23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On approximately XX/XX/XXXX, my wife had a collections item appear on her credit report for XXXX XXXX showing the collection was opened XX/XX/XXXX. She immediately contacted XXXX XXXX who confirmed they do not have, nor ever had, an account in her name, my name, or our home address, on file. She then contacted the collection company, Mountain Run Solutions, who told her a copy of the contract and itemized statement would be sent to her within a week. 

On XX/XX/XXXX, Mountain Run Solutions had never followed up and sent the information so, she contacted them once again. They were advised that we never had an account with XXXX XXXX. No reply was ever received. 

Then, on, or around, XX/XX/XXXX, the collections item was removed from her credit report and placed on mine under the name, XXXX XXXX. Again, I immediately contacted the company regarding this issue. 

Finally, on XX/XX/XXXX, XXXX XXXX sent the contract and a letter showing the debt from XXXX XXXX was bought by their company in XXXX of XXXX. Still, we never had an account with XXXX XXXX ; however, after reviewing the contract, we discovered the account was actually with XXXX XXXX and signed XX/XX/XXXX. 

At this time, we spoke with the agent that sold us the security system and confirmed we cancelled our services, as required in the contract, and made the equipment available to the seller, as required. If he did not pick the equipment up, that is no fault of our own. It was available. 

We were never notified that XXXX XXXX bought out XXXX XXXX, nor were we sent any type of bill showing what we owed, or for what- from any of these companies. To this day, this collection agency has not sent us an itemized bill to let us know what this debt is supposedly for. The only thing we received is the contract that shows the address the security system was being installed at, where motions were installed in the house, the monthly charge for monitoring ( {$44.00} per month for 36 months ), and your usual verbiage regarding cancellation and credit procedures, etc. 

We did everything we were required to do. If we owe something, we were not properly notified, nor would this debt be from XXXX of XXXX. Again, this contract was dated for XX/XX/XXXX and only for 36 months, which would be XX/XX/XXXX. No one from XXXX XXXX, or Mountain Run Solutions, attempted to contact us ; we only found out about the alleged debt when it appeared on my wifes credit report, then removed from hers, and added to mine. We thought our identity had been stolen because the fact XXXX XXXX confirmed no account was found in their system for us. 

We have reached out numerous times to this collection agency to no avail, disputed on both our credit reports, and nothing has been done to resolve the issue. The charge is for {$2000.00}. This is more than it would even cost for three years worth of monitoring. It is severely impacting our credit, and is not even correct or truthful. If you look at the dates of their demand letter and, proof of purchase, they are dated for the date I was finally able to contact them.
Product: Debt collection

The Debtor is XXXX XXXX, and the XXXX XXXX is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX. XXXX XXXX, XXXX, AL XXXX. 

Their phone number is : XXXX. 

I have just been served with the SECOND Summons asking that I respond to their suit on behalf of XXXX XXXX. 

Mind you this is NOT a notice to appear, but rather a request to accept or deny the debt, and explain why I can not pay it. 

I have already written directly to XXXX XXXX, as well as responded to the first summons, where I indicated that yes, the debt is mine, but since illness has robbed me of my ability to work, I now have to survive solely on my Social Security. 

I explained that I have NO SAVINGS. 

Each time I have to respond to these things, it costs me XXXX that I do not have. 

I called the law firm, and tried to explain, and all I got was a clerk spewing legalese. When I asked her why they keep issuing summonses for the same information, her response was that they would continue to do so until I paid the debt. 

I confess that I got quite angry at this, because, as I already had explained, I CAN NOT PAY IT!!! 

I am mailing a CEASE AND DESIST LETTER today. 

Can they continue to harrass me this way/
Product: Credit reporting or other personal consumer reports

FTC Report Number : XXXX, Please remove the following fraudulent accounts : XXXX XXXX  {$1100.00}, XXXX XXXX XXXX {$3700.00}, XXXX XXXX {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this company and is on my report twice within to month
Product: Credit reporting or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I bought an Amex Gift Card at XXXX XXXX on Monday, XX/XX/year>. I put {$490.00} on it and ever since buying it, every single transaction has been declined on it despite me checking how to use it and all sites using it correctly. The Amex Gift Card website says that for a charge to not be declined the website must use the card number, expiration date, and security code. I have tried to use it on XXXX XXXX, XXXX, XXXX, and in-store at XXXX and all transactions have been declined. The transactions have between {$30.00} and {$460.00} and all are listed as declined on the Amex Gift Card website. I tried to call the number on the back of the card but there is no way to get ahold of a live person, you can only get the FAQs listed on the website read back to you by a robot.
Product: Credit card or prepaid card

On XX/XX/2020 I settled with Citibank over a charged off card with a balance of {$8200.00} for {$3200.00}, account XXXX. I paid this on XX/XX/XXXX, confirmation number XXXX. 
On XX/XX/2020 the payment cleared my bank. Citibank then reported an updated balance and negative status to XXXX, XXXX, and XXXX credit bureaus. I called Citibank on XX/XX/XXXX and XXXX, and XX/XX/XXXX asking them for a letter saying I had paid the settlement, and they refused, telling me to call back in 52 days. In XXXX, they continued to report negative information to the credit bureaus. On XX/XX/XXXX, XXXX. and XXXX, I faxed letters to Citibanks Credit Dispute Department requesting they correctly update the bureaus, because I feel they are in violation of FCRA 623. The account should be reporting settled, paid for less than full with a {$0.00} balance. Citibank reported to all three bureaus I was disputing the validity of the account, which I was not. They proceeded to add and remove comments such as " sent to collections and {$0.00} written off ''. After calling all 3 bureaus on XX/XX/XXXX, the disputes were removed. Citbank then reported the account negative again on the XXXX and XXXX of XXXX, adding and removing the dispute comments. I feel Citibank is being deceptive and reporting inaccurate information to the bureaus. Please see the attached settlement letter and bank statement showing payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX Accounts on my credit report that do not belong to me I have been trying to understand why these are even on my credit report I have sent out disputes to the bureaus regarding this I need this taken care of right away since I am getting frustrated by dealing with other peoples mistakes and how people are getting my information baffles me. 

Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I leased a pet through XXXX  which is managed by Monterey Financial. I leased a total of {$2600.00} and it stated that my payments would be {$180.00}. If I kept the lease the entire lease term it would be a total of $ XXXX.Which included a buyout of {$390.00} but that is not the case. Now it is the total of {$4900.00} plus the {$390.00}. I am trying to buy out the loan early by 14 months and they are stating that I would have to pay {$2000.00}. I have already paid {$2100.00} because I missed one payment and since I couldn't pay the two payments in one month I had to pay an extra {$120.00} to push the one payment to the end of term plus they charged me with 6 late fees for the 1 month I missed. No where in my paperwork did it state that my payment of {$180.00} was split to include a lease fee of {$99.00} so only {$90.00} was actually going to my principal. I am just trying to get it paid and move on but nothing is working. If I pay off a loan in half the time I should still be paying double of what I financed. I understand I made the decision but this is horrible and gets people into financial problems. I need help trying to settle this lease. Then also when a debit card transaction wouldn't go through they would charge another {$15.00} but it was never returned it was just declined.
Product: Credit reporting or other personal consumer reports

My credit hasnt been showing since XXXX despite its been showing on eqifax and XXXX. Please look into this so u can be aware of whats is really my credit score
Product: Debt collection

This debt is not mine. Someone opened a charge account with XXXX over eight years ago in my name and this company has placed a lien on my property. The owner is XXXX XXXX XXXX. I have contacted them and the person to talk to is XXXX XXXX. Her number is XXXX. The total of the debt is {$4500.00}. She is with XXXX and XXXX. They are managing the debt. I will be closing on my home in 30 days and need this removed and the lien taken off immediately. Also, I need it removed from XXXX and XXXX. I have offer them {$2500.00} at closing if they would agree but I really feel that they should just absolve the debt completely. I want you to contact her so you and her can figure out a solution immediately.
Product: Credit reporting or other personal consumer reports

Someone has attempted to fraudulently use my social security number open credit card accounts without my knowledge or consent. I kindly request that all credit bureaus take immediate action to remove all inquiries associated with these fraudulent attempts. All 3 credit bureaus- please scroll and look for your company 's 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I mailed by complaint to XXXX disputing what was reported and they mailed me indicating I was correct and nothing ever changed on my credit. Also filed with transunion.
Product: Credit reporting

I have attached the letter from Experian and I have asked them to remove XXXX XXXX for years. Additionally XXXX XXXX is trying to collect on a XXXX XXXX credit card that was paid, I have no idea how this happened as we continued to pay on some cards after the Chapter XXXX was filed ( which discharges credit card debt as a requirement ) but we chose to continue paying on the cards, our boat, car, etc .... 
After numerous attempts and written requests to Experian we are asking that Experian change its attitude as they need to be willing to reach out and verify information no matter how many times I request it. 
Again, ALL XXXX XXXX debts, including our car loan we had with them, were satisfied. 
Experian is by far the worst, the other XXXX reporting agencies are polite and helpful. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EXPERIAN AND XXXX REFUSES TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX and XXXX XXXX FROM MY CREDIT REPORT. THESE COMPANIES REFUSE TO DISCLOSE THE METHODOLGIES OF WHY THEY REPORTING THIS FRAUDULANT ACCOUNT AND WHAT INFORMATION THEY ARE OBTAINING FROM THE COMPANY!! THEY JUST KEEP SAYING IT WAS VERIFIED!! IT IS NOT VERIFIED!! DISCLOSE YOUR REULTS AND HOW YOU CAME TO THEM ALL TO ME -ALL THREE BUREAUS OR BE SUED AND REPORTED TO THE DEPARTMENT OF JUSTICE AND THREE STATES ATTORNEY GENERALSD!! THIS COMPANY IS GIVING CFPB XXXX THAT I AM NOT A REAL PERSON AND REFUSIING TO ACCEPT VALID STATE ID SENT TO THEM VIA THIS COMPLAINT TO PROVE MY IDENTITY TO INVESTIGATE AND REMOVE XXXX AND XXXX AND XXXX XXXX XXXX ALL THREE CREIT BUREAUS REPORTS!!. I DO NOT ACCEPT THIS COMPANIES RESPONSE.THEY DID NOT INVESTIGATE XXXX XXXX, FRAUDULANT XXXX XXXX XXXX OR XXXX XXXX AT ALL AND DID NOT SEND ME AN UPDATED COPY OF MY CREDIT REPORT. IN ADDITION IM A VICTIM OF FRAUD. THIS COMPANY IS LYING AND NOT PRODUCING DOCUMENTS UNDER FCRA SECTION 609 WITH MY SIGNATURE TO PROVE ALL THESE FRAUDULANT DEBTS, WHICH THEY ARE NOT VALID. EXPERIAN XXXX AND XXXX CAN NOT PROVE THIS DEBT IS VALID AND IS VIOLATING STATE AND FEDERAL LAWS BY NOT INVESTIGATING MY COMPLAINTS. XXXX XXXX AND XXXX ARE REMOVED FROM MY CREDIT REPORT. THEY ARE NOT VALID OR LEGAL DEBTS -THEY ARE FRAUD AND WILL BE REMOVED FROM MY CREDIT REPORT.I WILL SUE THIS COMPANY-EXPERIAN-I HAVE REPORTED YOU TO THREE STATE ATTORNEY GENERALS FOR FRAUD AND ILLEGAL ACTIVITY, NOT FOLLOWING FCRA. IN ADDITION THESE COMPANY IS REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON XXXX FOR FREE THROUGH XXXX WHICH IS ILLEGAL. XXXX  REFUSES TO ALLOW ME ANY ONLINE ACCESS TO MY CREDIT REPORT ON XXXX AND THIS IS ILLEGAL UNDER FCRA. REMOVE THESE ITEMS NOW OR BE SUED FOR MILLIONS OF DOLLARS AND PROSECUTED BY THREE STATE ATTORNEY GENERTALS OFFICES!! REMOVE XXXX XXXX XXXX AND XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORTS, OR I WILL KEEP FILING COMPLAINTS AND LAWSUITS UNTIL YOU DO!! THESE ARE FRAUD AND EXPERIAN XXXX AND XXXX DID NOT AND CAN NOT PROVE THIS ARE LEGITIMATE DEBTS. THEY ARE ALL VIOLATING FEDERAL AND STATE LAW AND HEADED TOWARDS MILLION OF DOLLARS IN LAWSUITS BY ME. IVE REPORTED EXPERIAN XXXX AND XXXX  TO THE DC AND CALIFORNIA ATTORNEY GENERALS WHERE YOU ARE HEADQUARTERED. THESE COMPANIES HATE OUR NATIONS VETERANS AND WOUNDED WARRIORS AND DISCRIMINATE AGAINST XXXX PEOPLE, DISABLED PEOPLE, AND DISABLED VETERANS!!! DO NOT SEND THE ATTACHED DOCUMENTS TO XXXX AND XXXX AND XXXX XXXX THEY ARE FOR EXPERIAN/XXXX/XXXX IN PROVING MY IDENTITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The amount owed has been paid or discussed and the item has not been removed from my credit report like promised.
Product: Vehicle loan or lease

My bank issued me a new card and when I tried to update the card information with the loan company they tried to tell me it was a falsified document and would not let me renew it therefore they have been trying to pull payments on a card that no longer exists and the bank has automatically denied it because of the fraud coverage for my bank it's not from lack of payment on them it's from them not understanding that they're using the incorrect information and they won't let me update it and their system for some reason and I do not know why
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One refuses to remove late reports for 2 of my credit cards for the months of XX/XX/XXXX, and XX/XX/XXXX. They claim the reporting is accurate, and there 's absolutely nothing can be done on their end to rectify the problems. I 'm currently looking for a home mortgage and the late reports are affecting my credit report score badly its affecting the rates I 'm being offered. The problem with Capital One is that they are not willing to understand that I was moving from XXXX to XXXX XXXX in XX/XX/XXXX, and have proof of a lease signed for XX/XX/XXXX. I tried explaining to Capital One that we had issues with not receiving our statements during those months. They claim I was signed up for electronic statements for 1 of my accounts so I should have received my email. I searched my inbox. The first email statement I have from them was received on XX/XX/XXXX, thats about 4 months after they reported me late to the credit bureaus. So something does n't add up. They do n't want to comprehend that I was in the middle of a move, and that I simply did not receive my statements. Other then these 2 months, my accounts have been stellar with them. I added a screenshot of my XXXX address that is registered to Capital One cards. I have 21 emails from them when I search for the subject line and sender, " XXXXXXXXXXXX Your card statement is ready " The oldest email found dates to XX/XX/XXXX. They claim I was already signed up for Electronic Statements for at least 1 card. I may have been signed up but their system had only started emailing statements as of XX/XX/XXXX. Prior to that date, all statements were being received in paper. The card ending in XXXX was signed up for electronic statements from XX/XX/XXXX. So where are my email statements for card ending in XXXX from XX/XX/XXXX - XX/XX/XXXX??? That 's almost a whole year of statements that should have been received as well, that I have no email record of. My second card, the one ending in XXXX was not signed up electronic statements until AFTER both late payments were reported, on XX/XX/XXXX. I believe this was done after I realized the bill for these cards had not been received, and when I contacted the customer service dept, the rep noticed the lapse in the 1 card being signed up for electronic statements, the one ending in XXXX ... but not the one ending in XXXX So their facts just do n't add up, and they just expect me to believe whatever they say without showing factual proof. They just send a letter stating that the reporting is accurate. Here 's my proof, and I need your help to get them to stop reporting incorrectly the credit bureaus now.
Product: Mortgage

We were charged a late fee of {$35.00} concerning our  XXXX  payment.  Fay Servicing po sted the payment on  XXXX   XXXX , but the check was cashed on the  XXXX . I have twic e e mailed them copies of the bank statements to attest to this fact and they  will not remove the fee. At the appropriate area of this form, I will copy and paste a 6 month payment history from my bank,  XXXX   XXXX   XXXX   XXXX .
Product: Debt collection

I have this information on my credit report : JEFFERSON CAPITAL SYSTEM Reported : XXXX XXXX, XXXX Overview You have 100 % left to pay on this collection. 

Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Closed No Info It is incorrect and they keep calling me. I have asked them to stop several times. I have explained to them that the information they are providing is false. 

1. ) I do NOT owe Jefferson Capital. I never got a phone or a phone line from Jefferson Capital. I never agreed to pay Jefferson Capital nor do I have an agreement with Jeffererson CapitaXXXX. 

2. ) They are reporting that this is a new debt and making my credit score go down and show me in collections. This debt is not a year and 3 months old. That's when Jefferson Capital purchased the debt. This debt occurred with XXXX in XXXX. Which is WAY over the statute of limitations that allows them to have it on my credit report. It should have fallen off after 7 years or 10 years at the most. It's now XXXX and Jefferson Capital is trying to call and collect someone else 's debt. I don't owe them and I'm not paying them.