23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2023 Navy Federal Credit Union XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, VA XXXX Subject : Billing Error and Missing Remittance Coupon for Cash Rewards Credit Card - Account Number : XXXX Dear Navy Federal Credit Union Billing Error Department/CFO , I am writing to address a billing error and a missing remittance coupon regarding my Cash Rewards Credit Card account with Navy Federal Credit Union . I am reaching out in accordance with the provisions of the Uniform Commercial Code ( UCC ) Section 3-603 and UCC Section 3-311, which govern negotiable instruments and are relevant to this situation. 

On XX/XX/2023, I received a billing statement indicating a charge of {$3500.00} on my Cash Rewards Credit Card account with account number XXXX. However, according to my records, this charge has already been paid in full on XX/XX/2023, through a negotiable instrument, specifically a check payable on demand by the bearer. 

As per UCC Section 3-603, a person who has already paid an instrument in good faith and for value has the right to the discharge of the instrument. Therefore, I kindly request that you update my account records immediately to reflect that the aforementioned charge has been satisfied and the instrument has been discharged. 

Additionally, I have noticed that the remittance coupon associated with the aforementioned negotiable instrument has not been returned to me. According to UCC Section 3-311, the remittance coupon is an essential part of the instrument, and its loss or non-return should not affect the underlying obligation. Therefore, I kindly request that you locate the missing remittance coupon and provide it to me as soon as possible. 

I urge you to handle this matter promptly and in compliance with the UCC provisions mentioned above. I kindly request that all future communications regarding this matter be sent to me via mail. Please provide a written response to the address mentioned above. 

Thank you for your immediate attention to these concerns. I expect a timely response and a satisfactory resolution to rectify the billing error, discharge the instrument, and provide the missing remittance coupon in accordance with the applicable UCC provisions. Your cooperation in this matter is greatly appreciated. 

Yours sincerely, XXXX XXXX XXXX, XXXX XXXX Agent Without recourse Enclosure : A second remittance coupon Sent certified mail XXXX delivered XX/XX/2023.
Product: Debt collection

i entered into a consumer transaction with Capital one in which a finance charge was involved. according to 15 USC 1605 a finance charge is a sum of all charges in a consumer transaction. i had also to to purchase separate auto insurance separately which was suppose to be included in the finance charge
Product: Credit card or prepaid card

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified i

n 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Capitol one Bank due to the response I received. I was told i was denied an increase for recent delinquency of my consumer report which currently is very false as I have no recent delinquencies at all I have been with capital one for a few years now with no issues and no late payments and I have not been grant and increase in over 2 years. This is very unfair as I have had an outstanding history to date
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$21000.00} Open Date XX/XX/XXXX inquiries XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XXXX XXXX, XXXX
Product: Debt collection

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEYRE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTION MADE BY ME.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following accounts and inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries were opened or made fraudulently in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their removal. 
Accounts to be Blocked and Deleted : XXXX. DE CHILD SUP XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$23.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$3.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$610.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$660.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$350.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX o Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

someone has been trying to purchase a car in my name. its XXXX inquiries on my credit report that i didnt authorize. im also a victim of Equifax data breach and Equifax is the worst to remove these inquiries. i have sent documents for over XXXX months and they refuse to remove these item.
Product: Consumer Loan

XX/XX/XXXX I took out a loan to refinance my XXXX Buick Encore from One Main Financial, XXXX XXXX XXXX XXXX XXXX, CO XXXX with XXXX XXXX. XXXX XXXX called and stated several times that she could consolidate the signature loan I had at the time and the new refinanced auto loan. She said I qualified for a good rate and could pay off my car in less time as my loan with XXXX XXXX. She said that my payment would be about XXXX per month in total. I went in on XX/XX/XXXX to do paperwork on the loan. On this date XXXX XXXX stated that I also qualified for an additional XXXX within the confines of the loan. She spoke and spoke a lot and I signed the papers as she printed them off. 

The following week, I received papers indicating the payoff of the pre-existing loan. Then on or about XX/XX/XXXX, I received a call from a women at the branch who would not identify herself. She said she was the manager and that the loan I received did not payoff the existing loan and that they would continue to take payments for that loan and for the new loan. She said that I had until XX/XX/XXXX to return the XXXX and the loan would be null and void. I had used the funds to pay legal fees so I did not have the funds. This women belittled me and stated that if I had read the loan documents I would know that the total loan would have been closer to XXXX. I would have returned the funds easily if I would have been called the XX/XX/XXXX. I am currently paying this company nearly XXXX per month. I feel I was a victim of fraud and mislead. I feel I was pursued with malice. 
I was also zealously encouraged to purchase the life insurance policy. 

I have suffered XXXX since XX/XX/XXXX and have been so impacted by this. I only now have been able to take the papers out and look at them. I have been making the payments faithfully.
Product: Mortgage

Previously I got behind with my mortgage due to me being out of work due to me having XXXX. I was behind on my mortgage from about XX/XX/XXXX to XX/XX/XXXX. I paid all of my mortgage in full by XX/XX/XXXX. By XXXX I was current on all missed payments as well as paid all late and escrow fees. The company is still stating I am delinquent as well as reporting it to the credit bureau as me being delinquent which is falsely negatively impacting my credit. All documentation stating payments have been made have been sent in including documentation from my bank to the customer via email. I previously had an issue with Freedom Mortgage stating my checks were not being received and I did stopped payments ( XX/XX/XXXX and XX/XX/XXXX ). Soon as I paid them by phone the next day they attempted to cash both checks which were sent 7-10 days  apart from each other. Payments were made in XXXX and there were several payments made in XXXX. Then to bring me current I made the below payments : XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$260.00} ( Late Fees ) XX/XX/XXXX {$16.00} ( Escrow ) XX/XX/XXXX {$760.00} Payments were sent via email via my bank statement. I called today XX/XX/XXXX and was transferred back and forth between representatives acting like they cant tell me anything or know anything. This has become very frustrating especially when a pay history was sent via the mortgage company and all payments were reflecting but the ones prior to the statement being sent. 

I have called Freedom Mortgage so many times I have lost count. I have been trying to sort this issue out since XX/XX/XXXX. 

This has become extremely stressful  and frustrating especially when I made every attempt to become current because Freedom Mortgage would not offer any assistance when I was out of work due to me not having any income coming in.
Product: Credit card

I was contacted via mail from First National Collection Bureau , Inc stating that I had XXXX collection accounts for XXXX credit cards that I never opened. I called the number listed on the letter that I received and proceeded to give my personal information ( name, address, social security number ). They attempted to tell me to that I would have to pay XXXX a month to resolve the debt of over XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had an Experian report mailed to me and noticed that my oldest credit card is completely missing from my report. Its a 4 year old   XXXX   XXXX    account that I still have opened and is in great standing. This account only has three 30 day late payments in  XXXX ,  XXXX  and  XXXX . No major delinquencies at all. I called Experian ( XX/XX/XXXX ) to notify that it was missing and the rude representative stated it was a delinquent account so they removed it. The   XXXX   XXXX   account still reports to   XXXX   and  XXXX  perfectly. If they just remove delinquent accounts at their leisure, then why do n't they remove my student loans??? Everybody knows that   XXXX   XXXX   reports to all  XXXX  bureaus! To make matters worse, the mentioned account appears on my fiancees Experian as we share the same account. We also share another ( younger )   XXXX   XXXX   account and that account shows on both of our reports but the oldest account does n't show on mine. Apparently the name of the game is to keep the bad accounts and mysteriously delete the good ones? This is beyond ABSURD!!!!!
Product: Credit reporting or other personal consumer reports

I have reach out to XXXX XXXX XXXX several times to found out who is the original debt collector and why after 8 years do they keep falsify the age of this debt. in the amount of XXXX spoke to them in 2017 on removal of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below were reported on my credit report 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. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureaus are reporting inaccurate information on MIDLAND FUND ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file
Product: Credit reporting, credit repair services, or other personal consumer reports

I m been trying to get incorrect information off my report that never give consent to reporting on. Plus all of the incorrect information are out of dates statue of limitations and the balance are wrong as well. The collection agency are not legally allowed to work in the state I live, plus I being charged more than once for the same bills of which are over 6-8 years old. Im a very XXXX person who been on XXXX for over 23 years. There is also wrong reporting of my personal health and insurance information and this wrongful reporting is costing me very stressful time unable to access insurance help caused of its miss reporting. Its causing my health care to fail and my family finances to suffer. Im really struggling to get through to the people who is involved in fixing these problems on m credit reports. One of the reporting agencies has been helpful they the proper charges for making my report accurate but has one still wrong. The show opened account that at also showing closed and the balances are wrong to. This information is not accurate because I never received any notification from the consumer reporting agency about the debit or doctor bill that they are reporting on. No verification has been provided to me yet my personal information is publicly known and accessible by any one. I can not get into my home without help. I have identity theft because of the reporting wrong information my XXXX  benefits have been stolen and the security system has failed because of the wrong information reported by these companies and agencies selling my data.
Product: Debt collection

I have never had XXXX XXXX XXXX. This was disputed once before and removed from my credit profile nearly a year ago and now it reappears.
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense!

- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
US DEPT EDXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was sent info to reduce my credit card payment and discover did not keep ther end of the deal and are still attempting to collet from me. but i made the payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters to verify my accounts. After the company recieved the letters to delete false reporting information. They told me they felt all my information was accurate. 
Under 15 U.S. Code 1681I ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. 

I did not give permission to any agency ( XXXX, Equifax, XXXX, XXXX XXXX and XXXX XXXX ) to report any information ; especially inaccurate information. I have called numerous of times and sent numerous letters. failure by a consumer to provide sufficient information to investigate the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to Experian dated XX/XX/XXXX and received XX/XX/XXXX according to USPS certified receipt. In my letter I requested the validation of this account and disputed the transactional history listed on my credit report as XXXX XXXX XXXX I requested that the account be investigated as I did not recognize it. Additionally, I questioned a late payment for XX/XX/XXXX which again I was not familiar with. I requested the deletion in accordance with FCRA 1681a ( 2 ) ( a ) ( i ) which states NO REPORT SHALL INCLUDE experiences and transactions. As of XX/XX/XXXX via the attached Experian report the account has not been removed nor has the account been flagged as " Disputed by consumer ''. This violates the FCRA and must be deleted immediately. Experian 's Investigaton has exceed the 30-day window.
Product: Mortgage

I was doing a rate check to refinance. The agent that I spoke with informed that the call was being recorded for improvement of their staffs or as arecord. the agents I spoke with agreed not to run my credit. Lately, I learned via XXXX XXXX these the following entity/ies made a hard search on my credit. It has been over XXXX days since I made a former complaint to thebanks and credit reporting agencies for corrections including their 3rd partysearch agents. 
I 'm asking that you kindly use the services of your good office to help meresolve this matter. My home is up for foreclosure I need my score fix torefinance. The entity are as follows:1 ) Citibank Retail via Citibank NA ( XXXX ) 2 ) Citi Financial XXXX DEF via CitiFinancial Mortgage ( XXXX ) Note : Citibank put a foreclosure on my property. they refused to " modify '' my loan, yet they have XXXX hard credit search without my knowledge orconsent that make it impossible among others to refinance as I 'm strugglingto refinance before their sale date. 
The others are:3 ) XXXX via XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX via XXXX XXXX ( XXXX ) Note : I wrote the these banks and informed them - " Your credit inquiry is damaging my credit rating. I did not ask for or approved a credit check at no time. Provide full documentation regarding the circumstances surrounding your review of my XXXX XXXX credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act '', but to no avail. 
The inquiry was placed on my consumer file on this date:XX/XX/2014. 
I noted, " If you can not provide such documentation, you are obligated to remove the offending inquiry at once. '' Please help. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Resurgent Correspondence at the address listed on their website, Resurgent Correspondence, C/O LVNV FUNDING LLC, XXXX XXXX XXXX XXXX, SC XXXX, asking them to provide proof that they indeed have a signed contract with my signature to collect on this account. 

Per law, I provided them 35 days before sending a second written request dated XX/XX/2023, asking for the same information, but as of this date, I have not received any type of correspondence from this company. 

They have consistently added a {$6.00} fee to the balance and have been reporting this to my credit files each month causing my score to decline monthly.
Product: Debt collection

ALLIED COLLECTIONS SERVICES ( XXXX XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I have never been in association with this company. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through by someone other than me through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Mortgage

I have wired through one of Chase branches in XXXX XXXX, the exact Reinstatement Amount of {$43000.00} to JPMorgan Chase Bank In order to remove/withdraw their wrongful foreclosure proceedings on my residential property.

However, the Chase Executive Ms. XXXX XXXX, and it's trustee, XXXX XXXX XXXX XXXX are not honoring even their own rules and regulations, she wants the Total Payoff of {$100000.00} now in order to remove their wrongful foreclosure proceedings with Sales Date of XX/XX/2019 at XXXX XXXX on my family resident.

She knows I can not prepare XXXX in such a short time. That's why I asked for minimum reinstatement amount to avoid foreclosure without resorting to Chapter XXXX- bankruptcy filing.

I appreciate you assistant in bringing JPMorgan Chase and it's foreclosure trustee, XXXX XXXX XXXX XXXX. " Quality '' to their senses, and stop harassing my family with their fraudulent default claim as explained in my previous complaint about them on XX/XX/XXXX.

My previous complaint ID is. XXXX, submitted XX/XX/2019. Product : Mortgage Issue wrongful foreclosure.

Thank you, XXXX XXXX Tell : ( XXXX ) XXXX Email : XXXX XXXX
Product: Mortgage

Shellpoint is my mortgage servicing company. They are supposed to pay my insurance and property taxes through my escrow account. They did not pay my taxes for XX/XX/2020. I received a letter for past due taxes from the state. I have been trying to contact to resolve this and they are giving me the run around. I've call over 10 times and no one answers. I emailed about 15 times with no resolution. They are stealing peoples money and not applying it to the account as legally obligated to do. They are taking money out of the escrow for purposed other than intended. They refuse to answer the phone and rarely respond to email. Their website isn't working. I haven't been able to log into my account for over a month to try to see what's going on. It is obvious there are trying to hide what they are doing to people accounts. I can't even make a payment online anymore. I have to physically mail a check.
Product: Consumer Loan

this is a supplemental complaint about Santander Consumer USA They failed to provide any documentation that they actually moved XXXX payments to the end of my loan as promised. Nor did they ever send me the necessary paperwork to sign to authorize this. I am demanding that they provide documentation and I also demand they provide transcripts of all phone calls between me and the various customer service representatives, they claim all calls are recorded. This will confirm my earlier statement that I have been told by various representatives I can make the minimum payment of {$180.00} and will be current.