23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Told them to send me something bearing my signature to verifiy it was mines they kept calling me telling me its going on my credit report which it did and they didnt send me anything with my signature
Product: Debt collection

Hello XXXX XXXX  ; CREDIT MANAGEMENT ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Vehicle loan or lease

the amount to get the car back was over {$1400.00} dollars the car sold for {$2000.00} leaving me with a balance of over {$28000.00} to pay they would not work with me my credit is taking a hit every month with them reporting 120 days past due as well as REPOSSESSED constantly sending me letters for demand of payments this a debt collector an information obtained will be used to do so the logo on the envelopes its so stressful I'm on XXXX i tried to get the missed payments put on the end of the loan due to several hardships was told NO THEY DIDNT OFFER THAT it's a very high interest rate loan the phone calls its a nightmare
Product: Vehicle loan or lease

On XX/XX/XXXX my husband, XXXX XXXX XXXX, passed away in an accident and we had insurance on our vehicle, a XXXX XXXX XXXX. The insurance company, XXXX XXXX XXXX, paid the full balance of the loan directly to Ally Financial in XX/XX/2019. Ally confirmed the loan was paid in full via phone call on XX/XX/19. They advised during the call the loan would be removed from my credit report within 60 days showing paid in full. In XX/XX/XXXX, my cousin emailed them because the loan was still on my credit. I received no response she. Then, again on XX/XX/XXXX my cousin emailed them and still no response. I went to apply for a home mortgage and they informed me the Ally auto loan still shows on my credit as open now almost 6 months later. When I attempt to call Ally deceased accounts, I am hold for over 1 hour without anyone picking up ( XX/XX/XXXX ). I just want them to properly report my account so I can properly handle the passing of my husband. I hope this message can help me get this corrected. The XXXX  insurance company was great and the information on their claim is XXXX. The Ally account that should be showing as paid in full is XXXX. The emails are available, please let me know if you need them Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX Account # XXXX, " XXXX '' Account : XXXX. Since 2017 XXXX XXXX XXXX has been trying to fraudulently shake me down for a {$150.00} fee that they said they had waived. I complained to FTC previously about this and XXXX XXXX XXXX sent me a letter saying that that this fee had been waived but they sent me over to collections anyway and my XXXX XXXX XXXX Account says I still owe them {$150.00}. My credit rating is fraudulently lowered to XXXX because of this. I have three separate collection agencies in 3 different states billing me for 3 different amounts of money now : XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, fl XXXX : {$150.00}, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. Creditor Acct. # XXXX : {$89.00}. XXXX XXXX XXXX  ( XXXX XXXX ), Account # XXXX, XXXX, OR Telephone XXXX : {$89.00}. I would like these adverse credit data removed from my XXXX XXXX XXXX account & all three ( XXXX XXXX  & TransUnion ) credit reports forthwith. I believe this form of Consumer Fraud is endemic in our nation and adversely affects millions of citizens. This shows that the Credit Reporting industry is inherently corrupt, contrived & engineered to intentionally defraud consumers through denial of credit & higher credit rates via this form of unconstitutional legal procedural chicanery.
Product: Debt collection

I have mailed many letters! after about XXXX certified letters the collection agency did removed the negative items from my XXXX and XXXX! 
But CMRE refusal to remove the negative items off my XXXX and ceased all communication!
Product: Credit card or prepaid card

Synchrony bank does not post payments in real time. It takes several days or even several billing cycles for a payment to reflect on my account. Neither the app or the website update my account in a timely manner. This makes it difficult to allocate payments to different promotional balances, which requires a phone call each and every time a payment is made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been XXXX XXXX XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i Affirm Inc Affirm Inc ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX Payment Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Worst Delinquency Charge Off/Other Derog Balance {$1300.00} Credit Limit XXXX PAYMENT HISTORY XXXX XXXX XXXX Open Date XXXX, XXXX XXXX Activity Terms 39 Months Scheduled Payment High Balance {$1600.00} Loan Type Other Responsibility Individual Company Name Affirm Inc Account XXXX XXXX Comments Account Previously In Dispute XXXX Now Resolved - Reported By Subscriber
Product: Prepaid card

there was suppose to be an update to the rushcard system on XXXX XXXX however there was a glitch and now I am getting charged a domestic POS fee every time I use my card which has added up to over {$35.00} in fees.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/year> - {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with XXXX XXXX XXXX XXXX  and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681XXXX XXXX XXXX XXXX Installment ) Accounts - negative accounts - Summary XXXX TransUnion XXXX Last XXXX XXXX, 2022 Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$1300.00} Credit Limit XXXX TransUnion XXXX Closed XXXX XXXX XXXX XXXX 2022 Open Date XXXX, 2022 Last Activity XXXX, 2022 Terms Scheduled Payment High Balance {$1500.00} Loan Type Unknown Responsibility Individual Account Company Name XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Comments Unpaid balance charged off XXXX XXXX
Product: Checking or savings account

I was in jail XX/XX/XXXX and I told my realtor to hold my car and I had no way to report my car stolen because theres no way to call the bank from the jail housing. My relative took XXXX and some dollars twice and I would like my money back in the bank refuses to give it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in serious violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was sent certified mail. They are in violation of my rights as a natural person consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

ihad a XXXX  account and had incorrect bal on it i filed dispute on balance with transunion and just an hour or so it notified me outcome they deleted my XXXX  account which caused my score to drop 108 points i called transunion and waited over an hour to talk with someone they insited they could not put it back on my account once they took it off advised me to contact XXXX  i did and XXXX  told me they only report to beraurs they cant put it on that transuinon would have to do it i got back in touch with transunion they gave me run around asked for copy of ss card and drivers liense to be sent i did still no change so i filed dispute with them and no word or comformation of my filing ti has really hunt me i want it fixed i didnt do it it was there mistake but dont admit it just fix it they dont care at all please help me
Product: Credit reporting or other personal consumer reports

All three credit agencies refuse to ad my personal statement to my credit report they must by law place my statement exactly as I right it and not change a word or block out any words I want them to add this statement EXACTLY AS IT IS AND AS IT SAYS The following two accounts XXXX XXXX and XXXX XXXX are both invalidation of Sec. 623. ( a ) ( 1 ) ( A ) reporting a balance and in collections on a debt they both canceled with a 1099c and all taxes were paid. The balance of both debts should read {$0.00} Status of debt should read Canceled 1099c and not in collections Court case In re Lukaszka, 2017 WL 273516 ) proves they must zero the balance and report canceled debt and not in collections
Product: Credit reporting, credit repair services, or other personal consumer reports

information has been reported to my credit unlawfully.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I transferred {$500.00} from my PayPal account to my bank account, The transfer never came through, I called my bank and they have no record of seeing the transfer so I checked with PayPal and it shows Pending, I called on XX/XX/2019 and got the run around, According to PayPal, Im the XXXX customer to have a problem with a transfer that day. 
I gave them almost a week to sort it out, I called XX/XX/2019 and they still have no explanation, and no way to resolve the problem, I asked to speak with a Supervisor and I get the same run around, no one knows how to fix the issue, or what the issue is, I asked them to put the money back into my PayPal account/cancel the transfer, they refuse to do anything at all. They wont even transfer me to the fraud department so I can try and resolve this.
Product: Mortgage

The company paid property tax payments out of my escrow account twice which caused my account to be overdrawn and a advance was given to cover the funds needed by Atlantic Bay Mortgage. In the beginning my county property tax was {$4400.00} but the county also issued a corrected property tax statement showing that my taxes were lowered to {$4000.00}. Atlantic Bay Mortgage ignored the statements and paid both amounts. There was not enough money in the escrow account to cover both tax bills because only one bill should have been paid. I emailed Atlantic Bay Mortgage both statements in a timely manner but they still proceeded with paying both amounts and then tried to cover up the error by issuing an advance of {$2200.00} to my account to pay both amounts. They also took the funds that were in the escrow account. This caused my combined mortgage payment to go from {$1900.00} per month to over {$2600.00} per month. This is money I, as a XXXX Veteran and social security recipient, do not have on hand to pay because of an error. I have called by phone, email and sent letters by postal mail to Atlantic Bay Mortgage but have yet to receive a correction or satisfactory resolution to this matter. Atlantic Bay Mortgage also proceeded with covering their tracks by issuing the payments as a Lien/Tax Distribution when I have no such lien. The customer service agent told me they were waiting on a response from the county tax agency. I called them directly and they confirmed that they did not receive two payments and that their system will not accept partial and over payments. All I need is a correction to the account and all errors resolved. I then need my combined mortgage/escrow account payment to be corrected prior to this high payment that they have forced on me in error.
Product: Mortgage

We filed bankruptcy and it was discharged in 2014, our mortgage company forgave the debt on our second mortgage but did not remove the lien and then it seems like they sold our debt to a collection agency. We can not refinance our XXXX mortgage because there is an additional lien on our house. When we contact the people who now own our lien they insist that we go into a repayment program for 5 years. We feel if they forgive the debt they should remove the lien! We did n't receive any documentation and did n't even know that they were forgiving the debt. We are grateful that they did but, if they do n't remove the lien then they really did n't do anything, we still have a XXXX and XXXX lien and ca n't refinance anything!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked credit report agency to verify accuracies on my credit report on XX/XX/22 for {$140.00} to XXXX XXXX XXXX. 
In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A section XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ;
Product: Checking or savings account

Offer : XX/XX/XXXX I received a special offer from Chase : Receive your {$1000.00} welcome bonus when you follow a link to open a Chase Sapphire Banking account which expires on XX/XX/XXXX. Ramifications of the offer included within 45 calendar days, transfer {$75000.00} or more in new qualifying money to a combination of eligible checking, savings or investment accounts ( INCLUDING THE YOU INVESTMENT BROKERAGE ACCOUNT ) and maintain that balance for at least 90 days. 
Steps I took : During the week of XX/XX/XXXX I followed my special offer link to open the account. 
On XX/XX/XXXX I deposited {$75000.00} of outside money into my new Chase sapphire checking account. On XX/XX/XXXX, I transferred {$74000.00} of that money into a Chase You Investment Brokerage account ( which is one of the eligible accounts required to maintain my balance for 90 days in order to achieve the {$1000.00} bonus. Since that time to this date on XX/XX/XXXX ( well over 90 days ),  Chase has still not provided me with the {$1000.00} sign up bonus. 
Steps I took to rectify the situation with Chase representatives : On XX/XX/XXXX - I sent my first inquiry to Chase via the online help message portal checking on the account sign up bonus that was well overdue and not yet deposited in my account. They responded this was a matter requiring the expertise of the customer service department with a phone number to call Later that week ( after the XX/XX/XXXX message ) I tried calling the customer service phone number, but was met with no support. The representatives could not help rectify the situation despite me walking me through the steps of the sign up bonus I fulfilled. They requested a confirmation email of hitting the bonus which I never received. They were unable to help and the phone call ended up dropping on Chases end. I later spoke with two more representatives who were also unable to help and had phone calls dropped unable to help rectify the situation. 
During the week of XX/XX/XXXX, I spoke with XXXX XXXX, a branch manager of the XXXX XXXX location hoping this approach would work. She spoke with her manager and they agreed I achieved the merits of the offer, but because I didnt sign up with them in branch ( I signed up online ), they could not help rectify the situation because their branch would lose money from fixing the situation. 
During the following week of XX/XX/XXXX, I spoke with another representative from the Chase Sapphire banking line who needed his supervisor to call me back to help rectify the situation. He mentioned the supervisor would call me within two weeks it has now been over 1 month. 
Apparently Chase representatives claim they cant track proof of me clicking on the link for the special offer even though I followed all steps aligned with my special offer email.
Product: Credit reporting or other personal consumer reports

I accordance with Fair Credit Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out XXXX student loans with XXXX. Im currently still in school and have not made any payments nor am I required to make payments until I am done with school. I called XXXX and advised of the error of them showing me late ONLY XXXX month and the remark for that XXXX month is showing late XXXX days. There are no other months showing late so how could it be late XXXX days. Also, I never paid any payment so how could you be reporting a late payment???? XXXX advised they dont show me late and I should talk to the credit reporting agencies to file a dispute. So the second thing I did was a dispute with all three credit reporting agencies. I asked to have all XXXX accounts removed since they are violating by reporting inaccurate information and in violation of FCRA for also not sending me proof of verification as I requested. So I am now making a complaint. 

I would like all XXXX loans on each credit report removed for reporting inaccuracies. On all XXXX of my credit reports they are showing the following errors for each loan : 1. XXXX section shows each loan late XXXX days 2. There is only XXXX month with a red X that represents XXXX late payment in XXXX of XXXX so how is the loan XXXX days late. 
3. They should not be reporting any late payments at all because Im not done with school. 
4. Each loan is on my credit reports are reporting XXXX different balances Loan # XXXX is reporting highest balance of {$3500.00} and its showing reporting balance {$3600.00}. 

Loan # XXXX is reporting highest balance of {$3000.00} and its showing reporting balance {$3300.00} Loan # XXXX is reporting highest balance of {$1700.00} and reporting balance of {$1800.00} Loan # XXXX is reporting highest balance of {$520.00} and reporting balance of {$570.00}. 

5. Its showing XXXX of the loans as closed which caused my credit score to drop. Also, they are reporting payment status every month and paid amount says {$0.00} for each loan.
Product: Checking or savings account

My debit card was stolen from my workplace, the thief has all my personal information including driver 's license. XXXXbridge cre st tel number XXXX XXXX AZ was notified to cancel a pending transaction. They refused, I spoke with two people XX/XX/XXXX Monday morning, that they did not verify the payment my card was stolen that night. They refused to cancel payment or even tell me who paid for their car XXXX XXXX XXXX  on XX/XX/XXXX. I gave them the exact time the transaction was done and the amount of {$500.00} was charged. They did not help at all and they are worse than the thief. XXXX cash-Merchant. Description XXXXBRIDGECREST should be penalized for allowing its customers to use stolen cards to make payments. Please call them to demand they give you an account of the person who made payment for their car with an account ending in XXXX at XXXX XXXX.
Product: Debt collection

There are unauthorized accounts on my credit report that are hurting my credit.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report. i noticed that i have been a victim of Identity Theft and found numerous credit inquiries that i have no knowledge of. Here are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent inquiries off my credit report. I also attached my identity theft report.