23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 at approximately XXXX XXXX  I received a telephone communication via text message from Harris & Harris ltd trying to collect an alleged debt on the behalf of the city of XXXX XXXX On XX/XX/2022 I sent Harris & Harris a CEASE & DESIST NOTICE via certified mail to their company address letting them know I did receive their communication about a debt they are trying to collect on behalf of City of XXXX and, I requested that Harris & Harris ltd to provide any documents that makes them believe I owe this alleged debt. I also received another telephone contact on XX/XX/2022 via text message from Harris & Harris around XXXX est in regards to the previous alleged debt. The text message states that I should login and pay using my license plate number. Harris & Harris may be violating the ( FDCPA ) FAIR DEBT COLLECTION PRACTICES ACT as well as my right to privacy pursuant to ( FCRA ) I did inform Harris & Harris in the cease and desist letter that I dont take any responsibility for this debt and, I dispute having any obligation for this debt. I also made it clear that if they stop their collection of this debt and forward it or return it to another company to indicate to them that it is disputed. Also if it was already reported to a credit bureau to inform them the debt is disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, its been past 30 days and I have yet to receive valid response on my dispute. I want to know who verified the debt. By law in 30 days with no response debt should be remove.
Product: Credit reporting or other personal consumer reports

Over 30 days ago, I sent letters regarding inaccurate and unknown things on my credit report. Up until this point, I haven't received any word or feedback from the consumer reporting agencies on the status of my disputes or complaints. I feel like I'm being ignored and my disputes are being taken lightly. In section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days is a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand these accounts be deleted immediately. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. My name is XXXX XXXX. Any variation of my name besides that is not me and I demand it be deleted from my consumer report. The address that I live at is XXXX XXXX XXXX Any variation of that address that says otherwise is not correct and shall be removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am locked out of my Experian ACCT by the hackers I reported. I reported identity stolen 3 days ago. Today I got alert someone hit my LOCKED CREDITN DROPPED CREDIT SCORE 11 PPoiNTS. PLEASE ADVISE EXPERIAN TO REMOVE FRAUD ATTACKS AS. CREDIT IS FROZEN. Return 11 credit points to my credit, please.. THANK U
Product: Credit reporting or other personal consumer reports

This is my second time writing for these companies to update my personal information on all my credit reports.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. 
2. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to erase wrong personal information from my report. They send out report with statement of updated but not erase.
Product: Credit card or prepaid card

1. Capital One has yet to pay me for unnecessary time spent on their issues with my accounts. Bill enclosed. 2. Capital One owes me {$24.00} in over payment on account ending in XXXX. 3. Capital One has not fixed their issues with my online account, not showing account ending in XXXX. 4. This is my last attempt at mediation.
Product: Debt collection

I have disputed this account on my credit multiple times, and it I have received no information about it from anyone except verification from the credit bureaus. I thought I had a right to request validation, so I looked online, found a dispute/validation letter and sent it to Jefferson Capital, they have not sent me anything. Please help me!
Product: Consumer Loan

I finance a car with Kia Motor finance, sense XXXX until now. They been accusing me of non-payment. They been charging me late fee with three to five days late. They not suppose to been charging unless I 'm ten days late. It 's been going on for years they been robbing me out. Every single month of this year I 'll been paying them, and they claim I have n't. I even did a three-way call with my bank to them to proof payments was made. They constantly keep calling me sending threaten letter that they going to repossess my car if I do n't pay them but I did. They keep harassing me by phone everyday, I 'm becoming so stress of they lies. It 's been XXXX dealing with them, I need your help if possible. so they wo n't repossess my car from they wrong doing and dumb mistake. Honestly I believe do n't owe they no more money, after late charging that I had paid and it was n't 10 days late. XXXX month they claim I did n't pay them at all. But they forgot they had gave me a grace period and they using that against me. This after I loss my job in XXXX XXXX, but I still been paying some how some way its a shame making pay unnecessary late charges, they robbing me. So far I gave them {$15000.00} dollars, for the past five years, but they got me for only XXXX saying I owe them {$4000.00} dollars more and the loan will be paid up. My car was up for XXXX XX/XX/XXXX brand new when I brought and now I 'm paying for more then what it worth dealing these rotten people.
Product: Credit card

I discovered that my personal information was compromised and used without my permission. The unauthorized activity began on XX/XX/year>, when I noticed when i called a credit fixer and they run a credit report for me. Upon reviewing my records, I found that an account was opened in my name without my consent, and it currently shows XXXX missed payments. I did not authorize the opening of this account, nor am I responsible for the missed payments associated with it. 

I believe my personal information was stolen and i am currently taking action with steps to report the incident to syncb/amazon, XXXX, and XXXX. 

I am requesting that the missed payments be removed from my credit report, and my personal information be protected from further misuse. I am also taking steps to monitor my credit to prevent future identity theft.
Product: Debt collection

The company billed a late fee on my account after I paid the balance in full 1 day late. I disputed this via phone call. The following month they added another late fee because I didn't pay the first late fee. I called and spoke to a supervisor but they refused to reverse the charges. I closed the account but they continued to add late fees until the account was 90 days past due. I feel these charges are erroneous and reported out of spite rather than for valid services or merchandise.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after noticing unauthorized inquiries on my credit report. 
XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I opened a citibank card to pay for one semester of graduate school since I didn't want to take out any more school loans after paying those off. It has been a huge headache ever since. I was on sick leave and thus, I wasn't registered from the time I ended school and the time I graduated. I had to wait for the next possible graduation date. I was not taking classes in Summer of XX/XX/XXXX. I took classes the previous semester and paid for those online with XXXX. There was a glitch in their system and they charged me for summer when I wasn't needing any more hours or classes. They have admitted to their mistake but because their system works with an outside billing system they asked me to open a dispute with my bank. I have done this five times. Each time citibank completely blows me off. I am XXXX, on a limited income, and trying to better myself by getting my XXXX XXXX and they have made my life a living XXXX. This is not my debt. Only have of what is on this bill is mine and I have stopped paying until they remove it, thus ruining my previous stellar credit. The charge on XX/XX/XXXX for {$3300.00} at XXXX is not mine, it is not for me because I was not registered at that time or taking classes. I completed my work that spring and have proof from the registrars office. This is an example of how Credit Card companies don't care about human beings. 

I will copy the email from XXXX here in case there is no place to upload a document. 


Begin forwarded message : XXXX XXXX <XXXX> XX/XX/XXXX at XXXX XXXX CDT XXXX XXXX <XXXX> Hello XXXX, Thank you for your email. After reviewing your request with the Registrars Office, it has been determined that your request is for directory information, so we can provide it without additional information. 

Graduation Date : XX/XX/XXXX This was the first graduation date available for your class, but this does not mean you took classes up until that point. You were on leave with an illness so you had to wait to graduate with the XXXX XXXX class but were not registered the summer of XX/XX/XXXX. 
Last semester of enrollment : Spring XX/XX/XXXX You were not enrolled Summer of XX/XX/XXXX or after summer XX/XX/XXXX and you should have received no charges on your student account after spring semester, XX/XX/XXXX I apologize that you are still having issue with your bank disputing the charges. Unfortunately, that is the process when this happens and I hope this letter is helpful. 
Please let me know if you have further questions. 

Thank you, School of XXXX XXXX University XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, ND XXXX P XXXX | F XXXX XXXX | XXXX
Product: Credit card or prepaid card

A pending refund from XXXX is being held, pending review, dated XX/XX/22 in the amount of {$59.00}. The item shows as posted, funds held for reasons unknown to me. This item was mentioned in a prior complaint filed with CFPB among others. Since filing prior complaint, it appears all items are released from pending status aside from this one..Currently, this is the only transaction on hold. I need use of these funds, I am currently on furlough with my employer and on unemployment, funds are scarce.
Product: Debt collection

I do n't know, someone else 's loan. 
SunLoan.com Does n't understand Do-not-call list rules ; asked to be removed from being called two months ago -- calls again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts for this company XXXX XXXX to provide proof of account ownership and they have not sent any information over to me. I have also called XXXX XXXX which was the original creditor and they said that they do not have any information on me and I need to contact XXXX XXXX. I have disputed this account since 2016 several times with all 3 credit bureaus and they have not provided me any information that I asked for as far as verifying this debt. I have never lived in these apartments. Either send me a lease stating that this is my account as I requested several times or remove this from my credit report.
Product: Credit reporting or other personal consumer reports

How did you complete your investigation on these accounts listed below? These accounts are not accurate. I have attached XXXX different reports reporting different information. You stated this was verified. How did you verify this information? Account is listed as an Open account on some reports and Debt Buyer on anther. How can this be in collection but yet still be open? I have circled all errors. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Account number XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX. Account number XXXXXXXX XXXX  Date opened XXXX XXXX, XXXX. Account number XXXX Date opened. XX/XX/XXXX. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I paid off all of my credit card debt - some of which were settlements for less than the actual balance that was due. Regardless, they were all completely paid off to a zero balance. 
My husband and I are currently applying for an auto loan. According to our credit union ( XXXX XXXX ) and the credit report that THEY run ( which they claim is Experian ), one of my credit cards is still showing delinquent. It says Charge off delinquent. This is with XXXX card. Others on my report say settled, or something to that manner. 
I have contacted the XXXX company. I have gotten all XXXX of my reports. I showed them my Experian report ( and the dispute I filed with them ). Nowhere on any of the reports that I am seeing is it showing what their report is pulling. They are unwilling to accept any of the reports or proof that I can provide. I can not figure out though, how they are pulling the info that they are. 
They suggested that I contacXXXX XXXX which I did. I called and was sent through a continuous loop of automated prompts. I also went to their website, but can't find a way to actually file a claim or concern. I am to the point where I don't know where to turn for help. I do have copies that our credit union gave me to verify what they are seeing on their end. 

Attached is a copy ( XXXX pages ) of what the credit union gave to me. The blue highlighted areas are the concern they have with what they see. The XXXX page from them just shows contact info they suggested. The XXXX picture is of the screenshot from Experian showing that the account is paid in full.
Product: Credit card

Several years ago I had a Delta Airlines American Express card which I cancelled years ago. Recently American Express ( amex ) sent a new card in my name to my brother 's address that only needed activated. I live in XXXX, my brother lives in XXXX. I NEVER lived at that address. I thought that the card may not have been cancelled like I thought and this was a renewal of the previous account, but the card states member since XXXX, which means it was just opened without my consent. This card is not presented as a pre-approved card requiring application on my part, but rather as a new card only requiring activation. Again, I did not request or apply for any amex cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you. 


XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

While we were in Tennessee in XX/XX/2018 we stayed at a Wyndham XXXX. While there, during a 2 day presentation ( was not the normal 90 minutes they advertise ), we were presented with the proposition to purchase Penthouse accommodations at their resorts. 
Husband was interested so he asked for information. During the " 2 days '' and a promise to call us ( still waiting for the telephone call ), he showed more interest. We came back to Indiana thinking we would have much bigger and better rooms on our next trip. What a joke we later discover. This came to husband via someone by telephone telling him he needed to check his deed. It was for a timeshare somewhere in Florida. The word Florida was NEVER mentioned during the 2 day presentation. He proceeded to contact a lawyer which was aware of this happening to individuals by Wyndham XXXX. Never got any good results as the attorney died. Then we are notified that Barclays Bank was involved in the lawsuit and never have figured that out as to why. Since then my husband has died and I have lost the business so I have no income. I would like to have this removed from credit report as they car CROOKED and they know it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices which violate the CFPA. Specifically cash app failed to timely and effective measures to prevent and address fraud in their end. Furthermore their dispute process was unfair and deceptive and they did not comply with the electronic error resolution requirements.this has caused significant inconvenience and financial loss.
Product: Credit reporting

i have disputed this item XXXX item XXXX reporting on my transunion credit report, they sent me a response saying the item was verified, i escalated a complaint with XXXX to the collection agency resurgent capital services who is servicing the account with XXXX, after the request the company has agreed to remove the item from credit report, i have attached the copy of the letter received via XXXX, i want transunion to delete this negative information from my credit file immediately to enable me pursue my financial goals
Product: Checking or savings account

My chase bank account had over {$190000.00} dollars stolen out of by someone who hacked my information and had access to my bank account information and including my drivers license. They stole XXXX XXXX using my XXXX XXXXXXXX XXXX  and XXXX XXXXXXXX XXXX using my debit card. Chase gave me back XXXX XXXX then they reversed their decision and left me completely broke. Chase responded by saying they said it was me who made these charges when they were not. 
This was all of my savings and I am going to be XXXX unless someone helps me. 
Thank you
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXXXX/XX/XXXX
Product: Mortgage

Shellpoint is stealing hundreds of dollars from me every month for " lender-placed '' insurance. I have been battling this company for years. I provide them evidence of insurance. They keep taking money from my accounts, regardless. 

They won't stop. They previously responded to a complaint by lying to the CFPB saying they were not taking funds for this lender-placed insurance. They are, and won't stop, even though I have insurance, have provided documented evidence for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company illegally checked the status of my stimulus payment and demanded payment from the stimulus. Sent XXXX  complaint which included a copy of the recording
Product: Credit reporting

I received my EQUIFAX credit report and discovered that XXXX XXXX had fraudulently initiated an inquiry into my credit report on XXXX/XXXX/2015 without my written authorization. 
This acts of misdeed of the employees of XXXX XXXX Delaware is in clear violation of my privacy Acts, where I had not consented to this inquiry.
Product: Mortgage

I opened a {$50000.00} HELOC with Loan Depot on XX/XX/year> and was funded {$46000.00} by transfer to my checking account on XX/XX/year>. Loan Depot held a {$1000.00} origination fee and overnighted a check payable to XXXX in the amount of {$2300.00} to me even though I had explained that I had paid that debt off in full prior to closing. Consequently, I have a {$50000.00} balance with Loan Depot and a check payable to XXXX in the amount of {$2300.00} that I can not use. I am paying interest on {$2300.00} that I do not have access to. I have made numerous attempts by phone to Loan Depot to rectify this untenable situation ; however, I am always told it will be investigated and I will receive a call back within a couple days. The call back never occurs and if the agent with whom I last spoke provides contact information, they never reply to voicemails to return my call. Loan Depot employees with whom I most recently engaged ( after I started keeping records of phone calls ), XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( no last name provided ). 

I was asked by XXXX XXXX in XXXX to provide proof from XXXX that the debt was paid in full, which I provided to her. She never responded to me after such proof was provided. I will attach the proof provided to this complaint.