23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have reached out to these companies regarding documentations and proof of contracts and Nothing has been submitted to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


1. XXXX XXXX XXXX-XXXX XXXX {$2000.00} ACCT # XXXX XXXX. 
( NOTHING HAS REMOVED OR RESOLVED ) 2.CAPITAL ACCTS-XXXX XXXX {$440.00} ACCT # XXXX XXXX ( NOTHING HAS REMOVED OR RESOLVED ) 3.XXXX XXXX XXXX-XXXX {$1000.00} ACCT # XXXX XX/XX/2018 ( NOTHING HAS REMOVED OR RESOLVED )
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$260.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$260.00} -This is not my account.
Product: Credit card or prepaid card

I am a victim of fraud on my Target Red Card and their fraud department continues to harass me about filing out an affidavit that asks way too many personal questions. They refuse to assist me without it and have hung up on me multiple times. I would like someone from corporate to call me back.
Product: Credit reporting or other personal consumer reports

The derogatory rating on my account has directly resulted in loan denials and increased interest rates across my credit accounts. This rating must be deleted and blocked from all XXXX  consumer reporting agencies immediately, as required by law.
Product: Debt collection

Regular robo calls from EOSCCA XXXX XXXX XXXX XXXX MA XXXX XXXX a debt collector with only a phone number. 
We have no debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a chapter XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on my XXXX and Experian reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name of the company is called XXXX XXXX XXXX however they show up on my XXXX and XXXX report as DUVERA BILLING SERVICES. THEY ARE REPORTING ON BOTH MY XXXX AND XXXX THAT MY ORIGINAL BALANCE FOR MY LOAN IS XXXX. They are currently reporting that I still owe XXXX and that my last payment was in XXXX. This is deceptive/ incorrect information as I pay them XXXX XXXX monthly and have paid in full as of XXXX, XXXX AND XXXX. $ XXXX. Which means I current owe {$94.00} and this needs to be reflected on both reports immediately. The payments are on autopay every two weeks. This company is very deceptive, unprofessional and shady, Ive asked to speak to supervisors on XX/XX/2022 and was told I can only speak to one supervisor per day. This company has also taken money from my account without my permission and then told me I had to wait 3-5 business days after theyve taken money from me. Please update my credit report correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has marked my payment for XXXX as past due XXXX days. I am under the XXXX program since XXXX of 2022 and my mortgage will be paid for 18 months. XXXX was already notified of this and the checks go out every month for payment. I have called and tried to get this escalated with no assistance from customer service. They can not track the payment down and have not helped what so ever. Now my credit report is being flagged for late payments and has gone down XXXX points!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late or any purpose.
Product: Credit card or prepaid card

On XX/XX/2020 I made an online purchase for {$17.00} from XXXX XXXX XXXX. The telephone number is XXXX. When I did not receive the item about a month later I called and the phone number is disconnected. I can not find the company. 

My complaint is against US Bank XXXX. I called to dispute the charge and originally they took it off while they investigated. This was in XXXX. Then on XX/XX/2020 they re-charged it and I got a letter saying I agreed to the charge. THAT IS FALSE - I NEVER AGREED TO IT BECAUSE I NEVER GOT THE MERCHANDISE AND THE COMPANY DOESN'T APPEAR TO EXIST. 

I also had another charge that was fraudulent and apparently they determined that this wasn't fraud because I ordered it. BUT I said I wanted to dispute it. 

I have called numerous times and I keep being told that is it being investigated and a supervisor will call me back - NO ONE CALLS ME. They also say they can not take it off my charge because they took it off once. This has been going on since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new regulations that came into effect on XX/XX/2021, debt collectors must send you a Notice of Debt within 5 days of their first contact with you. I haven't receive any notice from XXXX XXXX about this debt. XXXX XXXX isn't available in PA nor XXXX. I haven't received any notices to collect or validate this debt. I haven't received any notice of debt so this collection is invalid and needs to be deleted. XXXX XXXX is violating the FCRA by not providing me with any collection notices and reporting inaccurate information on my credit reports. If XXXX XXXX don't remove this debt, I am entitled under the FDCPA, EFTA, FCRA, or any state law, to collect money damages. For example, under the FDCPA, you may receive up to {$1000.00} in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys fees and costs. This debt is invalid, fraudulent and not collectable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife went to the same XXXX  that I was using and had XXXX XXXX XXXX. They never fit right and XXXX XXXX nurse and my wife had words and could not resolve this issue. My wife refused to pay and they just reported it to credit bureaus. It was on her credit report and she disputed it and it was removed. It was then put on my report as collections {$3400.00}. My XXXX   work was always paid by me or insurance. XXXX XXXX  office was Sold to XXXX XXXX who refused to correct the issue afterwards.. the debt was transferred to my Account under my SS #. Filed a fraud report to police and after investigation they said it is a civil matter between us. XXXX XXXX has passed away and they still refuse to help. They said there done it was turned into collection!
Product: Credit reporting or other personal consumer reports

In XXXX of this year I reached out to Transunion and told them that they had all of my personal information reported incorrectly and I noticed that there were accounts on the report that didnt belong to me. I told them that they needed to fix all of this and they told me to put it in writing so I did. THEY DID NOTHING! I wrote them and disputed again in XXXX and again THEY DID NOTHING. Not even a response! They are intentionally ignoring me and refusing to abide by consumer laws put in place to protect me. It is now XXXX and my credit report is still WRONG. I feel violated and humiliated when I look at my report and/or when anyone else does too. This is not right at all!
Product: Debt collection

The company in question here XXXX XXXX XXXX XXXX XXXX XXXX claiming to be representing Cavalry SPV I , LLC who was claiming to be representing XXXX XXXX  XXXX XXXX, has recently served opened documentation containing my personal information as well as false claims of judgments and debts against me with an order of wages garnishments to a place of business where I frequent which may or may not necessarily be my place of employment and even if it was, they have violated my rights. Both companies have been harassing me for many years without meeting my requests and this must stop. They are trying to collect a debt supposedly dated prior to 2012 which may or may not exist and may or may not belong to myself as they have never provided me with proof of veracity of such debt neither they have been able to proof evidence of such debt matching my identity despite several requests from myself and from my attorney asking them to provide us with the original documentation and/or acceptable evidence of their claims. They have gone as far as filing a judgment in 2012 against me which I was never served for nor they have any rights of doing so without substancial proof of their claims. Their latest actions have gone too far! They have recently served opened documents containing my personal information an the claims of the debt, to a place that may or may not be my place of employment trying to garnish my wages, causing me a lot of aggravation and also violating my rights. These 2 companies have broke many laws which are made to protect consumers and they must be stopped! By the amount of complaints filled against these companies, is pretty clear that their existence depend solely on predatory business against consumers and collections thru force and harassments.
Product: Mortgage

My name is -- -- -- - and I have a mortgage with Carrington with the loan number ********. I had the name -- -- -- -- -- which was changed to -- -- -- -- -which is my father 's last name. -- -- -- -- was my sibling 's father 's last name. During Covid my Fiance -- -- -- -- -- - who has lived with me for 5 years lost her employment. I utilized the assistance from Carrington Mortgage which provided a forbearance option in XXXX of XXXX. I was able to settle Debts and was in a position to begin paying the mortgage again in XXXX of XXXX. I was assigned a XXXX agent named XXXX XXXX who refused to communicate with me by phone. She sent me some strange questions asking if I was married to a woman named XXXX. I requested to speak with her on multiple occasions as her responses were at times erratic and did not fit the context of our email conversation. I sent in multiple packets to continue the mortgage process for modification after forbearance which failed XXXX due to me not being aware that my signature had to be signed " -- -- -- -- -- -- fka -- -- -- -- -- -- ''. The block read my name " fka '' my previous name which meant to me that my signature acknowledged that I had previously been known by another name. The document was supposed to have my current signature followed by fka and then my previous signature on that line which I have never heard of nor had my various notaries. XXXX XXXX did not instruct me that this was why my contracts were rejected nor did she instruct me of what the contract signature required. She just continued to repeat that my signature was incorrect. This fact was relayed to me within 2 emails by my new servicer XXXX XXXX who explained right away what the error on the application was regarding the signature block. I was able to speak to her by voice and sha has given me a clear understanding of my options. I have the email threads to XXXX XXXX and can forward them in order to understand the rationalization for my dispute. I have documented attempts to speak to her and clarify why my packets were being rejected and she refused to contact me or clearly elaborate on what was required.
Product: Credit reporting, credit repair services, 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 this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$11000.00}
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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Checking or savings account

I opened a CitiBank account on XX/XX/XXXX, and attempted to fund it multiple times through an inter-institution transfer. Each time I attempted to make the transfer, I was locked out of the account for fraud detection, and had to be put on hold for hours to unlock it. 

Due to this I decided to close the account. I made several phone calls on XX/XX/XXXX, XXXX, and most recently on XX/XX/XXXX I made 12 phone calls over the course of 5 hours to try to close my account, being transferred over and over and hung up on multiple times. 

The issue is that despite the savings account having zero balance and never being used, there is still the inter-institution transfer hold on my account which prevents closing it. And to remove this hold, I was told I *need* to go into a branch in person despite opening the account online. There are no CitiBank branches in XXXX, Washington. Despite this, I was told that this is the only way to close the account and was told that there in-fact was a branch here. Unfortunately the branch the support agent gave was in Washington XXXX. 

I'm unable to make a cross-country road-trip out of state, and I'm unable to resolve this with the support agents. Could I get help closing the account?
Product: Debt collection

Amcol Systems continues to report a medical debt in the amount of {$170.00} that was paid by my insurance provider on XX/XX/16. Amcol Systems purchased this " debt '' from XXXX XXXX XXXX. XXXX XXXX XXXX no longer has any information on this alleged debt. Further, Amcol Systems began collection only 150 days after the bill was paid by my insurance provider. This is a violation of the XXXX settlement agreement. Per the XXXX policy collection agencies are supposed to allow 180 days from the date of delinquency to pass before attempting to collect on a debt.The 180 days is to allow the insured and the insurance provider to ensure that the medical bill has been paid correctly and to sort out any issues of coding error, policy error, administrative errors, etc.The payments regarding this service were made in separate check increments. There were a few coding issues that resulted in re- billing on this claim. This claim was paid in full by XX/XX/16. Attempting to collect additional money on this claim is a violation of the FDCPA. Amcol keeps verifying that this is a valid debt with XXXX only in an attempt to collect on it. Please find attached a copy of the balance sheet provided to me by XXXX XXXX XXXX XXXX that proves that the services were paid and the date that the claims were paid electronically to the providers.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts 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 -- UNAUTHORIZED INQUIRY 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have had identity theft for XXXX yrs. I had a perfect credit score. I have after all these years finally gotten it all off. My score should be in high XXXX. It is in XXXX. With the theft in XXXX. I had police reports, took girl that did it to court, addresses where I lived during theft that did n't match. I do n't think it 's fair that they wo n't put my score where it should be. I pay every bill on time. Everything on my credit report is mine now except most of a student loan. That is under investigation.
Product: Mortgage

I have a major problem with my mortgage company Penny Mac. I have owned my home for XXXX years and never had a problem making the mortgage payment until last year when XXXX and a serious case of XXXX kept me out of work for a full month. I have a USDA loan backed by the government and Penny Mac is supposed to provide options for struggling homeowners to address their delinquent payments. Penny Mac has denied access to these options and despite multiple attempts to try and get a review or program considered I am turned down and told that the only option is full reinstatement which is currently about {$9000.00} which I do not have. A sale date has now been set for XX/XX/XXXX. After missing one payment I was able to make the following months payment and I opened a new bank account and added Penny Mac in as automatic debit for the mortgage payment each month. I had also changed my phone number and did not receive any calls or notifications from Penny Mac relating to the mortgage payment. Apparently these payments were NOT being deducted from my bank account and once I realized it ( after 3 months ) I began frantically contacting Penny Mac to try and work something out. I tried to make 5 payments at once {$5400.00} to get back on track in XXXX but was told that was not enough money and that I needed reinstate the full past due amount. So I tried to engage with the loss mitigation department and eventually they sent me the forms to fill out but then I became XXXX XXXX XXXXXXXX again and was out of work for two months. Once I was back on my feet I contacted Penny Mac to apply for homeowner assistance options but on multiple occasions I was told that option was no longer available and I must pay back the full past due amount. 

I have worked as a XXXX XXXX XXXX  on and off for the last 10 years. I had built up my own XXXX XXXX XXXX which was doing so well that I put XXXX on hold but then XXXX hit and I lost almost all of my customers within a year. I struggled but was able to get back into XXXX and keep up with the mortgage payment. My fiance now lives with me and he works in XXXX XXXX and makes a good living and between the two of us we have more than enough money to make the monthly mortgage payment. The problem is that since the issue began in XXXX XXXX XXXX Penny Mac has obstructed the process and denied access to government homeowner assistance programs that they are required to offer. This is an avoidable foreclosure, I have the ability to pay and have attempted to pay but have been unable to cut through the red tape at Penny Mac. 

We received foreclosure paperwork from Penny mac and their Attorney but we never received information about the state mediation program, which Penny mac is required to provide and offer. I dont understand why this is happening to me ; I have the ability to pay, I have 75 % of the past due amount in my bank account to try and resolve this matter but I just run into a brick wall with Penny Mac