23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received the below email but I have no idea who this company is nor who the company is I am supposed to owe this money to. I checked my credit report to see if anything had been turned in against me by them or anyone else for this amount and there is nothing there. Due to them having my personal information, I contacted my bank to let them know what was going on so my account would not be compromised. There was no number to call and no representative 's name in the email. I have deleted my personal information that was in the email. They had my correct information. 


NATIONAL CREDIT ADJUST XXXX XX/XX/2020, XXXX XXXX ( 23 hours ago ) to me Dear : We have given you every chance to resolve this matter outside the court house but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment, we have turned your account over to our attorneys and instructed them to commence suit without further delay. There is still time, however, to avoid suit if you pay settlement amount today. This will be your final opportunity to resolve matters without the expense of court proceedings. 



At this time your case file has been marked as a primary suspect, so at this time if I send you something in a writing its defamation of character, as well as it was mentioned in the contract paper between you and the company that if a person is failing to repay loan in a stipulated time period, then the company is not able to send you any kind of written documentation, FDCPA rules and regulation under the section us law [ 15 USC 1692c ] 805 ( b ) you need to check it out or you can also ask for any federal attorney. 



3 Hard allegations have been pressed against your name and your all information. 



1. Violation of Federal Banking Regulation. 

2. Collateral Check Fraud. 

3. Theft by Deception. 



Financial and personal contact information are current per our skip trace. 

Personal information regarding this account obtained with a recent skip trace : Debtor : SSN : Drivers License : Bank name : Account number : Routing number : We are prepared to proceed with legal action. However, our company would prefer to give you one last opportunity to make payment and avoid legal action. 





If you take care of this out of court then we will release the clearance certificate and we will make sure that no one will contact you in future. 



Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house. 



Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you, Sincerely, NATIONAL CREDIT ADJUSTER,
Product: Credit card or prepaid card

I made a purchase through alibaba on XX/XX/XXXX. I have never received the products. This was for XXXX. I tried to resolve with the business but they kept sending me empty boxes and then showing that I received my products. I did not. I provided emails to navy federal where they admit they never sent the products and also where they threaten to kill me if I dispute the charges. Navy federal found in the favor of the company. I do not understand this. How can this be? Dont they have an obligation against fraud on my credit card?
Product: Debt collection

Good Morning I have noticed that the debt appeared on my credit after my monitoring service notified me in XX/XX/2018. I waiting for the notice of debt to be mailed, However, according to the law a letter never was mailed by the stated company. I decided to send Diversified Consultants a letter myself requesting verification and ownership of the stated debt. I received a notice with just a face sheet with a simple amount owed. This is not considered verification or ownership of the debt. The letter threatened to take legal action and would have an adverse effect on my credit. I just want to be assured that the debt is correct and that this company definitely is suppose to be collecting this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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

There are items on my credit of medical bills that are NOT mine and I would just like it removed and be done with it. I am a healthy male that has not been to the hospital or need to go. SO this bill is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The students loan amount is not correct information. Over {$5000.00} was discharge in a bankruptcy case. The amount is incorrect and was discharge in 2013 and the amount was consolidated in a loan with XXXX  and pass on to mohelda
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I have been trying to dispute this account that is on my credit report. I am not aware of this account and have asked the company to send me any Original Signed Contracts verifying this debt owed. I have made three attempts to send letters asking for all supported documents that supports their claims. This company has not responded within 30 days. 

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

checked credit report and saw Acheive personal loans nerver had a loan with that name, please remove asap under section 18 of FTC act asap.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to request the removal of several negative items from my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). These items are as follows : UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with account number XXXX. This account has a payment history despite being a charge off, which is a violation of the FCRA. I request that it be deleted immediately. 
XXXX  XXXX XXXX with account number XXXX. This creditor has reported 60 day late payments on my account for XXXX and XXXX of XXXX, but I have never been late on this account. They have admitted over a recorded phone call that these late payments were an administrative error on their part and agreed to remove them. A copy of that XXXX file of the call is included in this complaint. The creditor has also failed to prove that they sent out an early warning notice as required by the FCRA. 
XXXX XXXX XXXX with account number XXXX, XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX  with account number XXXX. These accounts have a payment history despite being charge offs, which is a violation of the FCRA. I request that they be deleted immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with account number XXXX, and XXXX XXXX XXXX XXXX  with account number XXXX. Kindly investigate and make sure these accounts belong to me because I can not recognize these businesses. Please delete these accounts from my credit report in accordance with the FCRA. 
I would like to emphasize that these items are causing significant harm to my credit score and financial well-being. As such, I request that you take immediate action to address these violations of the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, 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 items 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
Product: Debt collection

I have asked Harley Davidson many times to stop calling me, they refuse and say that I have to send a certified letter to their attorney to make the calls stop. 

They call 5 times a day every day, which I believe violates the law because they are not supposed to call me more than 7 times over a 7 day period. 

In the past 4 days there is a total of 22 calls from them. They call at XXXX on Saturday and wake me up, i've asked them to stop. 

They call on different numbers. 

Please help me.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX approved for {$800.00} loan. I did not know about the  659.6368 APR unti l the money was posted to my bank account. My loan payment schedule is stretched out to XX/XX/XXXX paying over {$200.00} twice a month. THIS SHOULD BE ILLEGAL. This is the first action I 've taken so far. Please help!!!! Thank you.
Product: Debt collection

I paid XXXX medical bill to American medical collection onXX/XX/2019 well after paying the bill I started monitoring my credit and it still show unpaid so I called AMC to inquire and ask why they had not reported it paid the lady was very rude refuse to let me speak with a supervisor to express my concerns she explained to me it may take up to 60 days before they report it paid now that don't seem right in the information age with a click of the keyboard to show paid Now they may be charging the company who holds the debt I am not sure but if I paid the debt it should be removed within a ample time 48 hr at the most its only take them 2 hr to generate a file for collection as a consumer I think someone should consider a legal approach by not removing something paid you are affecting my credit score which have an affect on my purchasing power to get the best rate or may not be approved at all now that seems like double jeopardy especially when it is a bill you didn't know about I have reach out to my congressman and other elected offical
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX, I was approved for a line of credit for XXXX XXXX CREDIT CARD SERVICES. XXXX XXXX CREDIT SERVICES failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. XXXX XXXX CREDIT CARD SERVICES is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but XXXX XXXX CREDIT SERVICES defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. XXXX XXXX CREDIT SERVICES is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from XXXX XXXX CREDIT SEVICES contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to XXXX XXXX CREDIT SERVICES with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.
Product: Credit card

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Product: Debt collection

Over 60 phone calls in a 3 day period and harassment of my children if they happen to answer. They constantly ignore when told to cease all communication..
Product: Credit reporting or other personal consumer reports

Accounts are listed on my consumer report are invalid. Please see the attached for complete arbitration details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is my ID, all other addresses on my report should be blocked for they are not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Debt collection

The original creditor was Citibank ( this is to amend an earlier report that inaccurately listed the original creditor ). Due to financial hardship ( loss of jobs ) in approximately XXXX, I could not continue the payment on the account. It was sent to XXXX and XXXX in XXXX  XXXX. I was repeatedly harrassed, the debt inflated quickly, but I eventually reached a settlement agreement with XXXX XXXX XXXX that I repeattedly told them was beyond what I could pay. They still insisted and set up an automatic bank withdrawal via post-dated checks. I called after every payment to indicate that I could not make the next payment. When the last payment was due, I did not have the funds and could not come up with the funds. I called to let them know, they drafted anyway, and it bounced. When I tried calling to set up some way to make the last payment, they told me I was out of luck and that I would be responsible for the entire debt before the settlement because I failed to make the payment. I didn't hear from them for quite a while until I became aware of a default judgment against me in XXXX. They had served the renter of our property, and I never received the summons. Earlier this year, I received a call indicating they would like to discuss the matter. With over a decade since the original conversations, I asked that they send me documentation in writing instead of an inflated value over the phone of an amount that is quite larger than the original debt and the judgment. I have yet to receive anything. It has been months. I would like this matter settled in a fair and accurate way as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by 83 points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureau to restore my credit score back to XXXX. 
This is yet to be done.
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. XXXX, XXXX and Equifax continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts.

- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts.

- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a persistent issue I have encountered with the credit reporting process. Despite my efforts, incorrect addresses continue to be listed on my credit report, negatively impacting my financial standing. 

I have contacted the credit bureau multiple times to address this matter, but unfortunately, the incorrect address remains unchanged. I have attached documentation supporting my attempts to rectify this issue, including correspondence with the credit bureau and proof of my correct address. I understand the importance of accurate credit reporting and the impact it has on one 's financial profile. 

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the removal of the inaccurate address from my credit report. I appreciate your attention to this matter and thank you in advance for your assistance in resolving this issue promptly. If you require any additional information, please do not hesitate to contact me.
Product: Credit card

Applied for Chase Freedom credit card because of XXXX dollar cash back reward offer. After criteria met cash back was not applied. Called twice and finally spoke with supervisor who stated they do not know why it was not applied but could not do anything about it.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX REFUSES TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. THE OTHER 2 BUREAUS DID THEIR INVESTIGATION FOR 30 DAYS AND THEY REMOVED THE FRAUDULENT ITEMS BUT EQUIFAX REFUSES TO REMOVE THEM. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES.
Product: Mortgage

my mortgage company keeps change my fix mortgage payments. By adding things that I did n't ask for and then tacking on interest.
Product: Credit reporting

This account was included in a bankruptcy and should now be closed. I have disputed it but I just get a message saying there 's an error and it continues to show as open on my credit report. I have called the collection company and they do not return phone calls. I am just requesting that they at least change the status from open to closed.