23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I suffered identity Theft in XXXX, that expanded into XXXX. I have contacted XXXX directly, tried to get help tracking down the criminal. They stopped returning calls about the theft, and new calls started for the owed payment from early XXXX. No payment has been made to the account, since the fraud happened XXXX XXXXXXXX XXXX XXXX sold the debt of {$2700.00} to Cavalry Portfolio debt collector. This debt collector has called and harrased my neighbors, extended family like people, that are not blood related, and myself. They threatened my neighbors with a lawsuit in XXXX. And filed against me, XXXX of XXXX. Well beyond the 4 year FDCPA law limit, while also violating other FDCPA laws. XXXX was originally notified of this fraud in XXXX. They were made aware, of the police report, and the FTC report. And Cavalry still chose to purchase and attempt to recover this fraudulent debt. 

The fraudulent activity took place XXXX XXXX XXXX, XXXX. No payments have been made to the company after this date, and no agreements, of any type have been made. 

I personally feel Cavalry in blindly filing lawsuits in hopes that folks simply to do not respond in time, iossuing a default judgement, even in cases where it violated the FDCPA Laws, leaving {$1000.00} in damages This identity theft and fraud has been haunting me since XXXX. This has directly impacted my life in every way. I have told cavalry over the phone, this is fraud, and it was reported to XXXX XXXX 

XXXX XXXX attempted to make Payments on their own. Resulting in the " payment posting, and then un posting '' These are NOT real payments. These are system automation, and generated by XXXXXXXX XXXX from accounts there were shutdown. You can see at one pointXXXX XXXX XXXX tried to debit {$1800.00}, posted the payment. Then the next day, undid the payment, because it was not actually cleared, or a real payment. 

The last payment, i have made to XXXX on this debt, was early XXXX. 
During this time, i had all XXXX credit burea put hard holds on my credit files, while i worked with trying to clear up my identityy theft. 
I was also part of the XXXX data breach which exacerbates the situation. 

After telling XXXX that i am represented by an attorney on this case, XXXX has continued to call my wife, my daughters, my neighbors, my old neighbors, and including Myself.
Product: Credit card or prepaid card

I made an application to Citi Card to transfer a balance from another card. During the process, they made the transfer then immediately closed the account as a " fraudulent application '' and suspended all activity. I tried calling them but they wouldn't budge. I paid back the balance transfer and the fees immediately, and assumed they would close the account as fraud. Instead, they are showing it as " account closed by consumer '' I did not take action to close the account. This was a decision by Citi. Citi was made whole and all money involved has been returned to them. I cut up the card upon being told that my account was fraudulent. 

Citcard needs to show the correct reason the account was closed with the credit report agencies. That is, closed by issuer on account of fraud. This is their words and their interpretation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX I am concerned about the inaccuracies and compliance deficiencies in the credit report I received. The FCRA section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting. I would like you to investigate this issue and provide me all available details on how it came about. With the potential for data integrity issues if these standards aren't followed, it is a serious matter that needs to be addressed. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2021 Inquiries XXXX XXXX XXXX XX/XX/2021 Experian I just received my credit report and was shocked to find this inquiry on it. As you know, this is not something that should have been reported! The Fair Credit Reporting Act states no one may access your information without permission from YOU first so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of business venture through their company as well as any other relevant details. Im sure you will realize these inquiries shouldnt be on my credit after all!

Yours Truly, I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Debt collection

DEAR XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ; I'M NOT LIABLE. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX is reporting inaccurately and publishing my NON PUBLIC INFORMATION to non affiliated third parties. please see attached
Product: Credit card

I manage and pay my credit card online via the Amazon.com/storecard/Synchrony Bank website and XX/XX/XXXX I tried to login to make a payment and forgot/entered in the wrong password too many times and was locked out of my account. Instead of a simple process of resetting my password like other banks, I have gone through XXXX with their fraud dept because they will not verify me. I have given the all my info over the phone and via mail numerous times, the ask questions that have nothing to do with me and say I answered incorrectly, they claim to have mailed ( now claim email while other reps say it is not allowed ) a letter with a code but I never received. The Post Office told me to tell them to track/trace the letters they mailed they say they can/will not and they refuse to give any other option ( I mailed my docs they claim never received despite my USPS Proof of Mailing and their security questions have nothing to do with me, I can not answer Yes to a question I know is No ). I can no longer access my account online to make payments and must talk to someone on the phone to make payments. They try to charge fees that they should not and do not log my payments correctly then claim they credited the fees but then do not and add more. I can no longer confirm anything I am told by a rep on my account and the reps say on thing and do another, I have been charged fees and credits/payments have not been applied properly. I can not Trust that my payments or that my account is accurate and have had to call and be transferred numerous times and stay on the phone for no less than 4+ hours at a time per day to try and get info or some resolution but none so far. They continue to say they this is the last time and they are going to remail the letter and I will receive in days but I never receive the letter. They have no other options and I have no way of confirming if the activity on my account is correct. Every rep contradicts the other and says something different and then they will say oh well what they told you is wrong or I heard incorrectly which are lies. I am not trying to make purchases I am trying to make payment in a secure and timely manner which is no longer possible. I can trust that my payments ( no confirmation # 's are given, I can take down names of reps and location but is useless later ) are logged properly and that additional charges are not wrongfully charged. I document all my calls and communications but they refuse to correct the problem of just resetting my password to my account, but they try to not log my credits/payments properly and charge fees while only given very limited access to what is going on with my account claim it is for my protection. I need protection from this bank bad if not illegal business practices. Do I not have the right to have access to my account ( details/specific transactions, balance, credits/debits ) and not solely depend on what I am told be a rep who says whatever but I can not confirm if it is true and then discover the lied or did not notate my account or process the transaction as they said they would.
Product: Credit card

I have never open any credit cards by CHASE BANK USA , NA. I am showing XXXX accounts total. They are showing {$36000.00} ; {$8100.00} ; {$23000.00}
Product: Credit reporting or other personal consumer reports

Im looking at my credit report and i notice something with the report that does not appear to be correct. I would like for you to investigate this account for complete accuracy. I believe that this is damaging to my credit and csausing me to be denied for credit. here is the account that i would to have investigated for accuracy, Account- XXXX XXXX XXXX  Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XX/XX/2023 XXXX Auto isn't my account and I have written and called on them to remove it from my report because this account isn't my account. Transunion didn't provide the proof that I ask for I would like for it to come off my report thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX never gave XXXX, XXXX, or Transunion any written consent to report anything on my consumer. Furthermore, I sent a dispute letter to the agencies over 9 months ago and they have failed to verify the accounts. My information was involved in the XXXX data breach and my information may have been compromised. No collection agency has verified any of the accounts these agencies are reporting. I will attach my data breach id and the dispute letter sent on XX/XX/2023 which is dated, and time stamped. I am requesting that the following unverified accounts are removed from my credit report within 10 days : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

I just received a letter, from a second party debt collector ( all this company is a personal outside agency, hired to try to collect, a debt from a Creditor, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Massachusetts, toll free # XXXX.for Balance {$260.00}, dollar amount which I known for a fact that this is a scamming cocollection agency. when I asked him again can you describe what the service was that I should have received he just hung up the phone abruptly, is a lie, because I am a XXXX year veteran that only get medical treatment from the veterans hospital, and so then I got mad with the man because he insisted to remain ignorant while telling me I owe {$260.00}, & because I told him, this is bogus debt., Like I said earlier, that name of the company, '' is the Still man law office, llc,  then again I try to tell him this ... he quickly said that they was n't a real law firm, he hung up on me. my cell number is XXXX * home # is XXXX. please let me know the fastest way to repot this agency, I all ready know about requesting in writing within 30 days explaining the debt. it worked with other callers like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that does not belong to me. Please remove them immediately.
Product: Student loan

XXXX-Navient are reporting ( XXXX ) XXXX-Navient student loans delinquent in error to my XXXX credit profile. I have attached letters dated XXXX XXXX, XXXX and XXXX XXXX, XXXX from NAVIENT regarding the name change and the Federal and Department of Education ( XXXX XXXX ) loans that are currently being reported on my XXXX credit profile for XXXX and XXXX XXXX and XXXX XXXX all are XXXX XXXX student loans before the name change. Please update the reporting of my XXXX XXXX loans on my XXXX credit report to reflect current as they have never been late.
Product: Credit reporting or other personal consumer reports

You entered false information on my credit report. You are reporting me as 180 days late for XX/XX/2023 and XX/XX/2023 for my auto loan with XXXX but I was not late on my monthly payments to XXXX during these months. I had already paid XXXX the remaining balance for this vehicle during my XXXX XXXX Bankruptcy. I did not receive a discharge before my XXXX XXXX was dismissed, but this account was paid off as the attached official bankruptcy documents confirm. I did not owe the monthly auto payments in XX/XX/2023 or XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, these accounts violated my rights as a tax payer.

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

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions.

15 USC 1666B states that a creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for purpose.

Companies were contacted and refused to fix discrepancies due to dates being pass 2-years.
Product: Credit card or prepaid card

I pulled a credit card with Citibank in XXXX under a zero percent interest rate. In XX/XX/XXXX I paid the card in full over the phone to make sure I was paying the entire amount owed. This was one month prior to the interest rate accrual that would begin in XXXX. In XXXX I received no statement showing balance was paid in full. In XX/XX/XXXX I logged into the card website because I just had my identity stolen and needed to check on all my accounts. I find a $ XXXX balance on my card! I called and they explained the card was used for autopayments that I never changed. I asked the company why I never received any statements and they said I was set up for email notices. I didn't have any notices and when I log into my account I see no statement for generated for the month I paid in full. I see statements for every month since I opened the account through today but no statement for XXXX after I made the payment in full. Therefore, no proof or notice that I paid my card in full. I asked the company to make courtesy of writing off all interest charges accrued since I thought this was a closed card. They told me they could only write off half. I begrudgingly pay in full and close the account, AGAIN! I log in today and see a {$6.00} finance charge on a zero balance! I have been a credit card consumer for over 25 years and never have I received so many problems with a credit card. I needed to report this because to me something is not right with this company and/or card line. In my added photo you will see the month my statement was not generated.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

This is another complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX, KS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX KS XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX KS XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This was for XXXX security alarm company. The contract was over and it continued even after it was supposed to terminate. I called them and sent them written notification of cancellation. Yet, they continued to bill me. I paid them once again and advised them that my contract was over and I no longer wanted the service. They waited for almost 3 years after contract has been done and they have put my account in collections for XXXX dollars I have not had any service there in at least 3 years and moved away from there over a year ago. This is abusive it is fraud.
Product: Credit reporting or other personal consumer reports

I have lifted a freeze with Equifax multiple times through their website. Each time it indicates that is has been lifted, however, my lender is still unable to pull my file in order to get a loan. I called them and I'm told that the freeze is lifted but that I need to send in documents to confirm my account. At no point over the past several days was I given any indication that this would be needed which has cost me valuable time as this is an emergency situation and I don't have time now to send anything in. This is very misleading to consumers who think their account is unfrozen only to find out later that isn't really the case. As a result of this and XXXX  mother with a XXXX XXXXXXXX XXXX baby is now going to be homeless as of this eveninig.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX bank is showing up on my credit report as a closed account that i am currently failing to pay, as if i still owe them a balance. They said that i was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is impossible because they sold this account to XXXX XXXX back in XXXX and I paid the account off in XXXX. Therefore, it's impossible for any NEW lates to be reporting during time periods that fall AFTER they sold the account. They can only report any lates that i had BEFORE they sold the account and those are the only lates that are supposed to be on my credit report for 7 years Now my credit score has dropped significantly because it's appearing on my credit as NEW NEGATIVE information. I contacted experian, they were unwilling to help and said that it is out of their control. I sent them evidence and they still refuse to fix it and they pointed the finger at XXXX  XXXX. I called XXXX  XXXX and XXXX XXXX is saying they can't do anything to the account because it was sold to someone else. I told them, why can't they tell experian that because that alone is proof that i can't have any new lates in XXXX, XXXX or XXXX because they didn't own the account. They can only report on my credit what happened on the account during the time period that they owned the account and that stays on my credit for 7 years. They don't own the account, they can't report FTP ( failed to pay ).