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

Subject : Dispute Regarding Incorrect Account Status Reporting Dear XXXX, I am writing to dispute the reporting of my American Express account status on my credit file. The information being reported is inconsistent, contradictory, and inaccurate, causing harm to my financial reputation and mental well-being. The discrepancies include : XXXX. Delinquent Reporting on a Cancelled Account : My American Express account is marked as delinquent on multiple occasions ( e.g., XX/XX/year>, and XX/XX/year> ), while the account is simultaneously labeled as cancelled or closed. 
It is impossible for an account to be both cancelled and delinquent at the same time. 
2. Outstanding Balance Reporting : The account reflects an outstanding balance of {$4700.00} with a minimum payment due of {$2800.00}, despite being marked as cancelled. This status contradiction is misleading and harmful to my financial profile. 
3. Payment Due on a Cancelled Account : Despite the account being marked as closed, a payment due date of XX/XX/year>, is reported. This further creates confusion and suggests that the account is still active, which contradicts its cancelled status. 

These conflicting statuses can not coexist, as an account can not simultaneously be active with a past-due balance and closed or cancelled. This reporting discrepancy is a violation of accurate credit reporting practices under the Fair Credit Reporting Act ( FCRA ). 

The harm caused by this misinformation is significant and includes damages to my financial reputation, creditworthiness, and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Bank of America shows a balance assist loan 60 days late then written off. It was written off prematurely and was paid prior to 90 days. I remained in contact and since I have direct deposit the repayment was guaranteed within the timeframe. It's false to report the as charged-off. A class action suit should be filed against Bank of America if they have done this to other customers.
Product: Vehicle loan or lease

On XX/XX/2021 I, the original creditor and consumer, attempted to enter into a consumer credit transaction with XXXX XXXX. The " money man '' XXXX came and was rude with me and denied my business because of my nationality. I was very clear about my rights as a consumer and that they were being violated and that I would like to remedy. He denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Checking or savings account

Three separate fraudulent charges were posted to my Wells Fargo account between XXXX. The amounts were {$99.00}, {$99.00} and {$99.00} from XXXX XXXX XXXX XXXX NM.. I called Wells Fargo on the XXXX while 2 of the charges were still pending and the first had been authorized and disputed all 3. I was told that it would be processed and I should hear back soon. Now all 3 charges are showing as approved on my account.
Product: Credit reporting or other personal consumer reports

I provided documentation to both XXXX and XXXX regarding a collection account that XXXX XXXX XXXX XXXX turned over to Credit Systems for collection, which in turn filed a collection account against my credit report. The documentation includes a receipt for payment of my half ( actually more, I paid {$200.00} when obligated for {$200.00} ) in the amount of {$200.00} as well as XXXX 's statement explicitly stating that XXXX XXXX, a mutual client of XXXX who sold us the dog, is obligated to pay the remaining balance. The agreement was made with XXXX prior to it providing its service and once XXXX defaulted, XXXX disregarded our agreement and wrongfully turned it over to collections against both me and my wife who never signed anything. 

Various online disputes and phone calls to both XXXX and XXXX between XXXX and XXXX have gotten nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$4500.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Debt collection

EQUIFAX REFUSES BY PHONE TO REVEAL THEIR CALIFORNIA AGENT FOR PROCESS OF SERVICE.I NEED A NAME AND ADDRESS TO SUE AND SERVE THEM FOR FALSELY VERIFYING A DEPARTMENT OF EDUCATION LOAN THEY REFUSE TO REMOVE ( IT IS NOT MINE ) .BY LAW THEY ARE REQUIRED TO PROVIDE THIS INFORMATION.
Product: Mortgage

XXXX XXXX, Why did it take a complaint to the CFPB to get BOTW to start allocating " Auto payment '' payments correctly? The last six months BOTW has allocated my payments exactly like my Note states. I complain to CFPB in XXXX XXXX and " Auto payment '' begins allocating my payments correctly, beginning with my XXXX XXXX payment, exactly the way I state previous payments should have been allocated. 

How do you expect me to believe a single word you say/print when your explanations about how " Auto payment '' allocates payments is not the way " Auto payment '' has allocated the last six months payments on my account? 

On page XXXX of the ( XXXX Enclosure ) that you provided, it states in the Comments to Activity section on XXXX/XXXX/XXXX that the {$570.00} " Auto payment '' satisfied the XXXX/XXXX/XXXX payment ''. It states on XXXX/XXXX/XXXX the {$570.00} " Auto payment '' satisfied the XXXX/XXXX/XXXX payment and then on XXXX/XXXX/XXXX the {$570.00} " Auto payment '' satisfied XXXX/XXXX/XXXX payment. On XXXX/XXXX/XXXX I made a {$600.00} online payment that satisfied the XXXX/XXXX/XXXX and {$22.00} of the XXXX/XXXX/XXXX payment date. 
On XXXX/XXXX/XXXX " Auto payment '' allocated the regular {$570.00} payment. When these five " Auto payments '' were made, account was paid ahead more than 1 month and " Auto pay '' still debits the {$570.00} regular scheduled payments. 
. 
Beginning with the XXXX/XXXX/XXXX payment the Auto payment plan allocated the correct regular payment amount of {$570.00} even when paid ahead 30 or more days. Exactly the way my Note States. 

Now if the Automatic payment plan would have allocated the regular scheduled {$570.00} payment on XXXX/XXXX/XXXX " XXXX ( XXXX ) '' and XXXX/XXXX/XXXX " XXXX ( XXXX ) '', the way it has allocated the last six months payments, XXXX ( XXXX ) Late Fee 's would not have been assessed to account. 

Correcting the way " Auto payment '' allocates payments on the last six months payments gets us part way there. I simply want you to honor your obligation by removing the XXXX Late Fees that were created when Auto pay failed to debit these two payments like the way it has allocated the last six months payments. 

Please explain why I have not been provided access to any kind of statement on this loan account in the last 8 years? 

I fully intend on taking as much time as it takes to get these corrections made on my account. I have invested a considerable amount of time providing documented proof of mistakes made. I can not hear and I am XXXX so Simply providing a telephone number is not an acceptable response. 

I have provided detail showing that the XXXX/XXXX/XXXX and XXXX/XXXX/XXXX regular scheduled payments were not debited and applied correctly so please remove and credit the XXXX late fees that your Auto pay program created as a result from not properly debiting regular scheduled payments on these two dates. 

It is my hope that this letter explains with enough detail the corrections that need to be made on this account and corrections are made. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPER BY SILENCE, ENGELHARDT v GRAVENS ( mo ) 281 SW 715, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. - XXXX XXXX XXXX - opened XX/XX/XXXX {$47000.00} XXXX XXXX XXXX - opened XX/XX/XXXX {$10000.00} XXXX  XXXX XXXX - opened XX/XX/XXXX {$9900.00} XXXX  XXXX XXXX - opened XX/XX/XXXX {$6200.00} XXXX  XXXX/XXXX  - opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scammed on Zelle. I was trying to rent an apartment off of XXXX. I sent a payment through Zelle to hold the apartment. An agreement was signed stating that if for any reason I wanted my money back before moving in they would return my money. After I had sent money I found another place I liked better, I asked for my money back and didnt get it back. I contacted XXXX XXXX which is who I bank with and Zelle which is where I sent the money from both parties pretty much told me well we cant help you that you were scammed to bad. This is such bad business and Zelle and XXXX XXXX should protect their customers against fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, and since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with federal peace officers pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate/fraudulent inquiries I have listed immediately, the following includes : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
Product: Credit reporting

Called Experian and was not able to help me. 
On annual report.com I put my info in and system will not accept any of the security info system provided me to put in.
Product: Checking or savings account

I have reason to be an unauthorized money market account under my name by Citibank and diverted into an unauthorized account. This issue came to my attention when I made a deposit to cover a monthly fee, which at the time had caused an overdraft on my account on XX/XX/year>. Upon completing the deposit, I discovered that it was incorrectly displayed as being made into a money market account. 

I did not request or authorize the creation of a money market account, nor was I informed of its existence until this transaction.
Product: Credit card

I opened a Home Depot Credit Card account. Months later I bought counter tops. 
When I purchased the counter tops I used a 24 month promotional loan. 
The account had to be " switched over '' to the promo. I was told to check my statement the next month and if I did n't see the promotional terms to return to the store so they could " fix it ''. The conversion did not take place so I returned to the store. I had the account converted and was told I was allset. I waited for a new statement. I received a notice reading I was 30 days late on payment. I did n't pay the incorrect statement, and did n't have a corrected statement so I did n't pay anything as I was n't sure how much I was supposed to pay. At first I thought I lost a bill because I found all of this to be sort of confusing, but I easily could 've paid them had I known they wanted some type of payment. No one made it clear that payment for an incorrect billing term was expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has totally let the breach of XXXX totally cra violation and ftc XXXX  my report up enclosed are the violatons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX  NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XX/XX/XXXX{$3000.00} {$3000.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$750.00} {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. I demand that the following inquiries be verified or removed immediately : 1.The following inquiry is not mine XXXX XXXX  Please remove it from my credit report. 
2.The following inquiry is not mine XXXX XXXX  Please remove it from my credit report. 
3.The following inquiry is not mine XXXX XXXX Please remove it from my credit report. 
4.The following inquiry is not mine XXXX  XXXX Please remove it from my credit report. 
5.The following inquiry is not mine XXXX Please remove it from my credit report. 
6.The following inquiry is not mine XXXX XXXX Please remove it from my credit report. 
7.The following inquiry is not mine XXXX XXXX Please remove it from my credit report. 
8.The following inquiry is not mine XXXX Please remove it from my credit report. 
9.The following inquiry is not mine XXXX  Please remove it from my credit report. 

( FCRA ), 15 U.S.C. 1681 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] 603 - 15 U.S.C.

1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Truth and Lending Act 15 USC 1602 The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

( m ) 603 - 15 U.S.C. 1681a ( 3 ) Restriction on sharing of medical information. * ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Debt collection

I have received NUMEROUS calls from XXXX. This number claims to be XXXX XXXX XXXX. When you call the number, it is Halstead Financial ... a debt collector. They are falsifying who they are. Every debt that I have, I have acknowledged and just can not afford to pay anything right now. I do not want to be contacted by anyone under false notifications. They call ALL the time and I have not received anything in the mail from them. They never mail anything to me regarding their intent or stating they use a fake caller ID. I have pets, when this number and caller ID show up I think it is an urgent matter about one of them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These calls are VERY disturbing.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT has violated my federally protected consumer rights in accordance with the Fair Credit Reporting Act using two accounts from XX/XX/XXXX until XX/XX/XXXX. MIDLAND CREDIT MANAGEMENT has attempted to XXXX, XXXX, and XXXX  me using deceptive, misleading and abusive practices against me, my family and my household by harassing me, committing mail fraud and identity theft. This is criminal activity AND is unacceptable by every means. MIDLAND CREDIT MANAGEMENT couldn't verify either debt in accordance with the Fair Debt Collection Practices Act. The alleged debts can't be legally or lawfully collected on and should have been deleted months ago. After putting MIDLAND CREDITMANAGEMENT on notice that they were in violation of my rights, they continued collection efforts, purposely being non-compliant with the FDCPA while ignoring my prior correspondence. MIDLAND CREDIT MANAGEMENT only complied and deleted both accounts because I reported them along with the violations against me to the CFPB. Violations for BOTH accounts include but are not limited to : Violation, 15 USC 1692 ( b ) ( 2 ) ; Violation, 15 USC 1692c ( a ) ; Violation, 15 USC 1692c ( b ) ; Violated 15 USC 1692d ( 1 ) ; Violated 15 USC 1692d ( 2 ) ; Violation, 1692 ( e ) ( 2 ) ( a ) ; Violation, 15 USC 1692 ( e ) ( 5 ) ; Violation, 15 USC 1692e ( 8 ) ; Violation, 15 USC 1692 ( e ) ( 10 ) ; Violated 15 USC 1692f ( 1 ) ; Violation 15 USC 1692f ; Violation, 15 USC 1692 ( g ) ; Violation, 15 USC 1692 ( g ) ; Violation, 15 USC 1692 ( j ) ; IDENTITY THEFT ; INVASION OF MY INDIVIDUAL AND FAMILY PRIVACY ; DEFAMATION OF CHARACTER AND ADDITIONAL DAMAGES ; I am willing to settle civil liability damages I have suffered pursuant to 15 USC 1692k. If there is a refusal to settle within 30 days of receipt of this notice, I will have no choice but to take immediate court action by initiating the litigation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I called XXXX to open an investigation concerning an item on my credit report from Spring Oaks Capital for a XXXX XXXX credit card. I advised the representative at XXXX that I had not received a letter prior to this item being added giving me the option to request validation and verifcation of said debt. Because I wasn't given the option to dispute with the collection agency before it being added to my report, I asked XXXX to investigate. I logged into my XXXX XXXX app and saw that XXXX has updated this dispute as valid. It has been nine business days so how is this possible? Also, I never received anything in writing proving this was verified. XXXX did not initiate the dispute in my opinion because why has it updated in nine business days as " Meets FCRA requirements ''? I am now requesting this item be removed from my credit report until an investigation is completed.
Product: Prepaid card

In XXXX, I made a large purchase at Kohls.com that was subsequently cancelled by the retailer. While the order was successfully cancelled, the gift card that I used was not refunded and was drained in full to the tune of {$250.00}. In my initial conversation with them on XXXX/XXXX/16, I was told the gift card was being refunded and the funds would be available the next day. This was a conversation with a gentleman named XXXX in the order review department. One week later, the funds were still not available. I called back to the same department and spoke with a woman named XXXX and I was told that the gift card was accidentally XXXX out and that another one would be issued to me and mailed within 30 days. While I did complain about the length of time, they said this was their policy. I waited more than the 30 days and again called to inquire about my gift card ( XXXX/XXXX/16 ). At this time, I was told there were no notes on the account and that nothing had happened with the card since the last time I called. The supervisor apologized and said a card was going to be mailed out. I again waited another 30 days with no card. On XXXX/XXXX/16, I called the same department and spoke with a gentleman by the name of XXXX. He said that the card had still not been sent and he was very sorry. He said that he would personally ensure that it was handled and would call me to follow up on the process. He also assured me that I would receive the refunded gift card in XXXX business days. Today is XXXX/XXXX/2016 and not only did I not receive a call back from him or update on the process, but the card has still not been received. This is fraudulent business practices and I am beyond angry with this process. Kohl 's has had the {$250.00} from my gift card since XXXX, over 4 months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account Number- XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries on my credit reports with Experian, XXXX and XXXX : XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX
Product: Debt collection

I have been getting XXXX calls and voicemails per day from a debt collection company. I have told them that I am not the associated party and do n't know the associated party and to not contact me again. The calls continue.