23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

American First Finance have not sent me the necessary information I need to validate the alleged debt. There is a closed account with American First Finance reporting as {$720.00} delinquent which is inaccurate. The debt was charged off and still reporting actively every month on my consumer report. With the account being charged off. I have submitted a 4506-T form to the IRS to get clarification of who received the 1099 form for that account being discharged. The {$720.00} was deemed as uncollectible by American First Finance. There was a write off received by the company. Which make it extremely deceptive for them to try to collect on a debt that is not owed. They have also violated my privacy by furnishing information the consumer did not get to dispute or opt out. They are continuously furnishing information to coerce me into debt that is already paid off
Product: Credit reporting or other personal consumer reports

CITIBANK NA XXXX The balance on this account should be reporting as XXXX. I've contacted Citibank and they do not see any open balance but my credit reports are inaccurately reporting a balance of {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have 2 fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The 2 hard inquiries do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX
Product: Credit card or prepaid card

I signed up for and was approved for a XXXX Credit card in XXXX of 2021. When I made my initial purchase ( only purchase made to date ) I selected the " XXXX XXXX, 60 months equal payments '' At that time the payment for 60 months was to be {$400.00} per month. Recently starting in XXXX, my accounts minimum payment has increased to XXXX dollars. What I have learned in dealing with Comenity Bank and XXXX is that Comenity is no longer servicing XXXX customers. And that the old customers ( such as myself ) were retained by Comenity Bank. Comenity Bank went through a major upgrade on XXXX and there entire system was down for a week or more. After that update, is when my payments changed. It appears that they no longer have me on the " 60 month equal payment plan '' and my account has been defaulted to a standard revolving credit account. I need the terms of my original purchase to be honored. I need any and all late fee 's to be reversed. I have made every payment of XXXX dollars since my purchase. I have tried numerous times to work with Comenity and XXXX to get this resolved. XXXX, although they agree with me and have explained to Comenity what happened, ultimately are unable to help get it resolved. Commenity, is unwilling to listen and to date have not offered any resolve to the matter. I still have my original purchase email which clearly states that I chose the 60 month equal payment option.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX has violated my rights .

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any informati
on relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Never received a phone call from XXXX. Never received a bill. This is due to they were sending it to an address that is not mine. the account was opened with an address of XXXX, CA XXXX. I have NEVER lived here. I have a police report # XXXX. I have sent in a notarized fraudulent letter to the original creditor. The collect Diversified Adjustment services, is still reporting this as a collection on my XXXX account. the fraudulent address is till being reported as mine. recently received a letter from a new collection agency requesting paying for same bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific inaccurate information in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
2018 XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy in XXXX due to a layoff. The only items I included were my personal credit cards. I had a joint mortgage with my wife, that I did not include in my bankruptcy. I never missed a payment, there were no late payments, and the mortgage was paid in full when we sold that house in XX/XX/XXXX. I've contacted the mortgage company multiple times that it was not included, and they have that information, but they keep listing the account as " Discharged in XXXX XXXX Bankruptcy ''. They have the complete payment history showing that it was paid in full, and never late, and not discharged. I'm not sure what I need to do on my end, but I've also contacted their consumer advocacy department to get this corrected, with no progress.
Product: Debt collection

Hi, I had a gym membership with XXXX XXXX. Their payment processor is XXXX XXXX XXXX. I had this membership since XXXX. On my contract, it states that the membership expires on XXXX, but I have been paying literally for 3 years since. Over XXXX XXXX I stopped paying because I sent a letter of cancellation which they refused delivery of and it was returned to me. The contract states that it is void 36 months after its inception which would be XXXX. They sold my debt to First Credit Services in XXXX. This would not be valid because my contract is void and I already cancelled it by certified letter Therefore, I do not owe them a thing. In addition, First Credit Services has never attempted to contact me. I just found out about the debt this week when the gym emailed me when they emailed me and stated that if i paid, they would remove this from my credit. That is not how this works. I believe they breached my contract and are violating my rights.
Product: Mortgage

Bank of America provided me with a printout of fees assessed to my home loan mortgage account dated XXXX XXXX, XXXX. Included in this accounting are fees totaling {$360.00} for Property Inspections, {$27.00} in fees for photos, {$70.00} in fees for yard maintenance, {$400.00} in fees as Litigation Management charge, and {$420.00} in Trustee Attorney fees. 
The maximum charge that may be assessed by Bank of America for Trustee Attorney fee is {$420.00} not {$420.00}. Bank of America overcharged me by assessing my home loan mortgage account by {$2.00}. The overcharge is to be credited to my home loan mortgage account. Additionally, Bank of America has erroneously started the foreclosure process and caused the recording of a Notice of Default. Therefore, there is no justification for any Trustee Attorney fees and the fee is to be reversed. 
The yard maintenance fee should not have been assessed to my home loan mortgage account in XXXX XXXX as I was home and no one announced themselves at my front door to gain my permission to be on my property, let alone maintain my yard. Just to be clear, NO YARD MAINTENANCE WAS PERFORMED BY ANYONE OTHER THAN MYSELF IN THE MONTH OF XXXX XXXX. I know this because that is the month and year I did sustain property damaged at the cause of a neighbor and I will never forget the incident or events occurring around this time related to my property. The Yard Maintenance Service fee should not have been assessed and is to be reversed. 
If Bank of America caused photos to be taken of my property as represented within the fees assessed to and associated with my home loan mortgage account, Bank of America must justify the charge. Otherwise, the photo fees should not have been assessed and are to be reversed. Additionally, please provide copies of all photos for which fees have been assessed my home loan mortgage account regardless of any reversal of the fees assessed. 
It is unclear what services are related to the {$400.00} charge described as Litigation Management Fee. Bank of America must justify the fee or reverse the charges. 
Bank of America has been assessing Property Inspection Fees to my home loan mortgage account since XXXX without justification or cause. The only reason Property Inspections fees are assessed to a home loan mortgage account is due to a necessary evaluation of the property. Bank of America has proclaimed I am not pending in the modification or loss mitigation processes and that Bank of America is not dual tracking by having removed me from the modification process in error and stating the foreclosure process, which would be the only other justifiable reason for any property inspections. Bank of America must justify the Property Inspections and the Property Inspection Fees or reverse the charges assessed to my home loan mortgage account.
Product: Debt collection

I demand that the lawyer named XXXX XXXX XXXX, of COOLING & WINTER LLC, to produce proper documentation for this claim. This lawyer is required, by law, to produce elements such as, but not limited to : the original agreement with XXXX XXXX XXXX, XXXX. with my signature. 
all of the receipts for every transaction that I engaged in during the entire life of the use of the credit card account ending in XXXX, with details of the purchase in each of those transactions. 
payment record during the entire life of the use of the credit card account ending in XXXX up to now. 


On XX/XX/2018, XXXX  XXXX XXXX, XXXX. revealed to the Consumer Financial Protection Bureau ( CFPB ) that the credit card account ending in XXXX was transferred to COOLING & WINTER LLC. Yet the name of XXXX  XXXX XXXX, XXXX. is printed on the case # : XXXX, filed in / registered by the MAGISTRATE COURT OF XXXX in the State of Georgia. 


My request for production is legal and all of it is required by law, in order for, the lawyer named XXXX XXXX XXXX, of COOLING & WINTER LLC, to properly enter the courtroom of the Honorable Judge XXXX XXXX, located at the MAGISTRATE COURT OF XXXX in the State of Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize Veteran 's United XXXX  XXXX to run a credit report on me. Twice they have pulled my credit without authorization. I did speak to a representative and asked that they not pull my credit report. My ex spouse who is the service member specifically stated to the representative that we are not married and that my credit should not be pulled for loan approval. I am not military affiliated and and no longer a dependent of a service member. 
XX/XX/XXXX and XX/XX/XXXX are showing on my credit report as inquiries by this company and also have listed my address as that of my ex husband and we do not live in the same state. 
It appears these inquiries have affected my credit score by a few points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I noticed there were negative items on my credit report that I was not aware of. At that time I started reaching out to Equifax to determine what these items were and what documentation they had to put them on my credit report. 

XX/XX/2019 : Wrote to Equifax to opt out of their arbitration process. No reply from agency. 

XX/XX/2019 : Wrote to Equifax and asked them provide me with documentation to verify the account listed on my report in accordance with the FCRA. No reply from agency. 

XX/XX/2019 : Wrote to Equifax for a second time and asked for documentation to validate the account on my credit report. I received a credit report with validated as correct on the negative items. Still no original documentation as requested. 

XX/XX/2019 : Wrote to Equifax for third time and requested Method of Validation since the accounts were deemed valid. No reply from the agency and accounts are still listed on report.
Product: Credit reporting or other personal consumer reports

Problem : On XX/XX/XXXX, XXXX XXXX I have been calling them XXXX  times a day because once again they negligently reported an {$87000.00} balance on my {$1500.00} secured credit card, violating the Fair Credit Reporting Act 's requirement for accurate reporting under Section XXXX. This error, along with a similar incident for XXXX in XX/XX/XXXX ( previous CFPB claim ID : XXXX, submitted XX/XX/XXXX ), has severely impacted my creditworthiness. My XXXX XXXX dropped from XXXX to XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX to XXXX causing me to lose a {$17000.00} personal loan, A XXXX for XXXX and increasing my credit utilization to 5,813 %, and preventing me from keeping scheduled appointments for XXXX XXXX that I was using my credit union to finance. XXXX XXXX also closed my account on XX/XX/XXXX, provided misleading information about the closure, and refused my payment through US Bank. The original balance of {$310.00} increased to {$550.00} and then {$870.00}. They are now reporting a {$1400.00} balance and claiming I missed a XXXX payment, despite proof of my XX/XX/XXXX payment. Additionally, they are attempting to keep my security deposit. This situation has caused me significant emotional distress, requiring therapy and loss of small business loan which required me to have a XXXX or higher with little no credit card debt and low debt to income ratios I cant recover from this loss without compensation I've taken too big of a loss...
Product: Credit reporting or other personal consumer reports

I was sick with XXXX, in XXXX and XXXX of XXXX. I called and set up a payment arrangement with XXXX XXXX in XXXX, but still received notices about my missed payment, so I called back in XXXX. I set up a payment arrangement on the XXXX credit card accounts I have with them, on XX/XX/XXXX. As part of the arrangement, an auto draft was supposed to have been set up on my account. I called and spoke with a Representative at XXXX XXXX, today, and was advised that they do not have record of me being late or being assessed any late fees from XX/XX/XXXX forward, however, my credit report reflects late payments from XX/XX/XXXX through XXXX of XXXX. I advised of this, and was instructed to dispute the late payments with the credit bureaus.
Product: Credit reporting or other personal consumer reports

Despite my earlier correspondence, these inaccuracies have not been resolved, causing ongoing and significant distress. The presence of these incorrect late open accounts and the charge-off on my credit report is severely impacting my financial standing. It is crucial that immediate action is taken to rectify this situation and ensure the accuracy and integrity of my credit report. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your continued failure to resolve these issues is unacceptable and constitutes a violation of my rights under the FCRA. I request that you escalate this matter and undertake all necessary steps to thoroughly investigate and correct the late open accounts and remove the charge-off from my credit file without further delay. Transparent communication regarding the progress made and the actions being taken to resolve these issues is essential. With this, I am asking for your assistance to correct or remove the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX XXXX XXXX : {$9400.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX. XXXX XXXX XXXX : {$460.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX. XXXX XXXX XXXX : {$3600.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX & XXXX XXXX Balance : {$430.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting or other personal consumer reports

I am writing to you with the utmost urgency and determination to dispute a case of identity theft that has severely affected my financial well-being. It is imperative that TransUnion takes immediate, aggressive action to rectify this situation and restore the integrity of my credit profile. XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Monday morning at XXXX. I woke up and had a text from Chase Bank saying that somebody was trying to withdraw money from my account and was this me. I replied back to the text and said that it wasnt me they replied back to me and said that I had already responded to call Chase when their lines open up. I went to my Chase mobile app and I looked and I saw that {$1900.00} had been removed from my savings account. When chases phone lines opened up I had called them, they said they were canceling my card Sending me out another one and they would Send the information to the fraud team for the fraud on my account. A couple hours later I was at work I opened up my Chase mobile app again and saw that a transaction for {$690.00} was denied and {$3000.00} was moved from my savings into my checking account. So I called Chase back they asked if it was me who tried to make a {$690.00} purchase I responded no you canceled my card I have no access to my money how would I be making a purchase? The woman on the phone said the card that they had sent out three hours prior was already being used by the people who hacked into my account. I never understood how they could have access to the card and it wasnt even shipped out. The woman on the phone also stated that they now had online access to my account and I needed to change my pin and my password my pin was no longer working for my card my account was no longer safe. She sent me out another card and had me lock the one that was being sent. The {$1900.00} that was withdrawn from my account was in XXXX XXXX  on XXXX XXXX at an ATM in person using XXXX XXXX. I have never once used XXXX XXXX, I dont even have XXXX XXXX on my phone. I live in XXXX XXXX XXXX the last willing transaction I used on my account was at XXXX XXXX  in XXXX XXXX XXXX The withdrawals happened at XXXX in XXXX XXXX  four hours away. Geographically speaking it isnt even possible. I have witnesses who can attest the fact that I was home in XXXX XXXX XXXX during the times of the withdrawals. I have my clock in information for Monday morning when I clocked into work the next day. I have never given anyone access to my card, card information, pin, bank information, account numbers or anything associated to my account. Chase has now denied my claim twice. I have removed all of my funds from Chase Bank I no longer feel safe keeping my money with Chase not only did the people have access to my card the first time and take my money, they got a brand new card that I havent even had the physical form off were trying to make purchases through that, and now had online access to my accounts. I had no access to my pin my money my card or my online account. If you need any more information please reach out and let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified fraudulent accounts. Please block/ remove all of the accounts listed below : XXXX XXXX XXXX : XXXX - Opened XX/XX/XXXX XXXX XXXX : XXXX - Opened XX/XX/XXXX XXXX XXXX : XXXX - Opened XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/2020, I immediately contacted my bank to report a scam. After explaining to them my situation, they explained to me that they can refund my funds back into my account but since I said that it was a scam, they immediately went back on their word. Telling me that they can not do that for me because its against policy yet I was scammed out of money using their bank. I went through many different representatives and with so much false hope they were giving me, I was finally told that they couldnt get my funds back from the scammer but could if it was a fraudulent transaction? Beyond disappointed.
Product: Debt collection

XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : AMERICOLLECT INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. AMERICOLLECT INC {$470.00} Account Details Last Reported XX/XX/XXXX Collection Agency AMERICOLLECT INC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$470.00} High Balance {$470.00} Remarks Consumer disputes this account information Medical