23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/year> SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX  XXXX I paid the original creditor in full before this account was charged off. 
Please delete the charge-off from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Debt collection

Midland Credit is the company I was being sued by. I paid off in full in the beginning of XXXX. I received paid in full letter from Midland Credit and was told by representative no forward actions would be taken and they would forward information to the court. After speaking with the company over 3 times court has not received anything from Midland Credit and they have place a judgement against me. 
Please Advise. Thanks
Product: Debt collection

Phoenix Financial sent a letter on a debt this is a Medical debt that is dated XX/XX/XXXX. This debt was paid. I requested a debt validation and a copy of the bill and HIPPA Release form that gives Phoenix Financial the right to my Medical Billing information. They refuse to supply HIPPA information but sent the bill. The problem is their are multiple dates on this bill. A service date of XX/XX/XXXX and a bill date of XX/XX/XXXX this is not correct. This bill shows a current Patient Responsibility of ( XXXX ). It also, states in bill the amount you Owe is ( XXXX ). This Bill was paid. If you look at the bill it says charges of XXXX. Payments or Adjustment XXXX and amount owed XXXX. Even when you look at the bottom of the bill it say Pay XXXX. Phoenix is trying to collect on a debt that is paid. In Addition, Phoenix is not following the FCRA or FDCPA by re-aging this bill to extend the reporting time to the credit bureaus. I sent in a copy of my XXXX XXXX stating this bill will report until XX/XX/XXXX. If this was a valid Debt is should report starting from the delinquency date. Not the date they place on my credit report. I contacted the XXXX XXXX XXXX and they stayed there is NO DEBT Owed for a Service in my name. This entry is damaging our credit report. Please investigate me and my husband are retired on a fixed income. We don't have the money to pay for a debt that is paid. Thank you sincerely retired and need help
Product: Debt collection

Per notification letter from XXXX XXXX XXXX states they will collect interest, late charges, and any other charges that may vary from day to day. Under the fair debt collection laws Section 808 ( 1 ) it states they can not misrepresent the amount of your debt or collect any amount greater than your debt. XXXX XXXX XXXX are being misleading with the amount of debt that is supposedly owed.This company has violate the fair debt act and my rights as a consumer in there notification letter.
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. 

1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate Account XXXX XXXX XXXX  Account Number XXXX XXXX 3.Validate Account XXXX Account Number:XXXX XXXX  Account XXXX Validate Account XXXX Account NumberXXXX XXXX. Validate Account XXXX XXXX Account Number:XXXX  Validate Account XXXX Account XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account NumberXXXX Validate 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 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. 1681s-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.

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL CREDIT REPORTING COMPANIES MUST CEASE ALL CREDIT INFO OM ME UNDER THE F.C.R.A. 15 USC 1681a ( g ).
Product: Credit card

I purchased something from XXXX XXXX XXXX XXXX XXXX and they offered credit card with promo 12 months deferred interest, I took that offer, now in XX/XX/2023 before those XXXX promotion balances expire I contacted customer care of the bank and made a minimum payment plus entire amount to cover this XXXX promotional balances, I requested to allocate everything I paid on top of minimum payment towards those XXXX promotional balances to pay them off in time to avoid interest rate. They said that they stopped manually allocating payments few months ago its their bank policy, so system will allocate this payment accordingly not to be worry. following month I've received a statement showing my payment and they allocated entire payment towards revolving balance but XXXX towards those expiring promo balances with deferred interest rate, I contacted them again, asking why my payment was allocated or distributed completely wrong and referred to CFPB rule {$1000.00} ( a ) XXXX stated that they should allocated any payments over minimum payment in the last XXXX billing cycles towards those promotional balances, or allocate it manually, they said im right and its a system error that they don't understand how it happened, so the management admitted there is a issue and filed a dispute to their financial department to correct the issue. Fast forward, now Im 2 days before promo balances will expire on XX/XX/2023 and nothing has been done, I called again and they said it can take up to XXXX billing cycles from now to have a result of this dispute, they confirmed that they will XXXX deferred interest over {$700.00} to my account, and if results of dispute shows they are wrong they will credit those money back to me. It looks like bank implemented a system to make it difficult or next to impossible to pay off promotional balances in time so that can collect deferred interest rate. I uploading XXXX statements for XX/XX/2023 and XX/XX/2023, showing my payment and on the last page it shows how the payment been allocated, I highlighted it
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an unauthorized account opened in my name. I've tried disputing this information with no luck from XXXX XXXX XXXX XXXX. I completed all of the necessary steps in order to have this information blocked from my credit report and have my credit reporting statutes enforced. All of this information was submitted to XXXX XXXX and they refused to block the information. I called XXXX XXXX in XX/XX/2020 with an Experian representative asking what do I need to do to resolve this issue. They stated I could pay the balance off in order to have the negative information removed. I paid XXXX XXXX the entire balance due. Once the balance was paid I called back a week later inquiring the status of this information being blocked. XXXX XXXX stated they could not remove this unauthorized account because it shows a payment made on the account. The payment was made on my part because I followed their instructions in order to have this resolved. 

My score has dropped nearly 100 points due to this issue. It has caused me a great deal of stress while currently XXXX Please assist me with having this account removed from my credit profile.
Product: Debt collection

I sent a validation letter to the company, a month ago, to validate debt, in which they sent a lease and a rental amount owed that does not belong to me. I have not lived at the address they sent the lease for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately : - XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I contacted Transunion with regard to my XXXX score. I attempted to explain that my score was inappropriately low. The representative only indicated the company used certain algorithms and essentially I had no way to address the matter. I received a credit card offer today indicating it was a pre-screened offer for a card with a {$300.00} credit limit with a {$75.00} annual fee attached. Ive also received numerous loan offers at 6 and 7 % interest rates to reduce my supposed interest rate on credit cards. 
I purchased a new car using a 0 % interest credit card with a 3 % transaction fee, while earning more than 5 % on liquid investments. I have {$270000.00} in assets to cover my credit expense and am continuing to reinvest earnings in my XXXX XXXX until payment is due next year. 
I believe my credit score is XXXX to XXXX points lower than it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called on  XXXX / XXXX /  XXXX   at approximately  XXXX   XXXX   PDT, and spoke to   XXXX  " on   XXXX   XXXX   XXXX   ''. He refused to submit a dispute regarding my address, which is listed incorrectly with Experian. He explained that even though there is  XXXX  creditor reporting my address incorrectly, Experian would not allow me to submit a dispute to correct my credit record.     Now this is a problem as I have a credit freeze tied to my account and an incorrect address will make it near impossible to update. The incorrect address is due to a divorce and my ex-wife 's address being incorrectly reported as my current address.
Product: Credit reporting or other personal consumer reports

XXXX back in sent me a pre approved credit card.I was excited trying to build credit. But, I never used it. So XXXX closes the account which tarnishes my credit for 10 years. They are purchased or doing their business with a new bank and upon pulling my credit scores this is when I noticed that XXXX claims that after they closed my account they issued me two new cards. Neither of which I ever received neither have I activated and neither have I used. After some time passes I notices they closed these accounts two leaving two more checks on my credit. So in total I have had three accounts and all three closed for not using the card. The first card arrived and when I phoned to talk about it nobody told me at XXXX if you dont use it we will close your account and report you to all three credit bureaus. Well not just closed once but three times. I never asked for any card to be sent. I dont feel I should have to be sitting with three closed XXXX cards that make my credit scores lower it makes me look like I am a credit risk and all because I never asked for them the first acct # XXXX XXXX yr XXXX mo closed for non use card # XXXX # XXXX XXXX yrs and 6 month card # XXXX # XXXX XXXX yrs 7 months. I have only ever been sent the first card I dont know what the other two are. I would like them to be removed and not tarnish my credit for 10 years. I have never owed any money to XXXX. And not using their card or three should not be a punishment.
Product: Mortgage

We have a mortgage on a second home in  XXXX   XXXX  financed by  Banco Popular.   All of our origination documents were produced in both  XXXX  ( our language  )  and  XXXX . However, the servicing documents are generally sent to us in  XXXX . We have complained already and they agreed to send us only   XXXX   documents, but we are still receiving important important documents, such as a forced-placed insurance document from what we can tell, in  XXXX  only.   XXXX  On a related note, the forced-placed insurance document tells us nothing about the cost of the forced-placed insurance they are threatening to purchase for us, which is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have issues with the Wells Fargo credit department. I have several open disputes that I have filed via their portal for false charges on my statements. They have not attended and resolved my request one way or another. I sent them two letters in previous months asking them about the status of my disputes and they didn't respond. 
Once in a while they call my mobile number and leave me a vague message.
Product: Money transfer, virtual currency, or money service

We received a cashier 's check from a tenant and the maker of the check, UMB, NA/XXXX XXXX does not want to honor the checks and they bounced it. See attached supporting documents.
Product: Credit reporting or other personal consumer reports

VICTIM OF IDENTITY THEFT PLEASE SEE ATTACHED LETTERS ISSUD TO FINANCIAL INSTITUTION AND BUREAUS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I filed a claim on XX/XX/XXXX - claim # XXXX regarding an unauthorized charge for the sum of {$250.00}, stating that this charges was among a series of fradulent charges from XXXX account that was successfully disputed but XXXX refused to address this particular transaction. I put forth the claim to Capital One from which this amount was withdrawn explaining the very odd circumstances that XXXX ( the merchant in this case ) refused to address so I had to dispute it through my bank. To my utmost disappointment ( but not so surprised ) on XX/XX/XXXX, Capital One responded in an email that the claim has been denied and that they agree with the merchant that the fradulent transaction is valid and that they will send me the documents supporting their decision. I have waited for over XXXX weeks for the so-called document but have received nothing. The reason I said I was so disappointed but not surprised is because Capital One continues to show its incompetence to represent its customer in cases of fradulent charges. Most of the claims I have put to Capital One has never been resolved favorably because they are always quick to jump to conclusions without investigating the case and has the habit of siding with the merchant instead of protecting their customer. It is a shame that Capital One has a team of representatives that are so incompetent and don't know what they are supposed to do. This is a simple case of fraudulent transaction, and if they had only investigated it would have been a simple resolution to have my {$250.00} refunded but as usual they failed to do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

these inquiries do not belong to me XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX of XXXX, I bought several items from XXXX, financed through XXXX XXXX My XXXX account was set up several years ago, with automatic payments deducted from my bank, and deductions/payments were made correctly. When I made purchases this year, I logged into my XXXX account to verify the autopay was set up to deduct from my preferred account. It was, so I thought all was well. 

In XX/XX/2024, I received a call from XXXX XXXX saying that I was past due on my account. I responded that I couldnt be, because autopay was set up. She told me that since I hadnt used the account for a few years, that I needed to set it up again. I logged in to make the payment- which I felt was more than it should have been, and tried to set up the autopay, but the site said it was already set up. However, I found the number of charges was more than they should have been, as Id returned some purchases. I thought Id give it a bit more time for the proper credits to be applied to my account. 

In XX/XX/2024, I checked my XXXX account, and it showed that all returned items and been accepted and credited. 
In XX/XX/2024, when I checked my XXXX  account, I couldnt tell if the proper credits had been made, and decided I needed to download all statements and compare with XXXX purchases, so I could be sure that all charges, credits and payments were correct. 

Early XX/XX/2024, I logged into my XXXX  account so that I could download my statements for XXXX and found a new site needing a totally new login. ALL my history was gone! It showed no purchase history nor payment history, only a balance due, which didnt look correct to me. The site advised if you had problems with statements to contact customer care. I called, went through the automation, and was on the music hold for 35 minutes before I finally hung up. 

Late XX/XX/2024, I received another call from XXXX XXXX saying that I was 31 days past due. I inquired about my auto-deductions, and she told me that I didnt have it set up. I explained that I did and inquired about their new website and about my account not being available to me. I also asked if she could transfer me to customer service as I had not been unable to get through when Id attempted earlier in the month. She said they would not talk to me because my payment was past due! I would need to make a payment and then try them again. She said she would deduct the {$50.00} late fee, but it wouldnt show until the next billing period. I logged into XXXX and before I made the payment, the site said my next payment was due In XXXX, and nothing about a past due. But it didnt have any other account information. 

My major concern is that XXXX has reported to the credit bureaus that I have paid late. This is not true! I didnt pay late, they failed to deduct. Secondly, now Im concerned about the 0 % interest rate Im supposed to have still being in effect. Finally, it seems they have also lowered my {$1400.00} credit limit as some sort of penalty, however Ive not been notified and cant see any details of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am a victim of identity theft, as a results of it multiple fraudulent accounts have appeared on my credit report. I have reached you regarding it several times - but unfortunately these accounts are still on my report without any changes. So I had to submit this complaint on your company in order to get some results. Please remove following fraudulent accounts from my credit history : Account Name : XXXXXXXX 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 Thank you