23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A debt ( {$150.00} property damage ) was paid in full to original property manager XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX provided dated proof of same which is why it was paid as I did not reside there at the time, but realized I as leaseholder was reswposible. ( See proof of payment Attached ) XXXX XXXX has since been sold and under new management multiple times .Proof of payment was provided repeatedly over the last 6 years to various new owners and property managers including Pro Collect. They fail to confirm receipt of debt paid. 

Alternatively they have now produced same debt in XXXX for a new year XXXX which does not exist. I was never, prior to today, provided a bill for duplicative problem in XXXX nor was there damage or did I receive dated photos of same. They ran a duplicative invoice, conduct of which is willfully fraudulent and illegal or wholly inept. 

They also have illegally contacted two family members regarding same. ( XXXX and XXXX XXXX ) and have threatened to destroy my credit The initial debt was from 7 years ago ( See attached XXXX, XXXX. ) I have also personally spoken to supervisors who promise to update records at Pro Collect and they do not. 

This is willful misconduct and/or potential fraud or ineptitude due to duplicative reissue of charges
Product: Credit card or prepaid card

I purchased a XXXX XXXX Card in the amount of {$200.00} on XX/XX/XXXX I registered the aforementioned prepaid card in my name on XX/XX/XXXX by calling the number provided on the card I was informed by a customer service representative that the card was inactivated due to prior transactions attempted before the card was activated. These transactions were not authorized by the cardholder. 

The customer service representative refused to issue a new card number without a fee, despite the card number being compromised before purchase.
Product: Credit reporting

What has happened over the last few years is when I request a copy of my free annual report from transunion they tell me the information they have on file for me does n't match what I have just given them. Then they request copies of sensitive information from me via mail. Not gon na do that. The letter I received from transunion for this year 's request says the address does n't match what they have on file so I need to send them proof of address. Please note i have lived at current address for over XXXX years. Is it legal for them to ask for proof address. In the letter it says i can go on line and request to view it there. So I logged on to there website and tried to view it by answering XXXX questions. My answers did n't match. So I was given a file number. Same number that was in the letter. And a phone number to call. This leads to the second problem, the first name on the letter is XXXX my first name is XXXX. I answered the XXXX question security thing for XXXX of the other credit reporting agencies and I recognized the answers right away. Not the ones from transition. So I have some serious concerns about what 's on my credit report from them. Please help
Product: Checking or savings account

On Saturday XX/XX/year>, at approximately XXXXXXXX XXXX I received a call from my banks number ( XXXX ) XXXX. The Bank is Chime. The caller on the other side asked me the same security questions as a regular Chime Representative and told me that someone in TX was about to make a deposit of {$350.00}. They said the only way to stop this transfer was to do what called a Chime Reversal Payment in order to deny the funds being taken out of my account. They then made me click on a clock and said XXXX XXXX was his supervisor and was authorizing this. The person on the phone said as soon as midnight passes and the scammer from TX attempted deposit fails my funds would be released back into my account. It never came back. They called knew all my bank info etc. It was incredibly believable. I have disputed with Chime 4 times now and they said No Error has been made. They refused to give me a credit. That money was all I had and I feel like Chime doesnt wan na pay me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

As previously stated, experian is continuing to deny my consumer access for disputes directly on their site. EXPERIAN consumer reporting violation, compliance reporting standards violations. PLEASE SEE ATTACHED.
Product: Checking or savings account

On XX/XX/XXXX, a claim was made against my Chase Checking Account. This was a false XXXX $ claim made after a booked session at my studio where I sound engineer. A week into XXXX, my account and its funds were frozen. The claimant can not be contacted through any information I had from when the session was booked, Chase associates continue to tell me they can not give my any contact information, and that I have to let an investigation process go through. Weve found countless pieces of evidence in which makes the transaction false, the person has not reached out to his own bank let alone myself, and Chase does not seem to care. Its been 2 months now, I am an independent college student with over a thousand dollars frozen in an account that Chase investigators have not seemed to look into at all. In a pandemic, the bank Ive used since my first years of High School will not help and they say the persons bank ( which we found out is XXXX XXXX has not sent any notification back to finalize the claim. All my deposits have had to switch to cash, my bills have been late because of this, and I have been put in countless situations by Chase due to them withholding my entire account.
Product: Debt collection

Violation of 809. Validation of debts [ 15 USC 1692g ] I sent SECOND ROUND SUB LLC, a letter requesting validation of debt and they failed to respond with original creditors name, address, original date of delinquency, proof of debt, copy of original contract, payment history and proof of State of Maryland XXXX and Resident Agent name as required by the State of Maryland ; Code of Regulations 7-104.
Product: Mortgage

XX/XX/2016 A week ago we got notice that our house was being foreclosed by Nationstar bank. We had been working on a modification of our loan and after losing our applications three times by facts as they wrapped up interest charges on our loan, XXXX XXXX, " our dedicated loan specialist '' told us that if we made six consecutive payments within a month without being delinquent we would then move on to the modification. We complied " to the letter '' and sent our checks of over {$1200.00} every month as instructed. Now we are told that we never made the payments although our bank statements say the payments were processed so we have proof. As an aside, XXXX XXXX called a while back, and not knowing ( or maybe he did ) he laughed the ENTIRE message and never said a word. No one seems to know where the money went! So over {$7500.00} is lost into thin air! In the length of time it would take us to find out what happened and remedy it if possible, we would lose our house completely without making a XXXX of the {$220000.00} that we put down on the house. So we Sold it immediately so that we do n't lose profit in the amount of approximately {$150000.00}. We were lucky to have a buyer, I guess. There is more to the story and all along the way we 've been lied to as it turns out. At one point, four months we could not contact anyone at nation star because every single XXXX number directed us back to someone that no longer worked there. So now, we are losing the beautiful house we love and have to be out of the house by XX/XX/2016. We are devastated. If there is anything you can do to help us we would be ever so grateful. We never thought something like this could happen to us, but it has. When this all began a YEAR AGO, we were one payment behind and could n't make it up. This IS an urgent matter, and if someone could get back to us as quickly as possible, we would be so so grateful. Our contact information is listed above in my name to be the person contacted. Again our number is XXXX and my name is XXXX XXXX. Thank you in advance! 

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

I HAVE PREVIOUSLY DISPUTED ( Bankruptcy XXXX  XXXX / Reference number XXXX ) WITH EQUIFAX, AND IN RESPONSE, EQUIFAX VERIFIED THE ITEM AS ACCURATE, STATING THAT THEY HAVE VERIFIED THE INFORMATION WITH THE COURT. 

I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 

EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY. 

I EVEN CONTACTED XXXX AND ASK THEM IF THEY VERIFY THE BANKRUPTCY WITH EQUIFAX AND THERE ANSWER NO THEY DID NOT VERY IT WITH EQUIFAX BECAUSE THEY DONT HAVE IT ON THERE REPORT AND EVEN THEY DID DISPUTE IT WITH EQUIFAX TO REMOVE IT. Still, EQUIFAX DID NOT RESPOND TO XXXX!! ACCORDING TO XXXX THE BANKRUPTCY IS UNVERIFIABLE AND HAS TO BE DELETED FROM EQUIFAX REPORT... 

PLEASE FIND THE ATTACHMENT FOR MORE INFORMATION. 

Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case, BEST REGARDS XXXX XXXX.
Product: Checking or savings account

Automatically upgrading to premium checking @ XXXX dollars per month. Should be an opt-in not an opt-out which is buried in fine print. XXXX and ethically questionable
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information on my credit report. I have identified the following account which contains incorrect information and needs to be investigated and corrected : - **Account Name** : XXXX XXXX XXXX - XXXX*Account Number** : XXXX - **Account Type** : Auto Loan - **Responsibility** : Joint with XXXX XXXX - XXXXDate Opened** : XX/XX/XXXX - **Status** : Paid, Closed - **Status Updated** : XX/XX/XXXX - **Original Balance** : {$19000.00} - **Terms** : 75 Months **Inaccurate Information** : - Payment history reflects multiple past due payments that I believe are incorrect. 

According to my records, the payment history reported for the following months is inaccurate : - 90 days past due as of XX/XX/XXXX, XX/XX/XXXX - 60 days past due as of XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 30 days past due as of XX/XX/XXXX I am requesting an investigation into this matter and that the incorrect information be corrected or removed from my credit report. Enclosed are copies of my records supporting my claim that this account was not past due during the periods indicated. 

Please complete this investigation within the legally mandated 30-day period. 
My wife 's name is XXXX XXXX And they are reporting that my wife 's name is XXXX XXXX, this information is also inaccurate and incorrect all the payment stubs say that name does not belong to my wife, here I am sending you a copy of the license from my wife.All the account statements say the same thing and that is inaccurate information. 
Once the investigation is complete, please provide me with written confirmation of the results.15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ), in general it, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from tha file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Solution Provide verification of the following : 1. ) The original Application or contract ; XXXX. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; XXXX. ) Original date of default and collection activity begin XXXX. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( XXXX ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After going through my updated Credit Report which I purchased from XXXX, since the Credit Reporting Agencies failed to provide a free copy of my updated Credit Report 30 days after the date of my disputes, I am baffled to see that that my Credit File still reported the fraudulent accounts and information on my Credit File. The disputed items remained on my Credit Report end yet the Credit Bureaus have failed to provide me with copies of documents giving the fraudulent accounts the rights to continue their erroneous reporting. Let me remind the Credit Bureaus that under the FCRA section 605b, any and all fraudulent accounts must be removed from a consumer 's Credit File if not proven to be accurate. I have been disputing these accounts for 4 months already and yet the Credit Bureaus have not provided a single document. This action is a clear neglect of duty and responsibilities. I am submitting this Complaint to demand to the Credit Reporting Agencies to remove the disputed accounts off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00}. Not only that the Credit Bureaus did not send me a copy of my updated Credit Report, they have not sent any documenst supporting such misleading claims. I demand the deletion of all the fraudulent items completely from my Credit File.
Product: Debt collection

My name is XXXX XXXX XXXX and I am writing this complaint without the assistance of a 3rd party. This alleged debt was settled by tax write off. LoanMe nor their assigns have a UCC 11 lien, past or present, to prove alleged debt. I refuse to pay this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

We recently pulled our credit report and discovered that XXXX is reporting sporadic late payments on our closed account for XXXX, XXXX, and XXXX. 

According to XXXX 's Detail Transaction History for this account, a late fee in the amount of {$84.00} was assessed starting XX/XX/XXXX and for several months thereafter ( see attached ). The Date of First Delinquency ( DOFD ) is XX/XX/XXXX, which XXXX admits. 

According to the Fair Credit Reporting Act ( FCRA ), negative entries can only remain on the credit report for seven ( 7 ) years from the DOFD. Therefore, seven years from this date is XX/XX/XXXX, at which time all negative reporting must be deleted. As of this date, this negative reporting still remains on our credit report and XXXX refuses to remove it. 

This account was closed in XX/XX/XXXX, as it was refinanced with a new XXXX account, which has never been late. We never had any late payments prior to or after this time period. We are requesting that XXXX delete their inaccurate reporting on our credit report immediately.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things accounts beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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: Credit reporting, credit repair services, or other personal consumer reports

Inflection XXXX XXXX product offered by Inflection Risk Solutions , LLC. Decision.and request made by XXXX XXXX. 

To quote the email I received : Thank you for your request to make a reservation or activate a listing using XXXX platform. We have now completed an evaluation of your XXXX  account, which included a consumer report generated using the Inflection XXXX  XXXX  product offered by Inflection Risk Solutions , LLC. 
And XXXX XXXX. 

We regret to inform you that, at this time, XXXX, XXXX has made the determination to permanently deactivate your account due, at least in part, to the following information contained in that consumer report : - Criminal Records Match Inflection XXXX  XXXX  provided information used to make this determination and took no part in making the decision to decline your application, and can not explain why the decision was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, there is an unauthorized inquiry from XXXX XXXX on my Tran Union credit report. Let it be clear, I DID NOT APPLY for an XXXX XXXXXXXX XXXX! Nor did I receive any letter from XXXX XXXX. Trans Union and XXXX XXXX illegally and negligently simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report. This is the FIFTH TIME I am addressing XXXX XXXX EGRIOUS NEGLIGENCE! After the XX/XX/XXXXXXXX  CFPB complaint, I received letters dated XX/XX/XXXX from XXXX XXXX stating that my application may have been declined in error. We apologize for any inconvenience this may have caused. What does XXXX XXXX not understand? I DID NOT APPLY FOR AN XXXX XXXX XXXX! Any application XXXX XXXX received was unauthorized.
Product: Consumer Loan

XXXX XXXX called my place of employment and was shocked I answered the phone. She said they was going to serve me and garnish my wages and stated I am paying {$500.00} a month on a new car which means she ran my credit without my permission and she threatened to garnish my wages which she can not say to me. Last week a lady called from a unknown number and threatened to serve me and I hung up on her and she called back and left a voicemail stating hanging up on her is not going to make her go away. I have voicemail in a email. The next day another lady left a message saying they was coming to my job to serve me and I need to show my id. I have that voicemail in a email also. Both ladies did not id me. They left messages of threat on a voicemail which they can not do. CIG financed a car that they knew had structural damage. I could not register car because it was going to cost me {$3000.00} which I did not have so I had to get another car. CIG has a lot of bad reviews with similar situations that I experienced with them. I used to be a debt collector and I know what you can and can not say or do. I do not like being threatened and scared to go to my place of employment. The last lady called from a XXXX number. I do not know if these people are violent. They sound violent on the voicemails. I am scared for my life.
Product: Debt collection

Called someone I know and associate with on XX/XX/XXXX but is not on the account, never listed on the account and not even a personal reference on the account threatening them for me so they would contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX XXXX  XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$420.00}
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history XXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.