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

I recently looked at my credit reports and noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account Name : XX/XX/XXXXAccount XXXX Dates Reporting NOT Accurate :
Product: Credit reporting or other personal consumer reports

XXXX makes false promises of consumer protection where they continue to fail to make good on the assumed promises they are negligent of but further the damages caused to me as a repeated and regular victim of rental identity theft. 

I have regularly paid a premium membership for protections that were never delivered on. I have placed security freezes, notifications, fraud alerts etc in an attempt to lessen my risk as an identity theft victim only to have criminals continue to rent residents in my name not one time but 11 times!! 
All while under the guise of protection.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$640.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit card or prepaid card

I was late making one of my payments ( 30 days late ) the 60 day XXXX double payment ) of {$370.00} was made on time on XX/XX/2019. On XX/XX/XXXX, I was mailed a letter telling me that my secured credit card was of {$5000.00} was being closed and the CD for {$5000.00} was being liquidated to pay the debt. I did not want the credit card closed because I had kept it open for over two years to rebuild my credit. I reached out multiple times and tried to reason with USAA, but they could not tell me why, who made the decision, or how I could talk to the person who made the decision about the error. USAA simply hid behind " the system '' and gave no explanation. 

Not only did they NOT CLOSE the account, they did not liquidate the CD, as indicated in the attached letter, but did report to the credit bureaus that the account was closed. They removed my access to using the credit line, continue to bill me interest and late fees, and continue to report negatively to the bureaus. Now they have threatened to write the account off as a defaulted account.
Product: Vehicle loan or lease

Someone got car loan in my companys name along with mine. Ive forwarded a copy of my FTC IDENTITY THEFT REPORT via email. My secretary says the institution calls multiple times a day. This account is not mine nor my companys and I need them to close this loan out immediately.
Product: Debt collection

I was contacted regarding a debt that is not mine. I have no knowledge of this debt or of this company. I request immediate cease and desist of all communication
Product: Mortgage

My escrow is always short, I can understand when my taxes and home insurance goes up which would cause my escrow to go up as well as my monthly payment but my taxes and insurance didn't go up and my mortgage payment went up to {$1100.00} to {$1200.00}. My escrow is short XXXX. Please help with this issue and I understand the mortgage company is under a class action lawsuit for stealing money out of customer 's account and escrow shortages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation on XX/XX/XXXX from the 3 major credit reporting agencies : XXXX, Experian And XXXX. On XX/XX/XXXX, I requested the method of verification and did not receive a response from either of the three credit reporting agencies. I sent a second letter to all three credit reporting agencies on XX/XX/XXXX. As of date, I have not received any communication from either of the three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report on XXXX and found an address that appears to be incorrect. ( XXXX XXXX XXXX XXXX, XXXX XXXX ) And according to the fair reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Experian Continue to report my address incorrect on my report here is my only and current address XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Nothing has worked out in my life. Not only do I struggle with something on a daily basis which also causes me stress, then comes my credit score. Because of this unverified information that I am not sure if has been at all verified, I am struggling to keep it together.
Product: Payday loan, title loan, or personal loan

I took out a {$100.00} Loan and ran into problems paying due to my bank rejecting payments due to fraud protection and noticed that they do not have a way to pay individual installments if you miss a payment you either have to pay the entire loan off or you risk damage to your credit due to a faulty, out of date payment system. I think this is an issue as you have no control of your payments like I can not make an individual payment right now at all. They also do not possess a phone number to call, instead depend on a email system that sucks and it takes agents days to get back with you and being that my credit is on the line, this is a issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well first of all let 's be clear, since you are THE LAW that these agencies have to obey, I figured you could get the ball rolling faster than me. On XX/XX/XXXX I decided to look at my credit report, so I downloaded them and I instantly noticed that my SSN is incorrect, My vey next thought " I know this is not GOOD '' and to top it off it's on the credit agency that's most popular one of the three. And then you let a company close an account and then open back up the very same day, 6 ( SIX ) TIMES. And then to top it off I had 70 INQUIRIES from XX/XX/XXXX to XXXX. 70 MISREPRESENTATIONS. That's just for 1 FULL YEAR. That's why I am DEMANDING a " credit file disclosure '' I need to know how far does this incorrect SOCIAL SECURITY NUMBER goes back, And NO ONE attempted to contact me at ANY TIME for FRAUD, to make me aware that my SOCIAL SECURITY NUMBER had been TAMPERED or MY file had been UPDATED just as they had AFTER I saw my REPORT for being DENIED for CREDIT from EXPERIAN MISTAKE. Experian, This is the reason I DEMAND FULL " FILE DISCLOSURE '' XXXX and XXXX has the correct SSN. You don't how that feels as soon as you open your mouth, someone says " YOU'RE LYING ''. for someone MISREPRESENTING you. Whom also never had MY consent.
Product: Credit card or prepaid card

I opened a cobranded Citi-American Airlines `` MileUp '' credit card account in XXXX XXXX. The sole purpose of opening this account was to earn Loyalty Points towards status with XXXX XXXX. I have used this card regularly since then. The card earns 1 AA Loyalty Point for each {$1.00} in purchases. 
On XX/XX/XXXX, I made a large purchase ( {$4000.00} ) in order to earn 4080 Loyalty Points. In all of my previous months of having the card ( 3 billing cycles ), the statements closed on the 9th or 10th of the month. In XX/XX/XXXX, the statement closed on the 10th. When I made my purchase on XX/XX/XXXX, I was expecting the purchase would appear on my XXXX statement, which was not yet closed. And indeed, the purchase shows as occurring on XX/XX/XXXX at XXXX XXXX ET. But for some reason the posting date is XX/XX/XXXX. When I made the purchase, I thought the statement closing date would be XX/XX/XXXX, but it in fact closed on XX/XX/XXXX. Instead, the purchase appears on my current statement, closing XX/XX/XXXX or XXXX. 
This is a problem because XXXX XXXX requires me to earn the Loyalty Points by XX/XX/XXXX in order to re-qualify for my status. The only reason I made this large purchase on this card ( as opposed to paying cash or using a different card ) was to earn the Loyalty Points. And I had every reason to believe, based on past transactions, that the points would be credited to my statement that was open at the time the transaction took place. 
Today I spoke several times with Citibank customer service, including a supervisor, and they told me there is nothing they can do. I also spoke with XXXX XXXX, and they told me this is a problem only Citibank can fix. I know this is not true. If XXXX wants to credit the Loyalty Points retroactively, it can. If Citibank wants to credit miles / Loyalty Points to my account, it can. 
I now understand that there is a systems issue here that prevents purchases that happen on the closing date from counting towards that month 's statement. But I don't think I should be penalized for the reasonable understanding I had before this happened. I hope Citi or XXXX XXXX will make this right. 
I am a loyal custom of both Citibank ( with several credit cards and a savings account ) and XXXX XXXX. My family and I go out of our way to fly XXXX even when other airlines are cheaper or more convenient, and I hope they will show their appreciation for our loyalty.
Product: Credit reporting

son has same name never lived at XXXX XXXX or worked at XXXX also have medcail coverage throuh the state of ct
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account number : # XXXX, Account name : XXXXXXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account number : # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX Account number : # XXXX, Account name : XXXXXXXX XXXX Account number : # XXXX, Account name : XXXX XXXX  XXXX Account number : # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-2 ( A ) ( 1 ) 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.
Product: Debt collection

I repeatedly asked this company to NOT contact my work, and they will not stop.
Product: Credit reporting or other personal consumer reports

I came across the cfpb experian lawsuit. 

I was negatively impacted, by the XXXX hurt my chances at credit after receiving a response to my early disputes that the accounts were " verified ''. But I don't see any details about your investigation. 

Do you want to be fined too Come with the receipts, or be quick to delete. 

Thanks and send me the new report with the corrections.
Product: Money transfer, virtual currency, or money service

I am unable to access my venmo money from my venmo account. I can't transfer the money to my bank account nor am I able to use it to pay other people. The money is just sitting there. The venmo app keeps prompting me to go through an " identity verfication '' process which I have done twice now by submitting my driver license, W2 forms, and bank statements. On XX/XX/XXXX I submitted the documents on the app and on XX/XX/XXXX venmo emailed me saying they could not read some documents. I resubmitted the documents again on XX/XX/XXXX via the app and still not heard back from venmo nor am I able to access my money in venmo. On XX/XX/XXXX I called their customer service number at XXXX and am told that the department that handles identity verfication will " get back to me via email within 24 hours ''. I asked to be transferred to a representative that handles identity verification and am told that they don't have a phone number nor do they have a email contact. They just told me to wait. This is not right that I do not have access to my money nor is there a contact person I can contact regarding this. I have to just wait passively until someone from venmo contacts me via email. My Ticket # is XXXX. Please investigate this.
Product: Debt collection

I do not know anything about Fox Collection. The info randomly showed up on my credit. I disputed and it was removed then recently I received texts from this company. I didnt give them permission or authorized them to text me. I dont have any business with them. The bill in question was paid to the XXXX of XXXX XXXXXXXX back on XX/XX/2021 @ XXXX for the amount of XXXX. The receipt # is XXXX. 

I want to ensure all my credit reports are not reflecting this company as I dont know them, didnt sign any contracts with them and for them to stop reaching out to me. I feel like Im being harassed as well as texted messages being sent without my authorization.
Product: Mortgage

Freedom Mortgage company bought my mortgage from XXXX XXXX company in XXXX 2015. I made my last payment to XXXX in XXXX 2015 and every payment after to Freedom Mortgage. XXXX sent the XX/XX/XXXX payment to Freedom Mortgage 3 days after they received it from me. In XX/XX/XXXX I sent 2 payments to Freedom Mortgage, one I put a stop payment on because I had the wrong account information on it the other had the correct account info. 

I have sent Freedom Mortgage proof of payments for each month ( XXXX XXXX {$940.00} electronic payment to XXXX, XXXX XXXX {$940.00} to Freedom, XXXX XXXX {$930.00} to Freedom, XXXX XXXX {$930.00} to Freedom, XXXX XXXX {$930.00} to Freedom, XXXX XXXX {$930.00} to Freedom, XXXX XXXX {$930.00} to Freedom ). I have been trying since XXXX XXXX to get Freedom Mortgage to apply the payments to my account and bring me current but to date they still have not. I also had an escrow balance that was transferred from XXXX to Freedom but they ca n't tell me much about that either. 

I keep getting harassing phone calls and threatening letters from them even though I have sent them the proof of payment that they requested. I even had a 3-way call with XXXX and Freedom Mortgage where XXXX tried to tell Freedom that they received the money and within 3 days transferred it to Freedom, but even that was not good enough. 

So six months later, after talking to supervisor after supervisor and being promised to resolve the issue or escalate it higher, I still can not get this issue resolved. I have been accessed late fees and negative marks on my credit file all because they are not willing to do their job. 

How is it that a mortgage company can get away with destroying a person 's livelihood and credit? Who holds these people accountable? I think Freedom Mortgage is in the business of hiding or conveniently misplacing payments in hopes of a quick and easy mortgage take over. This company should be investigated because of their questionable business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written four letters disputing XXXX from XXXX, Equifax, and XXXX. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.
Product: Debt collection

I sent debt collection letters twice on XX/XX/2020 and XX/XX/2020. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Product: Debt collection

Hi and How are you? I was looking through my credit report this evening and noticed that there were new collection reported on my profile. I randomly called the company and talked to XXXX at Commonwealth Financial system. And he said that it's a medical bill that came from XXXX XXXX XXXX which came from XXXX XXXXXXXX XXXX. I'm completely confused because I never received any notices from any one of these companies and therefore, I need this removed due to FCRA and FDCPA violations. 

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$110.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$750.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

Select Portfolio Servicing erroneously processed a mortgage payment twice, which caused my checking account to be overdrawn. I called in to have it rectified. They told me to contact my bank. I called my bank and disputed the charge. The bank refunded my funds to my account and waived overdraft fee. Two weeks later. Select Portfolio put the charge through again, causing me to be overdrawn again. I contacted Select Portfolio to find out what happened. I was initially told. For return checks they automatically put it through twice. I responded, there was no additional payment posted to my account. How could this be ( my bank paid you. ) After speaking to a supervisor I was told the actual reason they submitted another payment request ( in the form of an electronic payment, though I DID NOT AUTHORIZE ONE ) was to offset a check they were going to send me. I explained the problem was previously rectified and there was no need to send a check. I was told it was already processed and once their corporate office sends them the check, they would mail it to me. 
Basically they illegally obtained funds from my checking account by submitting an unauthorized electronic payment request to cover their error.
Product: Credit reporting or other personal consumer reports

Yet another useless notification of a dispute I can't open and yes I ried again to call with the same results, THEY WANT MY FULL SOCIAL SECURITY NUMBER and when I said I am recording the conversation as usual they HUNG UP
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim of Identity Theft for a few years now. (XX/XX/XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XX/XX/XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!