23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX services is reporting fraudulent information on my credit report. I have sent proof of payment to both XXXX XXXX services and experian on four separate occasions proving that I have never been delinquent in the month of XX/XX/2019. I have attached proof of payments from XXXX, XXXX, XXXX, XXXX and XXXX showing I have been consistent in making my payments on time. I have attached CC payments with confirmation numbers and a cancelled check as proof in the description of the Request for Complaint with the Department of XXXX XXXX Services. I am kindly requesting that you please look into this matter, as it has caused a blemish on my credit report as the Department of XXXX XXXX Services is incorrectly and fraudulently reporting to the credit bureaus a 30 day late on my report despite my proof. 
Please see attached.
Product: Debt collection

Email received on XX/XX/XXXXXXXX  : Hello, XXXX XXXX XXXX. We're TrueAccord Corp, a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 

Our information shows : You have an account with XXXX XXXX XXXX. The original creditor was American General Financial Services with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX XXXX 
As of XX/XX/XXXXXXXX  you owed {$370.00} Between XX/XX/XXXXXXXX  and today You were charged this amount of interest + {$54.00} You were charged this amount in fees + {$0.00} You paid or were credited this amount toward the debt - {$0.00} Total amount of the debt now $ XXXX- This debt was settled in bankruptcy and is no longer owed. They attempted to have me sign a document that is from the lender but I refused. Please assist me in any way you can to make this stop. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into inaccurate and potentially unverifiable items listed on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. As stipulated by federal law, I request a thorough investigation and removal of these items if they can not be verified as accurate.

Please find attached documents that support my claim. These include [ list any relevant documents such as payment records, court documents, etc. ]. 
Under the FCRA, you are required to complete the investigation within 30 days of receiving this notice and to remove any information that is found to be inaccurate or can not be verified. Please ensure all information related to these items is thoroughly investigated and corrected or removed accordingly. 
Please send me a written confirmation of the receipt of this letter, along with the outcomes of your investigation. I expect that all incorrect information will be removed, and a revised credit report will be sent to me at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt response. Please feel free to contact me at my phone number or email address listed above if you need further information. 

Sincerely, XXXX
Product: Payday loan, title loan, or personal loan

I opened a loan with boost finance. I paid it off two weeks ago yet my account was drafted today. When I called them about it. I was told I needed to wait three days so that they can refund my payment. The also apologized. That is not ok. They shouldnt have taken it to begin with. They put me in a financial bind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two charges were made to two of my XXXX  XXXX XXXX accounts totaling {$90000.00}. There was a charge of $ XXXX on one account and $ XXXX on another to XXXX XXXX XXXX. I contacted XXXX  XXXX XXXX to dispute the charges and was told that it was authorized. When I asked by whom they told me that they could not reveal the phone number in which they authorized the charges nor the person that they spoke with to authorize the transactions. How can my cards ( which I am the sole user ) be authorized by someone other than myself? I disputed the charges verbally with XXXX  XXXX XXXX and they are now reporting charge offs on my credit report. I have a police report showing the fraud on the accounts which was given to XXXX  XXXX XXXX by XXXX XXXX whom I hired to get this resolved. I thought it had been taken care of as it is not showing through credit platforms such as XXXX XXXX and also was not on another report. I recently applied for credit and was denied as a result. This has not only cost me money in trying to repair my impeccable credit history but I am personally damaged by this reporting as I was not able to obtain business financing which resulted in me losing my retail business space for my business. XXXX  XXXX XXXX is fraudulently reporting this information and has not provided me with the information required by the the FCRA and has violated my rights under the FCRA.
Product: Debt collection

Dear midland credit management, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after XXXX XXXX XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts is UNKNOWN to me and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX
Product: Debt collection

American Credit Acceptance XX/XX/2022 Inquiry Date reported as a Hard Inquiry If its the company I think it is something is still wrong because I already have a vehicle with a name of company that sounds similar but theres no reason to perform a hard inquiry when I am still making payments month to month and did not authorize that inquiry.
Product: Checking or savings account

MY CREDIT UNION TRIED TO RUN MY NAME THROUGH CHECK SYSTEMS AND IT DECLINED ME AND HAVE MY FILE LOCKED.
Product: Debt collection

On XX/XX/2019 I received a call from a distant relative stating that they had received a call asking if they knew me and if so to have me call a provided phone number. I was provided the number and I did call. 'XXXX ' answered " Hello '' with virtually no introduction or phone system making it sound legit. He stated " I'm happy you called back so quickly '' with a clearly smug tone. I asked what company he is with and was informed " Direct Recovery Services ''. A company I have NEVER heard of or had any communication ( written or verbal ) with. He then asked me to verify the last four of my SS # which I refused given current Identify Theft statistics. After I refused and asked what this is about he said " If you won't verify then I'll just continue my investigation '' then stated " Good luck ''. I took this as a very threatening conversation and I am very nervous about what he may do next. I don't know anything about this alleged company and the debt ( whatever it is ) may very well be valid however the threatening tone of the conversation and the fact that they contact my distant relative who I have and would NEVER list as a reference or guarantor has me greatly concerned and now I have a " Looking over my shoulder '' feeling. I submitted a complaint to XXXX but I also wanted to try here, too. I am strongly considering a Police Report however with me being XXXX  XXXX and dealing with all my Dr . Appointments I am not wanting to have to do that.
Product: Mortgage

XXXX Mr Cooper notified me that payment was late. Spoke to representative and was able to prove that Mr Cooper recd the payment and cashed the check. Told it would be resolved immediately. 
XX/XX/XXXX -not resolved Mr Cooper added a late payment charge. Recd a check for {$1400.00} from Mr Cooper stating it was an overage in the escrow acct. Called and spoke with Mr. Cooper, they stated it was a mistake and would cancel the check and return the {$1400.00} to the escrow acct. 
12/18/21-not resolved. Spoke to manager. She asked for me to be patient until XX/XX/XXXX XXXX-spoke with manager was told problem was resolved and {$1400.00} returned to escrow acct. Based on that, I made an ACH transfer for XX/XX/XXXX payment. 
XXXX-I refinanced my mortgage with another company as this was now the 3rd time Mr. Cooper had messed up my payments and escrow acct. Mr. Cooper received payment in full on XX/XX/XXXX. Mr. Cooper congratulated me on the payoff and advised that they would not be sending the escrow money to XXXX to pay the XX/XX/XXXX statement. I should have received that money back as I had to pay XXXX directly. 
XXXX-received a check from Mr. Cooper for {$320.00} for reimbursement of escrow. The amount should have been {$1800.00}. 
XXXXI wrote to Mr Cooper 's Account Services Team as instructed by a Mr. Cooper chat employee. I submitted proof of all of the XXXX mortgage payments, and proof they did not pay XXXX. Said I would have a response in 7-10 days. 
XXXX-I received an email stating that they could take up to 30 days to respond, however, they reserved the opportunity to extend another 15 days after the 30. 
I have now been talking, emailing and providing info to Mr. Cooper since XX/XX/XXXX and it still is unresolved. As of XX/XX/XXXX, I have not received the {$1400.00} reimbursement from my escrow account with Mr. Cooper. I have no confidence that Mr. Cooper is resolving this.
Product: Debt collection

GENESIS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, WA XXXX ( XXXX ) XXXX XX/XX/XXXX. {$120.00} XX/XX/XXXX. {$120.00} XX/XX/XXXX. {$770.00} XX/XX/XXXX. {$2100.00} XX/XX/XXXX. {$60000.00} I am a victim of identity fraud. These are the transactions I have in collections for apartments in other states. I have never resided in another state than Michigan. GENSESIS CREDIT MANAGEMENT is the collection company trying to collect money from this. I have disputed this sooo many times. I have made police reports. And I have made an account on identitytheft.gov. I have mailed copies to the agency and my credit companies. I have had all 3 of my credit sites frozen for years and these still somehow get through and put on my collections. I am sick and tired of this!!!!
Product: Credit card or prepaid card

I am currently going through extreme financial hardship due to a canceled project from the XXXX   and now I have a XXXX XXXX which has put me out of work for at least 6 to 8 weeks so I have no income. I have called Citibank financial hardship to see if they can help me and they told me I did not qualify. I asked to speak to a manager and I asked why I could not qualify since I have no form of income and I am facing potential homelessness due to financial hardship, And he told me that he does not know why and could not get me to a person that would explain or be able to explain why I did not qualify for financial hardship. His name is XXXX his employee number is XXXX. I asked for this information at the end of the phone call so that I may make this complaint. This call was made on XX/XX/2020 at around XXXX in the morning
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$620.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

In XXXX, I was reviewing my credit report and had noticed that there was a Santander account that I had not authorized to be opened. I had called Santander about the account, and I had explained the issue to the representative that had answered the phone, and I had expressed multiple times that this account was not opened by me. The representative that had answered the phone had asked me to provide my personal information such as my Social Security Number and my name and Date of Birth. When I was asked to provide my address, I did so, and was then told that it did not match what was on  the account. I reminded her that I didn't open this account, so it shouldn't match, she then proceeded to put me on hold, and updated my correct address on the account that was not mine. I asked about more info on the account and was told that since I claimed it wasn't me, I was not entitled to know anything, even though it was under my personal info. I asked her why she updated my address if this was the case, and she repeatedly avoided the question. She said that the only thing that she could tell me was that it had a negative balance, due to check related activity but wouldn't specify exactly what. She had told me that the account was scheduled to be sent to collections, but again would not tell me when. I called again in XX/XX/XXXX, and when they collected my personal information just as before, they this time told me that based on the info I provided such as my address, that they deemed the account as mine, and that I will be held responsible. I told them about how the previous woman updated my address when she shouldn't have, and they insisted that they would never do this. I then asked out of curiosity, if they had anything on file that they could prove that this was me, since they insisted that I opened the account, and they told me that they are not required to provide me with this information via phone. I visited a local branch and was told to call customer service which provided no assistance before. I have recently noticed this account on my XXXX report as having an outstanding balance due, and this account being on my consumer report has prevented me from being able to open an account elsewhere. I tried to fax a statement and make a dispute about this account with XXXX, but when they communicate with Santander, I get told that this account will be retained in my report, and I am having trouble getting this matter resolved.
Product: Bank account or service

In XX/XX/XXXX I signed up for a CitiGold checking account. The terms of the offer under which I signed up indicated that XXXX XXXX XXXX frequent flier miles would be given after meeting the specified criteria. On XXXX XXXX I obtained written confirmation from a Citi representative that the offer was attached to my account. On XXXX XXXX I obtained written confirmation that I had met all critieria and the bonus miles would be added to my account by XXXX XXXX. On XXXX XXXX after not receiving the miles, Citi is trying to go back on their word and is not planning to issue these miles. I have attempted to escalate the issue to a manager at Citi with no success.
Product: Credit card or prepaid card

In XX/XX/2019 I purchased a set of 4 XXXX tires which came with a {$50.00} Reward Cash in the form of a debit card. A copy of the card displaying both sides is attached for your review. The card has since expired as it was not activated are used in a timely manner. However, due to the recent epidemic in which Federal mandates limited social interaction for almost eight months and placed families in financial hardships and burdens. How can the bank or financial institution affiliated with XXXX XXXX XXXX   XXXX deny or refuse to replenish monies promised that was never used but was budgeted? 
In speaking with the XXXX XXXX  reward customer service representative, the attitude was that their bank was not or will not reissue a replacement card and that they are sorry but you failed to use the card so you lose. 
XXXX XXXX  reward center showed no empathy for the consumer and its unfortunate that such a large conglomerated can dismiss and abuse their clientele without repercussions other than me boycotting their product line and socially bringing awareness to consumers.
Product: Credit card or prepaid card

XXXX XXXX allowed an unknown party to change the name on my XXXX   Credit account. Then lowered by credit limit negatively impacting my credit score. I now have another name associated with my credit profile and social security number due their error.
Product: Debt collection

On XX/XX/XXXX I received an stating that an account from XXXX XXXX XXXX was sent to Collections in which I supposedly owed {$1000.00}. I know I am a victim of Identity Theft! I have been calling all credit bureaus to place a freeze on my accounts and disputing the Collection account. Penn Credit Corporation is the Collection agency that I had sent the dispute too and they refuse to drop the Collection account even though it is not me. I have sent them proof that I do not live in XXXX, AZ where the account originated. I actually live in Washington and on XXXX XXXX orders at XXXX XXXX XXXX which makes it physically impossible for me to live in XXXX, AZ. I attached my Utility Bills that I pay for in Washington that are dated from XX/XX/XXXX - XXXX which is the same time from the fraudulent account was made!
Product: Credit reporting or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following itemsXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

In spring of XXXX, a relative was held in XXXX custody, and the prison told us to use XXXX for phone calls with them. Our last " authorized '' charge with them was back in XXXX. In XXXX out of the blue, they charged my AmEx card {$39.00} four times on XX/XX/XXXX, XXXX, and XXXX. I didn't notice the one on the XXXX, but I disuputed the last 3 with AmEx after trying to get a refund from XXXX. 

I have included additional information in the attached PDF, which was my response to AmEx 's finding in XXXX 's favor. 

XXXX 's response to Amex for each dispute was a 10 page PDF response, nearly identical : - they had computer logs showing we first visited the site at <EXACT TIME OF CREDIT CARD TRANSACTION> and registered for a new account with XXXX e-mail address ( How do they have computer logs saying I first visited the site at the exact same time of the credit transaction? You'd expect a few minutes delay. ) - XXXX 's web site does not even allow allow you to open multiple accounts with the same e-mail. ( Their form letters are claiming each of those charges was for a new account for the same e-mail. How is that possible? ) XXXX XXXX 's response contained screen shots of the new user form showing a totally different amount than {$39.00} - It listed an IP address we used to login to the service back in XXXX, but we were in the middle of the XXXX XXXX in XXXX ( verifiable with travel documents ). 

AmEx accepted the merchant 's explanation. A close reading of the responses from the merchant would show they're lying. 

I asked American Express for a merchant block back at the end of XXXX, but again today ( XX/XX/XXXX ) there is a new charge from XXXX. AmEx told me the merchant block didn't work, so they tried again. 

I don't know what to do : - (
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 ( accounts- # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15U.S.C 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 then seven years. 15 U.S.C 1681s-2 n ( 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: Credit reporting, credit repair services, or other personal consumer reports

The validity of this account has been disputed directly with the company Navient Solutions LLC, and the 3 Credit Bureaus XXXX, XXXX and XXXX. There is NO CONTRACT related to this account! Please provide any documentation containing my signature that shows that I am under contract for the debt. Being that the account was transferred to another lender, please provide any agreement between the original creditor and new lender or collection company. XXXX  has deleted the account in accordance with the law, however XXXX and XXXX continue to report this account as verified or accurate.