23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt is inaccurate. I never received notification of this debt. Ihad XXXX with a deductible which was met for the year and afterwards insurance paid XXXX %. I never received bill for this debt, call or notice. I have requested many times for a detailed bill of services rendered and account bill with no response and no information received, ever. I have asked this debt from all credit reporting agencies to be removed due to failure to show accountability and it remains on my report. Thus i will not pay this debt and will continue to refuse and dispute this account because my account payment history as shows is XXXX % on debts i owe not ones i never received notification or acceptance on sevond and third party billers who falsely report negative medical bills on consumers who are more than adequately covered by insurance. My insurance company still doesnt knowwhat this charge is as well. 
I want this removedfrom my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to require creditor to provide the original terms of cards/loans, failed to require creditor to provide signature on contract ( please see the attachment ) all items in the dispute results box )
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.
Product: Debt collection

Account was created by Representative XXXX XXXX ( Clover, XXXX XXXX XXXX XXXX ) ( XXXX ) Multiple accounts were created on my behalf resulting in multiple charges. Since account opening, I have closed all accounts. 

Charges ( unaware ) were debited from my business Bank Account. All information will be provided upon request. 

I, XXXX XXXX, never received a " POS '' system and therefore was never activated. 

I inquired, numerous times, about account closures, disputes, and a full refund of what was debited to my account. Since then, I keep receiving communication regarding an overdue balance.
Product: Debt collection

To : Consumer Financial Protection Bureau My name is XXXX XXXX and I would like to file a complaint. I have been blind-sided by a company named XXXX XXXX XXXX. Unbenounced to me I have started being garnished for a bill that the XXXX XXXX XXXX XXXX paid for me aroundXX/XX/XXXX - XX/XX/XXXX. These bills that they are trying to collect on are 20 years old and most importantly, have already been paid by the XXXX XXXX XXXX XXXX. In addition, I am being garnished by a company I know nothing about. This Midland company came out of nowhere and started a case against me that I just learned about three weeks ago when the garnishment started. I have not received any communication ; no phone calls, no mail correspondents, etc. But my main complaint is I dont owe this bill that they are trying to collect on. 
I have done some of my own research and found that XXXX XXXX XXXX has several names and several lawsuits against them for illegal business practices against consumers. Is this company a fake, are they scan artists, or are they just getting away with stealing money from consumers. I WANT MY MONEY BACK THAT THIS COMPANY HAS STOLEN FROM ME! And how is it that they have lied to my employer and got pass them to garnish me on a fake claim. 


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

My account with CONSUMER PORTFOLIO SVC was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I've discovered fraudulent accounts in my name, which I did not authorize. I request these accounts be closed immediately to prevent further damage.
Product: Debt collection

Jefferson Capital System has been relentlessly harassing me via postal mail as well as calling excessively. on XX/XX/XXXX I sent them written notice to opt out of any and all authorization and they still persisted in communication even in obtaining my credit report putting inquiries on my consumer report. The account they are attempting to harrass me over has been paid in full and the original creditor failed to send me a copy of the 1099 c and never provided the certificate of indebtness. According to law, income can not be reported on a consumer report. What I found instead is that instead they sold my information to Jefferson Capital System Damaging my consumer report and tainting my borrower reputation. According to 15 USC 1681-6508 not only are they reporting incorrect information they are violating 16 CRF 313 and privacy act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XX/XX/XXXX on XXXX XXXX discovered account balance on Paid account listed over XXXX dollars. Tried to file dispute and was blocked from filing dispute on the account. 

I also tried with Transunion via XXXX XXXX of which I am a member and they have added information to my account access as to who is my grandfather and asking for his first name. I have never given this information and once again feel my private non public information is compromised via a third party source. I am XXXX years old and know who my grandparents were. They had or have nothing to do with my financial life. 

I subsequently contacted XX/XX/XXXX XXXX regarding this matter and they sent me a letter noting I owed nothing on this account RE : Case Number XXXX phone Number XXXX. Finally I am tired of having to disclose any personal private public or any familial information regarding my finances. I realize that you are not in a position to offer legal advice, however is this a matter I can take up with an attorney since these agencies are continued to abuse our good names with their refusal to correct.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised, violating FERPA. I request a full cancellation of my student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear credit Representative I have Account that is reporting settle less than full balance that find with me I was reaching out to see if I can get this account removed the fact that it's a settle account its non-issue I would highly appreciate if you can remove this account from my credit report thank you sincerely account # XXXX XXXX XXXX
Product: Prepaid card

I received an American Express Gift Card in the amount of {$200.00}. I attempted to use the card online at XXXX to make a purchase of {$84.00} and the card was declined. I contacted American Express and was told that the card was working fine but I needed to use it at a retailer that verified a name, address, security code and expiration date. I told them that XXXX required all of those things but it was still declined and asked where I could use the card. They simply repeated what they had already told me. In conducting research online, I found this to be a common problem and many others experienced difficulties using their cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number : XXXXDate Generated : XX/XX/XXXX, XXXXAccount # XXXX XXXX XXXXCredit Card Account>>In regards to the reporting of of unverified and inaccurate information reporting on my Consumer Credit Report furnished by Experian Information Solutions,  Inc>>Please BE advised that this is my second request regarding the the aforementioned account. The unverified account information remains on my consumer credit report furnished by your company in violation of Federal Law. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) requires you to follow reasonable procedures to assure the accuracy of the information in my credit reports ; 15 U.S.C. 1681i ( a ) and 1681s2 ( b ) require you to properly investigate and resolve disputed information ; and 15 U.S.C. 1681g require you to clearly and accurately disclose the nature and substance of all information in my credit files. Additionally, 15 U.S.C. 1681n, allow for punitive damages for the willful noncompliance with the FCRA.>> Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), provides that [ w ] henever 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.>> In the results of your first investigation submitted via your online Dispute Center ( references made to above-mentioned report number ), you stated the following>> The item you disputed has been updated, which may include an update to the disputed information.>> Who verified this account information as accurate? Who verified that the information reported '' is accurate? >> You have NOT provided me a copy of ANY original documentation required under FCRA 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ) ; and 611 ( 5 ) ( A ), where you are required to promptly DELETE all information which can not be verified.>> The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance, as the FCRA creates a private right of action against a consumer reporting agency for the negligent or willful violation of any duty imposed under the Act. See 15 U.S.C. 1681n, o.>> If you fail to comply with FCRA procedures for dealing with this disputed Public Record and instead, inaccurately certify the information reported on their accounts as correct, I will not hesitate in pursuing litigation in this matter. >> If your offices can not provide the proper verifiable documentation, I demand the aforementioned Public Record be deleted immediately.>> Experian has continued to report the following unverified and inaccurate information : 1 ) 30-day late payments ( XXXX and XX/XX/XXXX, XX/XX/XXXX ) >> 2 ) 60-day late payment ( XX/XX/XXXX ) >>
Product: Mortgage

Victorian Finance. I first started this process 11 months ago. I was passed around to XXXX different ppl the first girl XXXX XXXX was terminated bc of her negligence. 4 days before closing they start verifying my employment. My employer & I both submitted every document they asked & every document the FHA loan requires. I was notified the day before closing we couldnt close. I asked many times to tell me why i was not eligible. No response. This was a family home that will now be sold outside the family due to their negligence. 
XXXX XXXX, XXXX XXXX
Product: Credit card

Overcharged interest on my monthly target credit card bill. I made payment in full of {$510.00} XXXX days before it was due by XXXX XXXX XXXX  checking account bill pay and target charged interest of {$18.00} for XXXX  days of interest. Published rate on statement page XXXX of XXXX is XXXX XXXX APR but at XXXX in interest charged per day for the XXXX days it is closer to XXXX XXXX APR. I called taregt customer service and filed complaint with XXXX and requested breakdown of how the interest charges was calculated for XXXX  days it took target to process FULL payment. Payment of XXXX was due XX/XX/XXXX. I Submitted {$30.00} payment by phone XX/XX/XXXX and {$510.00} shows received on my next target bill on XX/XX/XXXX. I expressed my concern with how they calculated interest but XXXX said she couldnt do anything except submit a formal complaint. I asked when i can expect to hear back and she said there was no guarantee I would even get a response for my complaint. I just want them to take this seriously and make sure no one else at Target is being overcharged interest. The XXXX XXXX APR is high enough already. Just hope other consumers are not getting taken advantage of too. 
XXXX
Product: Debt collection

im getting repeated calls and letter about the same debt before XXXX every XXXX to XXXX days for the amount of {$1300.00} the account was bought from another company and reopened on my credit file
Product: Credit reporting or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO MY CREDIT REPORTS. I NEVER RECEIVED XXXX NOTIFICATIONS IN REGARD TO THE INVESTIGATION RESULTS. I FILED XXXX XXXX XXXX  DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXXXXXX Balance {$4000.00}
Product: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting 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. 

Account name : XXXX XXXXXXXX XXXX have Violated My Rights : Account Number : XXXX 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 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.

Attached below are the documents submitted showing the filing of the report. The Credit Bureau 's have not addressed the fraudulent account opened with XXXX on XX/XX/year>
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX ; Thom whom it may concern, Last month in XXXXXXXX XXXX XXXX  it came to my attention that my identity had been stolen and utilized by my neighbor to open up XXXX Fraudulent credit card accounts amid several Hard Inquiries. ( See attached Report ). Those Accounts are as follows : XXXX ) XXXX XXXX XXXX XXXXXXXX {$1800.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$730.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$500.00} Note : Please Delete these XXXX  accounts that are keeping me from purchasing a home!
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance Owed : {$13000.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX XXXX Owed : {$0.00} DPEDXXXX XXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  Balance Owed : {$15000.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDNXXXX XXXX  Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting

I paid XXXX last month to catch this account up to date and they are reporting paid up to date nor have they adjusted the months they say I was late and per document I sent you
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recieved a alert from XXXX XXXX stated a new line of cresit opening today XXXX ... .I did NOT open a line of credit with anyone. the name of the company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I have no phone number to get in touch with them please help. 

thx! 
XXXX XXXX
Product: Checking or savings account

I banked with Fifth Third Bank and they reported account abuse or submitting fraudulent checks/charges against the account but I tried to explain that my information was stolen and misused. Fifth Third Bank still closed my account and reported this to XXXX XXXX XXXX XXXX XXXX  ) and I now have issues opening accounts with other financial institutions.
Product: Credit card or prepaid card

On XXXX we were camping at a lake near our home when I received a phone call from a person who stated he was from Well Fargo credit card services. He stated that there was a suspicious activity on my credit card. He asked if I had made a {$1400.00} purchase that morning. I told him I had not. He stated that my account had been hacked and my card needed to be disabled. He said he would text me a 6 digit code to confirm my idenity., I told him I would need to hang my cell in order to retrieve the text. He said he would call back once I had the text. I hung up and looked at the text and wrote down the 6 digit. While I was waiting the call back, I redialed the phone number he had called on and got the Wells Fargo recorded menu. While I was scrolling through the menu to get customer service, I saw the person calling. So I answered the phone and gave him the 6 digit code number, He told me my card was now disabled and a new card would be issued and sent fedx over night to home. 
When we returned home the morning on XX/XX/XXXX I logged in to my Wells Fargo account and saw that there was a {$7100.00} charge on my account that I didn't make. I immediately called Wells Fargo and reported the fraudulent charge. I also filed a report with county police dept. Wells Fargo opened a Fraud claim. On XX/XX/XXXX Wells Fargo denied my claim and said that I authorized the card. On XX/XX/XXXX Called Wells Fargo and appealed their decision. They reopened the claim and I am now waited their decision. I did not make this charge and I told them so. I will continue to fight them on this, if they continue to deny my claim. 

.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with fraudulent inquiries please delete