23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX and XXXX took me to court for an XXXX XXXX XXXXXXXX credit card debt several years ago and I explained to them I was in the process of applying for XXXX and since I was awaiting a response had no income which caused this to occur. I spoke with the Attorney after the court proceedings and supplied my XXXX paperwork and other information to him. He advised me he spoke to XXXX XXXX XXXXXXXX and explained the circumstances and they agreed to write this off and stop collection activity yet the company has contacted me on multiple occasions since then threatening another legal action once and now again asking for me to pay them lump sum. I have called them multiple times since and explained asking for an attorney to contact me about why they are not following agreement but no one calls me back. The attempts stop for several months or longer then start again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began aggressively disputing the below accounts since  XX/XX/XXXX  when I noticed they was charged off.  <P/>  1  )   XXXX   XXXX    XXXX   2 )    XXXX   XXXX    XXXX   3 )   XXXX   XXXX   4 )   XXXX  (  FOUR  ACCOUNTS )  XXXX   5 )    XXXX   XXXX   XXXX    ( been disputing since   XXXX   XXXX   )   XXXX  My initial dispute online was I no longer had a valid contract with the companies and the accounts needed to be deleted because with the charge off the company had wrote off the debt and sold the debt to a 3rd party therefore it wasnt a valid contract with the them anymore and was legally now considered inaccurate reporting.  <P/> In response the credit bureaus  1  ) told me the debt was valid,  2 )  reported it as fraud and  3 ) ch anged the status of the account from charged off and closed to charged off and open. None of which addressed my complaint.  <P/> Because of their response, although neither of which was my complaint, I then sen t TWO l etters  (  XXXX   and  XXXX   XXXX  ) asking for validation for the debt since they were stating it was a verified debt.  <P/> What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account. I was even told my dispute was frivolous. Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT THAT DIDNT HAVE A VALID CONTRACT.  <P/> FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information. I have sent in identity theft report ( as required by the bureau ), yet no one has deleted these accounts when I have proven they are not mine nor can a simple contract with my signature be given to me.  <P/> Inaccurate reporting is occurring because :  1 )  Since the bureau assist on the validity of the account, the charged off account no longer has a valid contract and the credit bureau cant furnish evidence of such valid contract and it is 90 days into the investigation.    2 )  The original creditor has sold or transferred the debt to a collection agency, but a past due amount is still reporting, which is illegal according to FCRA rules.    3 ) T he bureau claimed to have investigated the validity of the account ( something they initiated and I followed up on ), but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.
Product: Debt collection

Received a phone call from a representative who stated they worked for Alliance Collection Services a few months ago. Rep stated I owed {$370.00} for a medical bill. Rep requested my credit card info over the phone to take care of bill. I immediately informed the rep that I have no recollection of what debt she was stating I owed. I requested that they send me the information in writing to properly confirm it because I'm not comfortable giving my information over the phone. To date, the collection agency failed to provide me a written notice of the debt I owed. Feeding forward, I was served ( summoned ) a demand letter from XXXX XXXX XXXX at my place of employment which stated I was being sued by Alliance Consumer in the amount of {$600.00} ( includes attorney and court fees ). 

I called Alliance to gather more information on why I never received my written request to verify the debt. The rep stated that they mailed me a letter. I ask the rep to verify the address they sent it to. The address in which she provided wasn't my mailing address. They were sending the correspondence to the wrong address hence the reason I never was able to take action on the request to pay. I informed the agency that I will pay the {$370.00} in which I now see was owed ( in writing ) however, I want to make a complaint on suing me for debt without providing written notice prior to as I requested months ago. I want my money back for the additional court/attorney fees.
Product: Checking or savings account

I deposited a check to my checking account eight days ago. I found out the bank the check was drawn on had paid the check days ago. My bank refuses to release the funds. I called my bank and asked repeatedly for an explanation as to why and the bank specialist hung up on me. Why do they get to have my money and refuse me access to it?
Product: Vehicle loan or lease

Wells Fargo Would apply my payment to someone else 's account and say I was late or never paid the payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my annual free credit report, XXXX, XXXX, and Equifax are all saying they can not verify my Identity and that I must request it in writing. They do not want to give me a copy of my credit file as they are refusing, they as all three credit bureaus are wanting me to send copies of my utility bills and drivers license, and my Bank Statement to them by email. 

I have filed several complaints against them so they have my information on file, I refuse to share my Banking information with the and I do not pay a utility bill as my sister pays that, My drivers license expired but I have a U.S. Passport and still have my Drivers License. but they are refusing to use my Passport as I.D . 

As they have several complaints that I have filed against them through your agency, they have all of my information and there should be no reason for them to deny my request for an online credit report and score, I am willing to pay for the score but the report should be free every week. They are making it difficult for me to see my credit file. 

Your agency has all of my complaints and their responses since 2018, so I would like access to pull my credit report as your agency has every request and their responses, thus they can not say the can't verify my info. 

I have the rigiew mit files online like everyone
Product: Credit reporting or other personal consumer reports

Recently I pulled my credit report because i was denied for auto refinance and was curious why. To my surprise I noticed a few errors not limited to my social security number being listed wrong on my XXXX credit report, multiple inquiries I did not approve, accounts that are now in collections that I did not approve and late payments that are not validated. I need the accounts attached to the incorrect social security number deleted and my social updated to the correct. Also, any fraudulent accounts now in collections also need to be deleted due to fraudulent activity and not being validated. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  ) ( Account 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my 3 Bureau credit report XX/XX/XXXX. After Reviewing my reports. I noticed there was an account that had a 30 DAY late payment. 
XXXX XXXX XXXX XX/XX/XXXX As a consumer I have rights that should be abided by. To my knowledge I am subject to an investigation about this instance on my report. I understand, By Law you are required to report accurate and verifiable information but you are not respecting my consumer rights. I am requesting there be an investigation.

BELOW ARE THE LAWS THAT ARE BEING VIOLATED : Under the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I understand that these are supposed to be reported but if things such as late payments are being reported it goes against the definition of a consumer report ( as I state above ) which makes it inaccurate and unreliable. BY law its not considered a consumer report because it isn't Fair and accurate information. 

Late payments are considered a transaction, the law clearly states Reports containing information solely as to transactions and experiences between the consumer and the person making the report. 30 Day Late Payments are considered Transactions. Therefore, this 30 day late payment should be investigated and Reversed to read ok.

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not grant permission for anyone to furnish such things on my report. Unless it is written consent by the consumer ( me ) these types of report information should not be reported. 

XXXX XXXX XXXX XX/XX/XXXX Failure to comply satisfactorily with the reversal of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I am prepared to take any necessary legal actions if demands are not met. Reverse the late payments for XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I am writing this letter regarding my mortgage loan, which has not been reported to any of the 3 major credit bureaus. Below are the details of my loan : Loan Number : XXXX Servicer : Shellpoint Mortgage Loan Transfer Date : XX/XX/year> Since the loan was transferred to Shellpoint Mortgage on XX/XX/year>, it has been more than two months, and I have yet to see this loan reported to any of the credit bureaus. Furthermore, I have since paid off the loan in full, but my credit report still does not reflect any information about this mortgage, including its status or payment history. 

This lack of reporting is impacting my credit file and potentially my credit score. I respectfully request your assistance in ensuring that Shellpoint Mortgage reports this loan to the credit bureaus in a timely and accurate manner. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Credit card or prepaid card

called credit card for kohls and wanted explanation for high APR and protected balance interest. I never authorized this insurance for protected balance and yet getting charged. Pay on time and pay more than minimum amount and APR high. Requested removal of Protected balance customer service could not explain or remove. I have excellent credit and see no reason for this insurance. I pay XXXX per month and only XXXX is applied to balance interest total each month is XXXX or so.
Product: Credit reporting or other personal consumer reports

I am writing to formally address your agency 's failure to remove certain items from my credit report, despite my dispute letter dated XX/XX/year>. In that letter, which is both dated and time-stamped, I provided clear evidence and requested the removal of specific items. However, these items remain on my report, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, as outlined in 15 U.S. Code 1681b, Permissible Purposes of Consumer Reports, I have never provided written consent for your agency to report any information on my consumer report. Lack of consent constitutes Identity Theft, and therefore, these accounts must be deleted immediately. 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

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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 written instructions.
Product: Credit card

I have several disputes with XXXX for different reasons. This useless bank is not helping me with these disputes. They are closing these disputes without even trying to help me. They ask me for documents. I send them documents and it's never enough for them. It's like they can't be bothered. Useless!
Product: Credit card or prepaid card

I receive my SSI benefits on a XXXX XXXX Master Card ( this is the card Social Security suggests ). On XX/XX/2018 {$1700.00} was wire transferred off my card. I contacted XXXX XXXX XXXX Fraud Dept and they had me fill out a questionnaire and cancelled my card to start an investigation. I was told {$1700.00} was wire transferred off my card. A new card was issued. On XX/XX/2018 I was contacted that {$1000.00} was put back on my card. When I asked why the original amount of {$1700.00} was not put back, no one could answer me. I immediately went to withdraw my money but could not. I called XXXX XXXX again and was told {$1000.00} was wire transferred off my card. Again, XXXX XXXX cancelled my card and had me fill out another questionnaire. I have repeatedly asked XXXX XXXX to mail me a check for the {$1700.00} which they refuse to do. They said they will start another investigation for {$700.00}. I asked why it keeps going down and again, no one seems to know. I explained that there are over 150 complaints against XXXX XXXX for money being wire or bank transferred from their cards. I reiterated that there is apparently a huge issue with my account and would like a check mailed. XXXX XXXX refuses to send a check. I am still without my {$1700.00}
Product: Debt collection

I XXXX XXXX, received information from PayPal Credit XXXX Synchrony Bank XXXX stating owe XXXX i contact them and told them I didn't owe the amount, please send me a invoice or a statement where I sign for the amount they did a Fraud investigation, and send me a letter that said. ( You authorized, participated in, or benefited from the purchase ) that's not was i requested. On XXXX XXXX i received statement from the credit bureau. With the purchase in my name. I keep telling them that's Fraud. Please remove my name. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 To Whom It May Concern, Over 45 days agoXXXX wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : 1. The following account is not mine U S DEPT OF ED/XXXX/XXXX  This is not mine. 
2. The following account is not mine XXXX XXXX XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX XXXX  XXXX XXXX XXXX This is not mine. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
Sincerely, XXXX XXXX
Product: Mortgage

I have had an impeccably record of paying my dues to the mortgage bank for 8 years and in XX/XX/2022, I was told my XXXX payment was not received. This was communicated to me by HSBC ( mortgage bank ) while I was on using the pay over the phone service for the month of XXXX XXXX. I was told my bank XXXX XXXX XXXX ) returned the payment request for an unknown reason although sufficient funds were available as indicated on the attached statement. 
Details of the events are as follows : XXXX for XX/XX/2022 was initially paid over the phone on XX/XX/XXXX. Two weeks later I noticed the funds were not debited from my account and I called HSBC to enquire about the transaction. I asked for the agent over the phone to investigate why the payment was not completed but was unable to establish a cause. Why crosschecking with the agent, I realized they had incorrectly logged my account ( XXXX XXXX XXXX ) as a checking instead of Saving. The correction was made and I was assured by the agent this should rectify the problem. No communication from HSBC for weeks thereafter until I made the phone call in XXXX. I have attached the account statement for XX/XX/2022 plus my communication email with HSBC. I raised an official complaint with HSBC shortly after but they were not willing to own up to their failure to contact me and reported my payment as late with the credit bureau and my XXXX average credit score plummeted to the low XXXX. I do not feel this case was handle fairly and would like your help with it. Many thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

.there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

.there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be a problem with the Credit Reporting Agencies. I submitted a complaint because they we 're not reporting my balances and accounts as they should. Now they have added the accounts that I have paid my balances to XXXX, and my credit score has n't increased. I have gotten my balances way below 30 % and my credit score has stayed the exact way. I have paid off XXXX credit cards to XXXX balance, and my score has n't changed. I am beginning to feel that there is some sort of discrimination going on with the reporting agencies. I had XXXX credit cards that are now XXXX balance why has n't my score changed. When I was over my 30 %, my score dropped almost XXXX points. Now that I have those balances below 30 % my score is still showing no increase. I need this investigated, this is becoming very frustrating. I do n't trust this system what so ever, I have done my part, and this system is not doing it 's part. It is very disappointing, especially if I am working very hard to keep my debt balances low. I will be finding a lawyer, according to the Fair Credit Reporting Act. I will sue Equifax, XXXX XXXX XXXX XXXX and whoever. This is causing so many problems on every level. I am going to be purchasing a home, and they are not fairly reporting and increasing my score as it should My score should be increased to almost XXXX points. I 'm tired of what 's going on, and I will be seeking legal representation on this. Please help me, CFPB. If you see my attached document, my score was at XXXX with XXXX before they added all of my accounts that I paid down to XXXX, and when they added these accounts, my score has n't changed it is still the same. Also for Equifax it has n't gone up hardly any points after paying XXXX credit cards to XXXX, and experian this is so frustrating.
Product: Credit reporting or other personal consumer reports

I have disputed with this creditor XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and perform an investigation. The creditor has illegally reaged my date late active from XX/XX/XXXX to XX/XX/XXXX. Tranunion is missing date last active and is unverifiable. Transunion failed to do update my account and do a proper investigation.the creditor Last reported on my account XX/XX/XXXX even though my I sent my dispute XX/XX/XXXX. Todays date XX/XX/XXXX I have not received a update of a Re investigation from this creditor
Product: Credit card

There was identity theft and my identity was compromised. 
I have filed for a police report and the FTC identity theft victim affidavit report, and copies have been forwarded to this bank Fraud and Claims department. 
Discover Card did not address this issue, and this is a claim filed per Federal Trade Commission, a file putting in complaint dispute with credit institution on debt collection and mitigating loss incur by XXXX of " ALSO XXXX '', " ALSO XXXX '', " ASLO XXXX '', XXXX '' and Discover Card. 
Payments were made and reversed by above mentioned company " ALSO '' using my identity information and accesses my account to fraudulently reversed payments and embezzled.
Product: Debt or credit management

I have unauthorized inquiries on my credit report that i did not recognize and i wanted them removed from my credit report because it is hurting my credit.