23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It appears that the original claim was submitted to XXXX on XX/XX/XXXX instead of the VA which is my primary insurance. I expect the balance due is the remainder after the XXXX payment. XXXX sold the account to Aargon Collections and they placed a collection on my XXXX and XXXX   credit reports on XX/XX/XXXX without my knowledge. XXXX XXXX notified me of the two collection items for XXXX and Aargon as two collection items for the same amount ( {$1300.00} ) and same account number. These were the only two derogatory items on my report. When I contacted both XXXX and Aargon and asked that they remove the collection item from my credit reports and submit the balance to the VA for processing, I was told they could not because it was my responsibility. I disputed the collection reports and provided my XXXX statement which indicated a XXXX balance. The response from XXXX  and XXXX  was that the account had been " verified '' by the creditor and would not be removed. I asked how it was verified and and was told that the creditor had " verified '' it was reported as a collection item and the amount was correct. According to VA Court Order Wolfe v. Wilkie, 32 Vet. it is their responsibility to pay balances from other insurance ( in my case XXXX ) according to the recent court ruling referenced in the attached letter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and XXXX the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Product: Credit reporting, credit repair services, or other personal consumer reports

For whatever reason, this account has been nothing but a nightmare. My account was somehow " delinquent '' and showing as so on my credit report but in fact was due to XXXX XXXX system and error. I brought this to their attention multiple times, they agreed and accepted this fault and removed the info. I just got a notification that I have a new delinquent account because they for whatever reason put these old " negative '' remarks on my credit report which caused a major issue with my score.
Product: Debt collection

They are calling my job.They even told the receptionist I owe them.I have told them numerous times to stop calling me at work.The lady just laugh and continue to call.I am not to take personal calls at work.Inneed to have them stop before they put my job at risk
Product: Mortgage

I started with XXXX XXXX. I filled bankruptcy in 2019. During the bankruptcy process my house was sold to Carrington. Since then I was behind from the previous during my bankruptcy with XXXX. Now Carrington owns it. I had to pay XXXX basically to keep my house. I paid that and was caught up on the mortgage. Since then Ive fell behind on my mortgage again by two months now with the exception of they wont allow me to make this month of XXXX. Carrington will not let me pay my monthly note with a little extra at a time to catch up. They want it all at once. Being that Im a single household income and playing catch up at the beginning of the year has set me back again. I only owe XXXX on my house. The house market value is XXXX. I think they are trying to make me lose it so they can cash in on the Equity. They tell me since its a federal loan I cant make partial payments to catch it up. When I was with XXXX I was able to do that during hard times. Now since they own it I cant do that. Which seems odd to me? I need someone who knows about the matter or could give advices to call me. My name is XXXX XXXX. My phone number is XXXX. Looking for a solution to a big problem. I believe they are trying to steal my house for the equity. Doesnt make since you wouldnt let me make a payment with a little extra to catch up. Not allowing me to pay just puts it further behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 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: Debt collection

CRS ASSOC, repeated calls daily about " failed Bankingtransaction '', threats of legal action daily, nothing is owed to anybody
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took longer than 30 days and the credit report has not been changed. I have not seen records that purport what the company is saying. Please provide a recorded call log of my phone conversation when the chat of miscommunication took place regarding payments. 

Please also provide a written log of wording of what was said. 

Also provide call log of all the times I called and received unanswered responses and failure of call backs by the company to deny you're service was unattentive. 

Also provide a report on Mr. Cooper treats customers of all races in regards credit mishap forgiveness and credit embellishments. There may be a level of systemic bias in this matter that we are not seeing as to why  this company refuses to remove a credit mark when so many other companies can and will do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Experian a letter requesting verification documents for XXXX XXXX Acct # XXXX due to dispute results I received on XX/XX/XXXX claiming that this account was verified ( Report # XXXX ) and their agency is currently reporting. According to FCRA 611 ( a ) ( 7 ) the credit reporting agencies have 15 days to supply verification documents upon request. As of today, XX/XX/XXXX, I have yet to receive the requested verification documents for the said account. Due to Experian 's lack of response within the allotted time provided, I demand this account is deleted from my credit report.
Product: Debt collection

PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. 
{$370.00} I have never owned a credit card. This is not mine, I have tried to remove with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681 602 A which states that I have a right to privacy. 

Also, they have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). 

Also violating 18 USC 894. Using my XXXX without express written consent in violation of O.C.GA. S 16-9-93.1 Names Reported : XXXX XXXX  and XXXX  XXXX XXXX XXXX XXXX have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2.

Additionally, it clearly states under 15 USC 1681 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act. 15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following lems 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. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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

XXXX XXXX. Amount : {$35000.00}. XX/XX/2022. I reached out to the company to have them correct the issue but it was to no avail. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 an account without my written instructions.

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C 1681 ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1666 ( b ) states billing error.
Product: Debt or credit management

I noticed on my credit report that I have charges from companies that I do not recognize. I failed report with FTC and I am uploading this file with the questionable charges. 

I never received any services for the things that people are charging me for. 

Another problem is that I went in an emergency room for XXXX-related complications and they didn't even in charge my insurance as a 100 % veteran or anything they just sent me a bill and then sent me to collections. 

Want to try to dispute with XXXX I was not allowed to upload my documents proving that I had the right documents.
Product: Credit card

I settle both debts & was told both accounts would be deleted off credit. Fast forward now I am being told its against company policy to delete the accounts.
Product: Credit reporting or other personal consumer reports

My identity was stolen and my social security number and name were used to open a credit card with XXXX XXXX XXXX bank. The address used on the account is an address I have never lived at. I contacted the bank to try and resolve this and they were unhelpful and claim that I did open the account. I have done everything I know to do to try to get this resolved. I did not open a credit card with this company. This has ruined my credit and they have done nothing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account 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

I have numerous errors showing on my credit report. After reviewing it I sent Transunion a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that Transunion has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.
Product: Money transfer, virtual currency, or money service

I hold a BANK OF AMERICA EDD debit card and they are the trustee. 
XXXX XXXX California. Location of Bank of America Needed to cash a XXXX check written from a BANK OF AMERICA customer. They charged me XXXX XXXX to cash check stating that my edd account was not a BANK OF AMERICA. I showed them my BANK OF AMERICA CARD. They still charged the fee and cashier refused to provide a receipt showing the amount paid for the check cashing. She prompted me to go to the bank manager and she refused to provide a receipt stating that it wasnt required. 
I stated as a bank customer I was required to file proper tax returns. They stated that they were not required to provide any receipt to a non-bank customer. They openly admitted to Bank of America is discriminating against XXXX customers who hold XXXX  debit card and considers them to be non customers because of their account status. Tried to extort me into opening another bank account over to receive better service. XXXX  prohibits this type of discrimination.
Product: Credit reporting

There are XXXX accounts listed on both XXXX and Transunion with the wrong information. Both of these accounts have been sold to collections agencies. The first account is XXXX XXXX XXXX that has been sold to XXXX XXXX XXXX. I have called three times, each time on hold for over 30 minutes and no one answers the phone. The number for this collection agency is XXXX. The information on my credit report is incorrect. This account is from 2013 and the balance was not {$680.00}. The credit card only had a maximum of {$200.00}. The second account is for XXXX XXXX. This account was also from 2013 and was less than {$300.00} now it is owned by a collection agency who isnt even listed on my credit report. When i called XXXX XXXX about it, they said it is no longer in their office and has been sold.
Product: Credit reporting or other personal consumer reports

Unathorized hard pull of my credit breport. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax
Product: Student loan

XX/XX//2019 - I sent a letter to the Dept of Ed/Navient requesting the original instrument of indebtedness in its entirety to validate the debt obligations that are reporting 8 times on my credit. 4 accounts show current and 4 show closed. I received back the first page of a master promissory note. The other 7 pages are missing. There are no account numbers to verify the account numbers reporting on my credit. The single page master promissory note does not show the amount of the debt requested. I also received a computer printed balance statement of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- while professing one may  update or add to their dispute process to is not true by their allowing. They continually disallow any and all forms of commentary deferring to the lender or limited selective criteria they have established. This creates a false narrative and false investigation. Also the time to resolve disputes is outrageous placing people in financial bondage while lender are allowed to merely claim they are still investigating and their responses CAN NEVER reflect accuracy because consumer comments are never recognized andvl that remains acceptable!
Product: Credit reporting or other personal consumer reports

Westlake Financial Service on XX/XX/2023 reported The amount {$13000.00} on my credit report violating the FCRA law 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Product: Mortgage

We were wrongfully Evicted on   XXXX   XXXX   XXXX    .  Kondaur refuse d to wait until our hearing scheduled  X/XX/17   .  Quash Writ of Possession.  This was unlawful and intentional sabotage.
Product: Credit card or prepaid card

credit card refused to investigate disputed charges related to Covid-19 travelling to XXXX XXXX.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment reported for XXXX of 2019 and XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements didnt reach me.
Product: Credit reporting or other personal consumer reports

Pioneer Military Credit transferred/sold my original debt to XXXX XXXX , a collection agency, in XXXX of XXXX. Even though Pioneer services sold this debt to XXXX XXXX, they continued to report the account on my credit report to all three credit bureaus, so this account was being reported twice, by both Pioneer and XXXX XXXX, from XXXX until XXXX when it was settled with XXXX XXXX. After Pioneer sold my debt to XXXX XXXX, by law, they should have stopped reporting it on my credit reports because they no longer owned that debt. They were and still are reporting the account. This is directly affecting my reports in a negative way. I will include the documents showing I have paid the debt with XXXX XXXX, the owners of the debt. I demand Pioneer cease all reporting of this debt, I also demand they delete this debt immediately, because reporting on a debt they legally have not owned for three years, is against the fair credit reporting act which governs accurate reporting. I have disputed this multiple times with all three credit bureaus with no resolve or help. Additionally, my name on this account at the time it was opening was XXXX XXXX XXXX. I have since XXXX
Product: Debt collection

As of XXXX a garnishment was placed for a company that is under a Class Action Lawsuit by CFPB and New York Attorney General vs Credit Acceptance Corp. This company is being sued for predatory lending which targets low-income families and provide them with non-working vehicles and interest rates that are completely unaffordable
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX  XXXX XXXX XXXX  {$160.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX  {$120.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX UNKNOWN ADDRESS {$0.00} I AM A VICTIM OF IDENTITY FRAUD/THEFT THEREFORE, I DEMAND THAT THESE ACCOUNT ( S ) BE CLOSED, BLOCKED, AND REMOVED FROM MY ENTIRE CREDIT BUREAU PROFILE IMMEDIATELY. ANY HESITATION IN REMOVING THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE WILL RESULT IN LEGAL ACTION TAKEN AGAINST YOUR COMPANY
Product: Credit reporting or other personal consumer reports

Recently I checked my consumer report and noticed items to be inaccurate on my report.

15 U.S. Code 1681e - Compliance procedure ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Taken directly from out of the IRS 2021 publication. 

The IRS clearly defined a charge off as gross or ordinary income.

INCOME DOES NOT GET REPORTED ON THE COMSUMER REPORT.

Which in fact makes your reporting of this account inaccurate.

By, definition the IRS Cleary says a cancelled or charge off is income. Reporting this account as a debt is inaccurate. 
Which in fact your reporting of this account inaccurate! 
The IRS clearly says a cancelled debt or charge off is income. 
The reporting of this account as a debt is inaccurate. 
The above paragraph was taken directly from out of the IRS 2021 publication. 
Delete this inaccuracy from my consumer report immediately.