23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I joined XXXX XXXX in XXXX Tennessee in XXXX. After being a member for a year, I gave them due notice regarding cancelling my membership. I spoke to the customer representative in person and she annotated my cancelation. Thirty days passed and they continued to collect the monthly payment, even though they had agreed to cancel my membership. I attempted to speak to the representative and the original representative no longer worked there. The new representative wanted to start the process all over again. I cancelled my card the following day. While checking my credit on XXXX XXXX, I noticed a derogatory mark that impacts my points. It is a collection agency, 1st Crd Srvc opened XX/XX/XXXX with the original creditor being XXXX XXXX XXXX for the amount of {$120.00}. This is not about the money, this is about a blatant consumer abuse. Their ineptitude for not cancelling my membership when they agreed upon it, then losing the employee who originally processed my cancellation, then wanting to start this 30 day process all over again, is just plain wrong. XXXX XXXX in XXXX wanted to continue to charge me for a service that I no longer wanted. I did what was needed originally and gave them the contractual notice of cancellation.
Product: Debt collection

Upon looking over my credit report I noticed an account opened fraudulently in the amount of {$3100.00} I have no knowledge of this account nor did i open this account. I attempted to contact the collection agency with no result or help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX account below is showing as a charge off and failure to pay. This information is not correct. I have attached proof of payments as well as I have future payments setup to pay. By law a company can not give you a charge off and still collect payments on an account. They have also made treating comments and remarks about how they can collect for this debt. 

Details Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$27000.00} Balance Updated XX/XX/XXXX Original Balance {$45000.00} Monthly Payment - Past Due Amount {$27000.00} Highest Balance - Terms 75 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Comments - Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Barclays to validate the debt being reported on my credit report. I contacted the company to resolve this debt and was informed that they would send me proof within 30 days. Instead, my information is being reported to a third party without my permission a violation of FDCPA 1692.809 ( a ) ( 4 ) This FDCPA covered entity and their business associates shared my personal information without my permission or having signed a release. My privacy has been violated, security and records have been breached. 

I am requesting they provide me with a validation of the debt and my address that is on this bill. My claim is a dispute and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ). I would also like to have proof that this debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

act XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX ) also Account # XXXX XXXX XXXX XXXX. XXXX put information on multiple areas. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX 15 U.S.C 1681 section 602 A. States I have 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.SC. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Mortgage

Hello, My mortgage, which is serviced ( if you can call it that ) by Nationstar ( " Mr Cooper '' ) is impounded. The annual hazard insurance renewal date is XX/XX/XXXX. 

Since XXXX when Nationstar Mr Cooper took over the servicing of my mortgage, it seems they are unclear on who is supposed to pay the insurance premiums. 

In early XXXX, XXXX, I received a notice of nonpayment of premium from my hazard insurer, XXXX ( XXXX ). I immediately contacted Mr Cooper electronically and followed it with a mailed letter reminding them that THEY are responsible for making sure my hazard insurance remains in force. This was very stressful - I have no faith in Mr Cooper 's ability to service my loan properly. 

At the same time, I received a letter from Mr Cooper telling me that they were going to force-place a policy. 

I finally received a reply to my initial contact ( digital ) with Mr Cooper yesterday ( XXXX ), XXXX months later. 

It turns out the premium had been paid by Mr Cooper, but not until the day prior to the policy 's renewal date. 

Considering the funds are in my escrow account well before payment is due, I think this is very sloppy business. It caused me to spend time in researching and writing letters and, as I said before, was very stressful and placed my property at risk. 

I do not trust Mr Cooper.
Product: Mortgage

The lender would rescind the trustee 's sale and allow the process to continue.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 

Fraudulent account : XXXX XXXX XXXX XXXXXXXX {$240.00}
Product: Credit reporting or other personal consumer reports

I am writing to address an ongoing issue with fraudulent items on my credit report. Despite my initial dispute, these items persist, and I am making a second attempt to have them removed as they are significantly affecting my financial standing.

I previously contacted your organization to dispute the presence of fraudulent items on my credit report. These items are not an accurate reflection of my financial history and have caused substantial harm to my credit score, making it challenging to obtain loans, secure favorable interest rates, and achieve my financial goals.

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items.

Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation.

Documentation highlighting my responsible financial behavior and positive credit history.

Despite my initial efforts, the fraudulent items continue to negatively impact my credit report. I am deeply concerned that these inaccuracies may further hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial well-being.

I formally request a thorough reinvestigation into this matter. I urge you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately represents my financial responsibility.

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which require a response within 30 days of a dispute.

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your immediate assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was scammed online through my Fifth third account. They purchased XXXX XXXX accounts in the amount of {$500.00} each for a total of {$1000.00}, then attempted to steal money from my home equity account. Fortunately I was able to stop that from happening, and got all of my money back except for the {$1000.00} for the XXXX accounts, which were promptly closed. The bank has disputed this amount, stating I had done this when I had not, then took {$1000.00} from my checking account. They claim I owe them the {$1000.00}. Since then they have taken {$530.00} from my savings and have turned me into a collection agency for the rest. I did not make these transactions and I have filed a police report about it. The bank has turned down my appeal, but I believe I am entitled to Regulation E Protection, which states the bank is required to refund stolen money. Is there anything you can do to help me resolve this, or direct me to someone who can? I appreciate your attention and time. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Disputed Collection Account - XXXX To Whom It May Concern : The following collection has violated my federally protected consumer rights. I am writing to dispute the collection account that is erroneously appearing on my credit report. 

This alleged debt from XXXX was sold to XXXX XXXX XXXX, but I never signed any agreement authorizing this debt or collection actions. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector may not use unfair practices when collecting a debt, including falsely representing the character, amount, or legal status of the debt ( 15 U.S.C. 1692e ). 

Furthermore, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies must ensure maximum possible accuracy of the information contained in a consumer 's credit report ( 15 U.S.C. 1681e ( b ) ). Since I never agreed to or authorized this alleged XXXX debt via any signed contract or agreement, any collection actions are invalid. The collection account on my credit report is therefore inaccurate and must be removed immediately, in accordance with the FCRA 's accuracy requirements. Reporting information that you know or have reasonable cause to believe is inaccurate and failing to correct inaccurate information after notice is a violation of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ), XXXX ( b ) ). 

If you do not promptly remove this collection account from my credit report, I will have no choice but to file a lawsuit against for violations of the FCRA and FDCPA and seek actual damages, statutory damages, and attorney 's fees. To protect my rights under federal law, I demand that you remove the inaccurate XXXX collection account from my credit report within XXXX days. I look forward to your prompt attention to this serious matter.
Product: Debt collection

These people continue to call me on a debt that I do n't think is mine. I do not believe that it is identity theft, I just believe that they put the wrong name on the wrong debt. They refuse to work with me on this. They say the only way it can not be mine is that if it was identity theft. I sent them a letter telling them that the information on the debt does not match up with mine except for the name. They tell me XXXX different times that they will send me a dispute packet without actually sending me a dispute packet. This last lady that called me, just like the XXXX other times before, called me like I had never disputed it until I say something. She was the rudest person that I have ever talked to about this issue. She blamed me and the post office for not receiving the dispute papers. Then I said that if I say I would pay it you would probably react a lot quicker. That is when she tried to convince me to give her my bank account information over the phone after negotiating a payment plan. When I said I am not going to give her my information over the phone she got real defensive and said " You know we will have the same information on a check, right '' like I was stupid. She then said that she was going to put down that I was no longer disputing but going to pay it and that is not what I said at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I have contacted XXXX, XXXX and Equifax repeatedly over the last two months regarding my Identity theft situation giving them the police report and the deletion letter from one of the Creditors XXXX  and the Credit Reporting Agencies are still reporting inaccurate and misleading information. It is now XX/XX/2022 and the accounts are still not deleted. The Fair Debt Collection Practices Act section 807 refers to false or misleading representation in which the Credit Reporting Agencies are in evident violation of. The following conduct is a violation of this section : 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. The Debtor is falsely accusing me of a debt in which I am a victim of in Identity theft and so therefore should be permanently removed form being inaccurately reported. XXXX provided additional statement stating the liability of the debt is not applicable and yet it is being reported on all three credit reporting agencies as means of determent. I am reporting the inaccuracy in reporting, investigation and requesting that within 5 calendar days of this final reporting of this violation that the XXXX, Equifax and XXXX immediately delete the XXXX and XXXX XXXX XXXX accounts immediately as I am in pursuit of seeking litigation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

currently XXXX is reporting a fraudulent account on my report. I'm beyond frustrated. I've had to file a complaint and hopefully they'll catch the theif. I understand the credit reporting agency are simply doing their jobs but by them not responding and deleting the fraudulent information it's unfair to me. I am asking them to block the unauthorized inquiries from my report as well as block the XXXX account from my file. I found out that my information was exposed in several data breaches around 2015 and ive not known until 3 months ago that I could correct this according to the Federal Trade Commission and CFPB XXXX XXXX XXXX XX/XX/2015 XXXX BANK-NEVER LATE INNACURATE LATE PAYMENT REPORTING/ I WAS TOLD MY ACCOUNT WAS CONFUSED WITH SOMEONE WITH A SIMIALAR NAME BEING MY NAME IS VERY POPULAR PLEASE SEE ATTACHMENT FOR THE 40 UNATHORIZED INQUIRIES THAT NEED TO BE BLOCKED IMMEDIATELY
Product: Credit card or prepaid card

I had a problem with my old credit card ( lost or stolen ) XXXX. Capital one Bank closed credit card XXXX and I received a new Capital One Walmart credit card XXXX in my po box XXXX. Since I suffer with XXXX because somebody have tried to defraud me twice, the police told me I should tried to lock all of my accounts. Once I received my Capital One Walmart new credit card XXXX, I activated the new credit card XXXX and went online and lock the new credit card XXXX. 
Today, XXXX, I got a notification from XXXX XXXX that my Capital one Walmart credit card was closed. My complaint is Capital one never sent me a notification through email XXXX or XXXX or XXXX XXXX XXXXXXXX telling me why the account was closed. The account closure affected my over all credit scores with XXXX, XXXX, XXXX causing me to be traumatize because I need my credit score to be at a particular level in order to stay in my apartment. I never received or saw in writing Capital One Walmart credit card policy on my account about an account should have activities on the account at all time. 
The resolution should be to correct my credit report because i do not owe money to Capital one Bank credit card or loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an XXXX XXXX account XX/XX/2021. This account is showing a balance as well as a late payment which is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have perfect credit Transunion is reporting a {$160.00} collection account that is just showing up under my name from XXXX XXXX... The collection agency is XXXX XXXX XXXX with a disconnected telephone # of XXXX XXXX XXXX I also mailed a letter for the " documentation '' ... no response I have never done business with XXXX XXXX and it says the account is over 5 years old! 
Transunion admitted they have not seen verification of the debt and told me to contact XXXX XXXX XXXX which i tried to do and there has been no response to mail and again their phone # on XXXX, Transunion document and website is disconnected I have never received a phone call or letter regarding this and i know this is in error i want it removed Says acct opened XX/XX/2019 {$160.00} placed for collection 4 years later
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have 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 15 U.S.C 1681 section 602 A states that 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 1681 c ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information, other than records of of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C 1681 what is 1681 s-2 ( A ) ( 1 ) a person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cost to believe that the info is in accurate.