23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account suddenly showed up on my credit report XX/XX/XXXX. I have no clue as to where this debt came from nor have I received any notice of this debt prior to them reporting it on my credit report. It 's apparent they have my address to send me notification as I just disputed accounts with this company and they responded to my address regarding the disputes. According to my credit report, the date of 1st delinquency was XX/XX/XXXX but the debt was not assigned to this office until XX/XX/XXXX and did n't report until XX/XX/XXXX ( when I began disputing other accounts this company had reported and DELETED once I disputed them. I would think that a company must give some sort of nitification prior to reporting on my credit report. I am trying to achieve certain financial goals and I just paid XXXX accounts from the hospital I went to just to simply avoid any sort of credit reporting. Had I Gotten something from this company prior to them reporting it after researching the account with my insurance company as well as the hospital, if it where something I owed, I would 've paid it as well. This is obserd that companies are allowed to get away with this and it 's a constant battle to have to protect yourself against collection agencies that are out to collect no matter what the cost to a consumer. They can brake the laws and I 've had enough of it. I 'm reaching out to CFPB in an attempt to have this handled correctly. Not only do I expect the account to be removed but I want proof that this debt is even mine because I 've always had insurance and I find it very strange that suddenly a collection comes from your office when I disputed other accounts reporting on my credit report.
Product: Credit card or prepaid card

On XXXX occassions when I tried to use the card to pay for a purchase, the card was declined. I have now called the card issuer 3 times. When I enter the card number into their automated system, the message I get is that the card number is invalid. 

I have spoken to a card issuer rep on XXXX separate occasions. Either I get placed on hold and no one ever comes on the line, or I get disconnected after explaining my situation. I am courteous and respectiful, so I don't know what to think.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX  XXXX Acct 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to dealerships car shopping the past 2 years. I told them I only wanted my credit ran once. They ran my my credit 22 extra times. To these banks listed. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Goodevening ; I have found on my credit report inquiries that do not belong to me and I have asked EXPERIAN XXXX AND XXXX TO REMOVE FRAUDALENT inquiries XXXX CARD SERVICES ( bank ) XX/XX/XXXX, XXXX XXXX Finance ) XX/XX/XXXX, XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX ( Construction ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Bank XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX, XXXX The berau companies have recently have a settlement for not complaying with federal law and removing fraudalent things out of peoples report and now they doing it again by not letting me get a mortgage with this inquiries that are fraudalent. I ask please to remove all those inquiries that are not mine
Product: Debt collection

My mother received an email from XXXX with a {$480.00} invoice for bitcoin. Invoice included a phone # that she called. The man she spoke to had a thick accent and told her that her email had been hacked in NY, NJ, and Ohio and offered to connect her to the fraud dept of her bank. Then he transferred her to XXXX at " XXXX XXXX  Fraud Dept. '' She asked for the following information that my mother provided. 

Name Date of birth Last four of social security number She told them she has a XXXX Credit Card and Debit Card along w/ checking and savings accounts I do not believe she was really talking to XXXX and that she's been a victim of a scam. She is an elderly woman whose husband is in the hospital with XXXX  XXXX XXXX and just had a XXXX XXXX. She is overwhelmed and didn't think about who she was giving her information to.
Product: Credit reporting or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any accounts which were opened without my knowledge, consent or authority within 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefor, I demand validation and verification of the alleged debt. 
Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Closed Credit Card Accounts from Credit Report Dear XXXX XXXX XXXX am writing to formally dispute certain entries on my credit report that pertain to closed credit card accounts, which continue to inaccurately report balances or account activity, affecting my XXXX XXXX. The accounts listed below have been closed or charged off, yet they continue to report updates without my consent, in violation of both federal and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are either closed, charged off, or have no balance due, and they should no longer impact my XXXX XXXX or report any updates without my express consent.

Legal Violations : Fair Credit Reporting Act ( FCRA ) : As per 15 U.S.C. 1681c, closed accounts should not continue to report inaccurate balances or account updates. The continued reporting of erroneous balances is a violation of this law. 

Maryland XXXX XXXX XXXX ( MD XXXX. XXXX XXXX XXXX ) : The state law prohibits the dissemination of inaccurate information and deceptive practices. XXXX closed accounts with misleading or incorrect balances qualifies as such practices. 

I request that these accounts be immediately removed from my credit report, as they reflect inaccurate information. I have not provided consent for any continued reporting of these closed accounts, and they should no longer be included in my credit report. I have enclosed a copy of my credit report with the disputed entries clearly highlighted for your reference. 

Please conduct a thorough investigation and correct my report as required by law. I also request written confirmation once the inaccuracies have been addressed and removed. Should this issue remain unresolved, I will have no choice but to take further legal action under both federal and state laws to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and the removal of the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ; Companies Name & account Number XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ; Hard Inquiry Filling date XX/XX/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..
Product: Mortgage

My husband and I applied with our mortgage company, BB & T Home Mortgage, to refinance our mortgage on XX/XX/2020. During that process we were charged twice for an appraisal and a credit report. We paid by check # XXXX dated XX/XX/2020, the amount of {$560.00}, and originally with our Visa Debit Card on XX/XX/2020, the amount of {$560.00}. They only obtained one appraisal and one credit report, and we are simply asking to be refunded in the amount of {$560.00}. We have asked repeated and to date have not received a refund.
Product: Credit card

I've consistently maintained on-time payments for this account, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Checking or savings account

I noticed my account was missing apx {$490.00}, called PNC, disputed I think 4 atm transactions, that I did not authorize or personally withdraw, due to the fact that I am XXXX through the SSA, receive XXXX, because XXXX XXXXXXXX XXXX XXXX XXXX XXXX! XXXX XXXX XXXX and would need someone to load me in a car , drive me to an atm, and then some how get me to the atm to be able to withdraw from an atm. So how can my claim be denied? I can't physically withdraw from an atm!
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 I applied for a secured line of credit with Navy Federal I put down a limit of XXXX dollars for XXXX  months I paid my card on time and accordingly. Unfortunately due to a string of tragic events I was unable to keep up with secured card balance. The institution Navy Federal then went on to place my account with months of late payments following a result of my account being labeled Charge- Off. I am aware the IRS clearly defines a Charge- Off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
Product: Credit card or prepaid card

Discover bank approved me for a secured credit card with an opening deposit of {$2000.00}. After the opening deposit was paid I was sent an email from discover bank stating they cant open my account until I authorize them to review my tax statements. I did not feel comfortable with this company reviewing my tax statements so I called on XX/XX/XXXX and requested my security deposit be returned. The gentleman stated that the account would be closed as I had not received a card and my security deposit would be returning in the next 10 business days. 4 other times during the month of XXXX I contacted Discover bank inquiring about my security deposit and each representative stated that it had been mailed out. On XX/XX/2021 I spoke with a supervisor XXXX out of Ohio that advised me that even though the account was closed and the card had never been activated the security deposit was never processed to be returned. She then proceeded to say it wasnt her fault and all she could tell me is it will take 3 days for her supervisor to review it then another 10 days before I would get a check mailed to me. I advised her that I have given discover bank over 30 days and that I needed an answer as to when my money would be return. XXXX then told me there is nothing else she can tell me and after I requested to be transferred to someone who can help me she hung up the line.
Product: Credit card or prepaid card

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a collection? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting

Several years ago my report had me with a XXXX address. I have never set foot in the state. I sent a dispute. They denied it saying I would have to prove I have never lived there. I could n't think of a way to do that. No when the ask security questions to get my reports or dispute because I do n't know the answers I am shut out of my own reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I co-signed a private loan for my son. It was required because he was a dependent student. Payment was initiated by me on about XX/XX/XXXX. At this time he had graduated. I continued those payments until about XX/XX/XXXX. 

At that time he updated my credit record to show that loan was initiated in XXXX. Contact was made with all parties that I thought would be able to help me clear up the data. I contacted the Credit Bureau and the response was that Navient claimed the report without showing that they performed any research to confirm. 

This occurred a few months after Sallie Mae split up and separated Federal and Private loan agencies. 

With no where else to go I found a lawyer that would take on my case. As this also involved my son, the lawyer added him as a plaintiff. Navient dragged out the process in the court system for about 3 years. As I had lost confidence in our legal team, finally I decided to drop the case without prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is obligated by the FCRA to report accurate accounting. Consumer had advised all the inquiries and said derogatory reported was fraud. said company had 4 days according to the LAW to remove such items. FTC Fraud report was filed on behalf of consumer, consumer is requesting Equifax to provide the documentation used to determine inquiry was indeed authorized by the consumer Equifax has 15 days to provide me with name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am not asking for a E-oscar report. If Equifax does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. Equifax commission file number XXXX .XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, New York XXXX. 
Equifax is securitizing consumer data yet refuse to provide consumer a copy of their Consumer FILE not Consumer Report. 

XXXX  - XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax ) XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX - XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XXXX XX/XX/2021 Equifax XXXX Equifax Account # : XXXX XXXX Account # : XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is reporting information that is inaccurate. I notified them of these inaccuracies in XXXX and they have yet to respond and it has been over 30 days.
Product: Mortgage

I ask that US Bank issue my escrow overpayment refund check be issued in my name only. I am divorced and my ex wife has no ties to my property per divorce decree. My mortgage loan payments have been paid only by me and my bank account. US Bank issued a check for my escrow refund with my ex wife 's name on it knowing I can not cash or deposit the check back into my account where the funds came from in the first place. I have a worthless {$990.00} from US Bank. It's my money and i want to be paid back for the overcharges they inflected on me for escrow. {$200.00} or {$300.00} extra is understandable but almost {$1000.00} extra is excessive. They want to pay me back with a worthless check. I want US Bank to cancel this check and issue me a new check with my name only on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THE XXXX ACCOUNTS REPORTING ON MY CREDIT REPORT WITH XXXX  ARE FRADULENT ACCCOUNTS, I HAVE NEVER DONE BUSINESS WITH XXXX XXXX  OR XXXX XXXX XXXX. HAVE THESE XXXX ACCOUNTS WITH XXXX  XXXX  REMOVED OFF MY FILE. SEE ATTACHED FTC AFFIDAVIT
Product: Credit reporting 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 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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Resurgent Capital Services is claiming I owe them for two debts they are currently reporting on my credit report. XXXX  XXXX XXXX Ref ID XXXX & XXXX XXXX XXXX ref I'd XXXX. The FDCPA entitled me the right to request these debts be validated, I sent two letters certified mailed and the information received did not validate the date in fact it looks unauthenticated. As if it was typed in house & not information provided by an allged credit card agency. This was the letter I sent requesting information they should have in house I also enclosed what they sent me which I can easily duplicate on a type writer. 
T0 : Resurgent Capital Services This is my 2nd attempt in trying to get the issues in my credit report resolved. I wrote you a letter in regards to two accounts you have listed in my credit report. 
1. LVNV Funding LLC # XXXX XXXX XXXX {$920.00} 2. LVNV Funding LLC # XXXX XXXX XXXX XXXX As a reply to my concerns I am just receiving template letters stating these accounts are verified. By law the information I am requesting I am entitled to if you can not provide this information these accounts need to be removed. The information I am requesting on the accounts are listed below. 
1. Original Contract with my signature 2. Pay off disclosure 3. Interest rate 4. Balance History 5. Payment History 6. Credit Insurance
Product: Debt collection

They keep calling me with a automated system so I asked who was calling and they would not tell me what or what they do just out sourcing. I have recordings and photos of my caller ID. I would not owe nothing within the last 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account resolution and persolve removed the account and illegally reinserted without given a proper 5 day reinsertion letter.
Product: Debt collection

Calls almost everyday, debt removed from credit report because it was not a valid charge. Debt collector keeps calling even though XXXX has reversed the charges because I didnt owe for the bill
Product: Money transfer, virtual currency, or money service

The first time they gave me a link with how to do it. But it seems that every time I try to set up a 3rd party withdrawal I have to contact them again and wait for some site link.
Product: Mortgage

Ocwen misdated a foreclosure letter causing me to miss out ona deal to repair my fire damaged house. They also demolished a freestanding garage after foreclosure that was in very good condition, my insurance man valued it at {$20000.00}. This eliminated any equity in the sale. They also listed and scheduled demolision of buildings on a separate lot that I owned free and clear. {$5000.00} worth of tools were taken from an outbuilding on this lot.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Re : AES SERVICER FOR MY LOANS WITH XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have mailed and faxed to Cancel Autopay for All Loans with Loan and Graduate Services. I am resending a letter from XXXX XXXX as as my checking account is still being auto debited after cancellation request. The letter was sent in the same envelope with my request for a settlement/different repayment terms which I received a reply on. The request to cancel auto debit seems to have been ignored since it has continued. Of note, I sent a request to cancel auto-debit over 6 months ago, but only my XXXX/XXXX XXXX  stopped debiting. Therefore, this is my 3rd request to properly cancel auto-debits.