23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX / XXXX / {$5200.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$390.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX 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

I had a dispute with a solar panel company. I asked the company to repair my solar panels. They came to my home and did not complete the job. I talked with them for months about completing the job to be paid. We were never able to reach an agreement about the billing and/or the work. They created an invoice and turned it over to a collection agency, XXXX XXXX XXXX. I told the collection agency that I absolutely do not owe this amount. The agency reported this to Experian. I disputed this several times with Experian and asked for the back up documentation to support this on my credit report. They said that they don't have any documentation, only the " word '' of the collection agency saying I owe this. I disputed it 3 times and added a statement on my credit report. They should have to prove that i owe this before placing it on my credit report.
Product: Credit reporting

There is a collection account appearing on my Equifax credit report that the reporting agency has acknowledged to me is fraudulent and should not be associated with me. 

An earlier problem that I encountered in my attempt to resolve this issue was previously submitted to CFPB under Case Number XXXX. At that time, I was having problems getting Equifax to provide " a description of the procedure used to determine the accuracy and completeness of the information. '' As a result of that previous case number, I did receive that information. 

I then contacted XXXX XXXX XXXX, the company that was reporting this collection account to Equifax , to find out why they had this erroneous information on file. A summary of the interactions I had with XXXX can be found in the attached XXXX file. Note that it was established in my first call to XXXX that this was a fraudulent charge and that I then spent the next few days fruitlessly trying to complete their process to finish resolving this issue. When it became clear that phone calls were not going to resolve anything with them, I sent the referenced letter. I did receive one callback ( finally ) from XXXX on XXXX XXXX ; I was not home at the time, but returned the call at XXXX ( ET ) that day, once again leaving a message with all of my contact numbers and imploring them to please call be back. As of today, XXXX XXXX, I have not had any further contact from them. 

Meanwhile, I sent a letter to Equifax on the same day as I sent the letter to XXXX ; see the attached Equifax Statement.docx. This was to inform them that the collection account reported by XXXX was fraudulent and that I wanted them to add the statement contained within the letter to my credit file. In response to this, Equifax opened another dispute ( Confirmation Number XXXX ) and put a fraud alert on my account with them. The result of this reinvestigation was delivered today - see the Equifax Dispute XXXX XXXX XXXX XXXX screen shot of the first page of their report. Once again, Equifax is not acknowledging that this account is not mine and should not be listed on my credit report. In addition, the statement that I asked to be placed on my credit file is not there - the full reinvestigation results document included a version of my credit file as of XXXX XXXX, and the requested statement is nowhere to be found on it. [ Note : I did not submit the full document because it includes sensitive information like my SSN and, as a PDF file, is difficult to extract into another editable format that would allow deletion or redacting of the sensitive information. ] At this point, I feel like I have done everything I can to make this right with both XXXX and Equifax , but somehow it 's just not getting through, and would appreciate any assistance that CFPB could provide to get this resolved.
Product: Checking or savings account

Someone from " Chase Bank '' texted me asking if I approved transactions ( {$1300.00} and {$9900.00} ) and I texted back NO. The number that texted me was ( XXXX ) XXXX. Then I received a call from ( XXXX ) XXXX to dispute the claim. The individual on the phone asked if I had made these transactions and I said no. They then sent me a link asking me to log into my Chase account ( which I did ) and then asking for information such as my address, pin, birthday etc. I logged into my account and then when I got to the next page asked how was I sure this is really chase. They said I could be sure because the website said chase. I then asked if I would get my money back because I don't have $ XXXX. They immediately hung up before I could add in my information to the site. I went to my chase account and changed my username and password as soon as possible. I also called Chase and requested a new card.
Product: Bank account or service

Today I read about the Well Fargo settlement and it made a light bulb go off. I wanted to tell you that I was a victim ( i say that lightly ) of the scam the employees were pulling. I had opened a checking acct. with wells fargo, that was it, just a checking acct. But then a week or two later I recieve a Well Fargo Credit Card in the mail, not debit, but credit card with a {$22000.00} limit. I had no idea as to why it came. I didnt speak to anyone, or fill out anything for a credit card. But sure enough, I got one. Now I understand why.
Product: Credit reporting or other personal consumer reports

I have been recently informed that there is negative information reported by the bureaus. 

Transunion : XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX. Account Name : XXXX OF XXXX Account Number : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX : XXXX. Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file disputes with TransUnion about a XXXX listed in my report. TransUnion keeps verifying as accurate and verified with third party vendor XXXX XXXX, however I have a copy of my XXXX XXXX consumer report showing no XXXX present. I have sent TransUnion the evidence and they fail to remove and keep verifying as accurate. They also have never notated my dispute for the XXXX in my report as being investigated during the 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
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 Account name XXXX XXXX XXXX XXXX I XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  I XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account number XXXX Account number XXXX Account number 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 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: Checking or savings account

I had fraudulent charges on my account that I did not get any notice about. I was notified prior about an attempt of XXXX that I did make but nothing about the fraudulent charges I did not make! I contacted the bank who said they would file a claim and I would receive credit. It's now been open 3 weeks tomorrow and I have not received any credit or any update on anything. I called last week and try said they would submit a ticket for the credit and an update, I received neither! Today I called and they said there was no update and that there was no case number ever opened, which I never received communication about. I have things I need to pay for, my mortgage check was returned, and I am out of money that I worked hard for. No one has contacted me and I have not received any update about anything. They allowed my account to be used and taken advantage of and no help from them!!! Now they want me to do another claim and for my waiting period to start! This is ridiculous.
Product: Debt collection

AFNI is erroneously reporting a collection from XXXX whom I never had business with .... I contacted AFNI on multiple occasions for 5 months now who keeps telling me they can not find this account in their system, NOT by my social, NOT by my address, NOT by account #, and NOT by address. Advised me to contact XXXX again and again XXXX   came back stating this account was validated byt AFNI and it is still on my report .... why is it ok for AFNI to damage my credit and how they can validate this to the bureau but can not provide me the consumer with details of the account ....
Product: Mortgage

I submitted a loss mitigation package to Gregory Funding at the email the company provided ( XXXX ) on XX/XX/XXXX, almost 2 months before the scheduled sale date. I also provided a copy to my attorney, XXXX XXXX XXXX. 

My attorney 's office sent email requests on XX/XX/XXXX and XX/XX/XXXX to the attorneys for Gregory Funding, XXXX XXXX and XXXX XXXX, asking them to indicate whether their client had received the loss mitigation package. These attorneys never responded. 

However, on XX/XX/XXXX a letter was sent to my attorney 's office from Gregory Funding entitled " Notice of Incomplete Loss Mitigation Application '' and that documents with an " x '' must be received within 15 days. However, the attached page did not show that any " x 's '' were checked. Based on this letter, nothing is required and my application should be complete. 

I am concerned that Gregory Funding is not acting in good faith. They should be responding to my attorney 's emails. I should be notified by now that my package is complete. My sale is set for XX/XX/XXXX. I simply want to be evaluated and approved for a modification as soon as possible. Time is running out. 

I am attaching an affidavit from my attorney 's legal assistant.
Product: Checking or savings account

On XXXX the XXXX, I recieved a loan from the SBA, they sent me XXXX on XX/XX/XXXX at XXXX XXXX.XXXX., the money was available all day until about XXXX. I then received a phone call from citibank, stating I needed to approve some transactions, and answer some security questions, when I called, it went from that, too my account is being frozen from me putting buisness funds, with personal money, being told this was okay for me too do by the loan officer at the SBA, I did so, well they froze my account on XX/XX/XXXX, and have yet to either release my funds and let me use them, or have yet to send them back to the sender/sba. I need help with getting my money sent back, or released too me, because, when I call citibank, they lie too me, hang up on me, and have been told different things by many different people at citibank fraud dept and customer service, ive tried calling at least 70 to 100 diff times, and faxed over note after note, at least 100 faxes, still nothing, here I sit with out my money, its ruining my life, that money was meant to help me out, and now im struggling more than ever at the expense of citibank. They have the worst customer service dept I've ever experienced, plz help me get my money back ty p.s. I have sent in my loan docs, my tax info for XXXX XXXX, and I have sent in my DBA and my EIN for my buisness proving who I am and who my buisness is, I sent this info in on XX/XX/XXXX and nothing has changed still lied to by customer service and told nothing basically. PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

On my most recent credit report from Experian, I noticed that the XXXX, XXXX, and XXXX accounts from XXXX  were reported by both XXXX  and XXXX XXXX XXXX. This looks like 6 delinquent on my report. The accounts were fraudulently opened anyway, but its even worse that its been reported double.
Product: Debt collection

I have an unverified account from HWARFIELD. I had previously disputed this account. I have never done business with HWARFIELD. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that HWARFIELD Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that HWARFIELD Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX PARAMOUNT RECOVERY SYS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PARAMOUNT RECOVERY SYS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT XXXX AND XXXX XXXX ACCOUNT XXXX are improperly reporting on equifax XXXX and XXXX credit bureaus.XXXX ... ..WAS INSURED BY XXXX and was covered at time of service.XXXX ... ... was covered by XXXX XXXX ' XXXX XXXX XXXX ( my mother ) at time of service.I have enclosed the XXXX policy card and the verifications by XXXX and XXXX.these debts should not be on any credit file as they are insured and the result of error.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my report by a merchant and/or bank I did not approve. Its name is XXXX XXXX. I did not do business with them, engage them or give them permission to make an inquiry. TransUnion will not remove the error. They said I must report it to you and then send your report to them. 

Can you please remove the XXXX XXXX inquiry? 
Note my address on file is XXXX XXXX XXXX XXXX, XXXX in XXXX, IL XXXX, but I'm in TN XXXX XXXX, 2022. 

Thanks! 
XXXX
Product: Debt collection

XX/XX/2024 Sent XXXX XXXX XXXX letter disputing validity of the account and that i was not liable for this debt. 

Between XX/XX/2024 - XX/XX/2024 XXXX XXXX XXXX Removed collection from my credit report Between XX/XX/2024 - XX/XX/2024 XXXX XXXX XXXX re-added the collection on my credit report under a different name, Columbia Debt Recovery LLC. 

I addressed XXXX XXXX XXXX Columbia Debt Recovery LLC XXXX XXXX and All business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 and XX/XX/2024 I sent letters stating " As you can see, your company has clearly failed to send the legally required validation of this debt. So I would suggest you go ahead and remove this account from my credit file right away. Please send notice immediately once youve updated your records and have removed me from your files. '' No response and this is still on my credit report
Product: Credit card or prepaid card

On XX/XX/2022, I used my Barclays Mastercard to pay the XXXX XXXX  {$4000.00}. On XX/XX/2022, we authorized XXXX XXXX  and XXXX to pay Barclays Bank Delaware {$4000.00}, not knowing that our account had been traded to XXXX XXXX Bank. I contacted both banks in XXXX  when I got a statement from XXXX showing a balance due. Barclays told me any money rec 'd would be transferred to XXXX. In XXXX, I contacted XXXX after getting another statement. They told me that my problem is with Barclays. I contacted Barclays and was told to fax or mail copies of proof of payment wire transmissions. I did both. In XXXX I emailed the same documents to Barclays after receiving another statement. After receiving my XXXX statement I contacted XXXX. They told me I should pay, " for my own good '', rather than " fight the good fight ''. Also in XXXX I was finally able to open a dispute case with Barclays. This had to be done by a supervisor since I technically no longer had an account with them. Later in XXXX, I contacted XXXX and gave them the Barclays dispute number. I also sent both banks a trace number for the wire transfer that I got from my local bank. I was told that this number carried more weight than the proof of payment I sent them in XXXX. It is my understanding that Barclays has my money. I have asked them to either pay me or pay XXXX. I got another statement from XXXX, which is now charging me interest. I filed a complaint against Barclays with the XXXX XXXX XXXX  which got me a phone call from " The Office of the President '' of Barclays. I re-sent them all of my documents but after their review they stated that they can't help me since the account had been traded and that I needed to contact XXXX. I asked for proof that they paid XXXX  on my behalf, since I proved that I paid them but they can't help me since the account has been traded.
Product: Debt collection

I started a college course at my community college in XXXX XXXX I was promised by the college that the course was covered for me through their career pathway program through the school itself. After I graduated and got my licensing, I started receiving calls from the school and articles of mail stating that I owed debt to them for it. I try to communicate with the school and get it solved before it got sent off to a collection agency after they threatened to send it off to a collection agency. Never heard back from the school now Im receiving pieces of mail from collection. XXXX saying their intent is to file a lawsuit against me for it when I was completely unaware that it got sent to a collection agency. I also was told that I owed a different amount from the school than what the collection agency is trying to charge me for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to remove a XXXX XXXX account from my credit report as it has been move than 7 years since the last payment. Through months of trying only XXXX has removed the account. Until date I have had no success with Transunion or XXXX to remove this account. I have even sent mailed letter well over 60 days ago and have never received any response back. Any help to remove this account from my credit report will be greatly appreciated. Thank you