WAY OBLIGATED TO GIVE XXXX MY BIRTHDAY OR SS NUMBER EITHER, CHEXSYSTEMS USES DEFORMATORY INFORMATION ON ME WITHOUT HAVING ABSOLUTELY NO PROOF OF A DEBT OR WRONG-DOING COMMITTED BY ME,, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX XXXX, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO XXXX ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS
Product: Credit reporting or other personal consumer reports

I am writing to issue a complaint against Discover Card for an erroneous credit score report. I recently applied for an additional credit card through XXXX XXXX and was denied due to delinquent payment report from Discover Card. I do not own a Discover Card. 

I requested a credit history from XXXX and XXXX only to find out that my ex-wife had opened a joint account in XXXX. I started divorce proceedings in XXXX and was divorced in XXXX. When she relocated to Florida she took the card with her and changed the address. I had no knowledge she was using this card or that my name was attached to the account. She continued charging on the card and making payments until her death in XX/XX/XXXX, leaving a balance due of {$7.00}. I have never received any correspondence regarding this account though they claim I am the primary. Had I known this card existed, I would have cancelled it. 

I have spent many hours on the phone with Discover relaying this information, but their standard statement is, you are the primary. They have no record of who actually took out the card back in XXXX. If they cared to check ( or could ) they would not find any charges by me either. I have since payed the balance due and cancelled the card. Unfortunately that is not enough to change the status from Discover as a delinquent card holder. Although I have explained all this to XXXX, this delinquency will stay on my record until XXXX, unless Discover changes it. I have added a clause to my record detailing this situation in hopes that it will help nullify the damage. I will be adding this same clause to the other credit bureaus as well. This account was NOT my responsibility in any way, shape, or form. They are totally unreasonable. 

I can provide divorce papers, my ex-wifes death certificate, or any other documentation you require to help rectify this situation. Until now I have had a flawless credit history with no delinquency on any mortgage, car loan, credit card, or any other financial responsibility, ever! This will affect my credit status in every facet of my life ( and my wifes ) including relocating, credit applications ( already occurred ) car/house insurance ( due in XXXX ) and many others. 

Im hoping you can help.
Product: Mortgage

In XX/XX/2020, I requested a forbearance under the Cares Act, but was recently notified by PHH that my request was never received. I sent PHH a notice of error letting them know of this mishap and to request a forbearance again. They replied and said that because my loan is in foreclosure I don't qualify for a Cares Act forbearance. I sent a second notice of error pointing out their mistake and for the third time requesting a forbearance under the Cares Act and pointing them to the FHA rules and the Cares Act that says I am eligible regardless of delinquency status.
Product: Credit card

I applied for new XXXX credit card of capital one. It got approved and they send in my mail but before it comes into my mail sombody stole it and activated without my permission and I dont know how he or she took my money spend on XXXX XXXX which was {$370.00} dollars and XXXX more transaction which was {$120.00} and XXXX another transaction {$6.00} from cash advance fees. I asked company and they said we will back the money and will do thourough inestigation on this charges and send u new card. But for my safety i am making complaining because of this.
Product: Credit card

I opened a Macy 's Department Store credit card account in XXXX XXXX. I made some purchases that month and paid my balance in full. I was receiving my statements via email. I made some more charges in XXXX XXXX. However, i never received a statement and forgot about the charges. I then get a phone call on XXXX XXXX, XXXX from Macy 's informing of a past due balance and 5 months late fees. I advised them i never received the statement. They told me that if i would pay the balance off, they would waive only XXXX or XXXX of the late fees. I advised them i was not going to pay any late fees and wanted to appeal the late fees. I paid them the balance and a little extra. After the payment was posted, there were still several months of late fees. I called again and the account supervisor informed me that there had been a computer " conversion '' and some customers had complained about issues with their statements after the conversion. He offered to waive all late fees and advised i would have a zero balance. Before this incident, my credit score averaged XXXX. In XXXX my credit score dropped to XXXX. I have no other credit issues and consistently pay all credit card balances/bills in full and on time. I spoke with XXXX ID # XXXX.
Product: Debt collection

AmeriCollect Inc added multiple medical debts to my credit report. 
Amount {$100.00}, {$130.00}, {$160.00}, and {$230.00}. 

On XXXX XXXX i sent AmeriCollect Inc a certified letter return receipt requested. AmeriCollect has not validated any debt with the original contract with my signature, also they have violated my consumer rights and have no permissible purpose.
Product: Credit reporting or other personal consumer reports

I mailed in dispute letters to Transunion and I received a letter in the mail from them saying they will not honor my disputes because it looks like they did not come from me. Even though I attached a picture of my ID and a piece of mail with my dispute letters. I tried to contact Transunion and they kept telling me to dispute on their website which I do not want to do.