23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an account reported to my credit file as an unpaid debt. reporting company is AWA collections when I look at it on my credit report it states debt was from a bank in XXXX Tennessee. I have not lived in Tennessee in 15 years. I feel this may be Identity theft As I am completely sure this debt is not mine. 
Debt was reported on my credit report by AWA collections XX/XX/2019 then updated on XX/XX/2019 I disputed the debt and the only response I have received from XXXX is that AWA verified the validity of the debt but I still have no proof from anyone that this debt is mine. 
I have no documents from anyone to provide as this is not my debt
Product: Credit reporting or other personal consumer reports

Subject : **Dispute of Inaccurate Information and Request for Removal under 15 USC 1681** Dear Sir or Madam, I am writing to formally dispute the inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681i , which mandates that credit reporting agencies must ensure the accuracy of the information they provide. The following accounts are inaccurate and/or incomplete and should the investigation come back determining as such, they must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX {$2100.00} These items are incorrect and must be removed from my credit report. I am requesting that you immediately investigate these inaccuracies as required under 15 USC 1681i and, upon verification of their incorrect nature, have them removed from my credit report. I trust that you will comply with your obligations under the FCRA and resolve this issue promptly by removing the inaccurate information from my credit file. If this dispute is not resolved within the legally mandated time frame of 30 days, I may pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. Please confirm in writing when these items have been removed from my credit report. Thank you for your prompt attention to this matter.
Product: Debt collection

There is a collection on my credit report from Sunrise Credit Services for {$290.00}. The original creditor is XXXX XXXX. The first time this account was on my credit report was XX/XX/year>, but says the account was opened in XX/XX/year>. XXXX says they do not have information about this account and can not give me any information about the account. Sunrise Credit Services told me to file a police report, the police told me to contact XXXX for more information, and XXXX told me to contact XXXX. No one has any information about this account but it has remained on my credit report.
Product: Debt collection

I XXXX XXXX XXXX back during Covid .I was trying to make arrangements to pay it off since last year and Home Depot told me the debt was canceled and they filed a 1099-C cancelation of debt with the IRS.I paid the cancelation debt on my taxes. The problem is that the balance appears on my credit report as a balance of XXXX that I owe. Home Depot said I have no other options. I'm trying to buy a house but this is preventing me from getting my house.I despute the charges and they keep saying it stays the same. How can I settle this debt if they want let me. I was told to contact the IRS by home depot and they said it was paid but it's nothing they can do Home Depot is responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Financial decided to close my account and when I had regularly posted payments on time for years. I feel I have been discriminated against and that its against the law of 15USC ss1666.

I told them I lost my job in 2020 and got set on a payment plan well when Ive started working again they just closed the account and they refuse to reopen it. This is negatively impacting my credit score.
Product: Bank account or service

Citibank advertised a {$400.00} bonus for new checking account customers. Having met all the terms and conditions, including the initial deposit and balance requirements, the bonus has yet to be deposited to my account after the 90-day timeline specified in the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. 
Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX CRED Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

14. Identity Theft JEFFERSON CAPITAL SYST Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
Product: Mortgage

Mr. Cooper XXXX Nationstar Mortgage XXXX is incorrectly reporting my current mortgage loan with them as discharged in my chapter XXXX bankruptcy. The mortgage was modified and the account is open and in good standing per the modification agreement with Mr. Cooper.
Product: Checking or savings account

I visited an XXXX XXXX XXXX on XX/XX/XXXX and order a XXXX  that was supposed to be delivered XXXX XXXX. It was not delievered. I reached out to XXXX XXXX XXXX and they advised that I needed to reach out to my bank in order to get the refund because the shipper was unable to validate who picked up the XXXX  or where the XXXX  was located. I submitted a dispute with Chime and explained this to them .. Chime then denied the claim and said that MERCHANT CONFIRMED THAT THE TRANSACTION WAS MADE AT THE PHYSICAL LOCATION. However, I NEVER said that I did not purchase the item. I said I never got the item, I never picked it up. It was NEVER SHIPPED TO ME!!! 

I went into the store, purchased it and it was supposed to be shipped to me. Never was. The item that was purchased was a car XXXX. Which can NOT be brought in a store. Which means that the customer never left the store with the item. For Chimes records I have attached a copy of the conversation with a XXXX XXXX XXXX Agent to confirm this information. Again, I need this claim re-opened and corrected. I ALSO HAVE ATTACHED THE COPY OF THE LETTER FROM XXXX XXXX XXXX Merchant verification or validation Merchant confirmed that the transaction was made at the physical store to justify the member provided an original receipt that confirmed the member received the item and service upon leaving the store merchant also breakdown the member charges. Compelling documents. If you wish to continue to dispute pls contact directly the merchant. 

HOW CAN A PERSON LEAVE A STORE WITH A XXXX PLUS POUND OF XXXX? 

WHEN THIS IS ALL SETTLED I WANT THIS CHIME ACCOUNT CLOSED
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, trustee XXXX XXXX XXXX LIVING XXXX XX/XX/year> XXXX XXXX XXXX Subject : Dispute of Fraudulent Debt and Demand for Validation Pursuant to 15 U.S.C. 1692g and 15 U.S.C. 1691 To Whom It May Concern, This letter serves as formal notice that I dispute the alleged debt referenced in your collection attempts, as it has not been properly validated in accordance with federal law. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I exercised my right to request validation of this debt. However, to date, your agency has failed to provide sufficient evidence proving that this debt is legitimate, that I am the rightful debtor, or that your agency has the legal authority to collect it.

Furthermore, per 15 U.S.C. 1691, under the Equal Credit Opportunity Act ( ECOA ), any adverse action taken against a consumer, including credit-based collection actions, requires proper notice and justification. Your failure to validate this debt before continuing collection efforts constitutes a violation of my consumer rights. 

Pursuant to my rights under the FDCPA, I demand the following : 1. Cease and desist all collection activities related to this disputed debt until you provide full and proper validation, including but not limited to, a signed agreement or contract explicitly linking me to the alleged debt.

2. Provide documentation proving your legal authority to collect the alleged debt, including a full chain of assignment from the original creditor.

3. Immediately remove any negative reporting related to this alleged debt from my credit profile with all credit reporting agencies, as unverified debts must not be reported per federal law.

Failure to comply with these requests constitutes willful noncompliance with federal statutes and may result in legal action against your agency. If I do not receive an adequate response within 30 days from the date of this letter, I will explore all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please be advised that any further communication regarding this matter must be in writing only. I expect prompt resolution and full compliance with federal law. 

Sincerely, XXXX XXXX, trustee of XXXX XXXX XXXX LIVING XXXX
Product: Debt collection

I recently pulled my consumer reports and I seen that CBSA Collections reported a collection account for the amount of {$3400.00}. I have reached out to the company to verify the account, but it was to no avail. I am aware of my rights as a federally protected consumer pursuant to the Fair Debt Collection Practices Act. I challenge CBSA to provide the agreement between the organization and I under penalty of perjury which gives them the right to collect. I challenge CBSA to prove that they rendered any services or compensation to me, the consumer, in order for them to collect under penalty of perjury. CBSA 's failure to produce such proof is a violation to my rights under the fdcpa. I also want to bring awareness to CBSA that it is unlawful to furnish any information that would create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I challenge CBSA to prove otherwise under penalty of perjury. Otherwise, the organization shall remove all information from my consumer reports immediately. CBSA will be held liable for any violations to the consumer pursuant to the fdcpa.
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.

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

On XX/XX/20 I sent a letter to Experian certified with a return receipt, requesting a MOV regarding an item on my credit report per FCRA 611 ( a ) ( 7 ). This request is due a response in 15 days. Experian failed to  respond with the requested items or remove the creditor. I called XX/XX/20 spoke with XXXX & later XXXX in disputes and both argued they don't have to delete anything and can file a new dispute. 
The problem is I sent the letter and they have yet to fulfill my request due to me by law. They both reassured me they don't have to do anything and they don't verify data they just host it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX You are in direct violation of the fair credit reporting act ( capital one auto loan and account number XXXX ), has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearing states that 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 1666B. A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act
Product: Debt collection

This is a bill for XXXX XXXX for my EX-spouse, it transpired after we were legal separated and divorced. I am in no way responsible for this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was 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 information relating to any transaction by the consumer. 

XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$510.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$410.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$210.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This is an add on to Complaint against BOA XXXX XXXX provided them a tolltag statement, which BOA finally provided to us. Mind you XXXX has never provided us 1 piece of proof. 

BOA told me in short they were permanently dismissing the charges out of " courtesy '' and my problem is THIS IS FRAUD and if their fraud department isn't any smarter than this they need to be fired. 

In all the data we have sent you, 1 ) the agreement number is not the same as our rental agreement ( XXXX ), 2 ) the dates of the charges are XXXX XXXX and the reason we disputed documented our rental was XX/XX/XXXX. You don't need to have special training to figure this out so my problem is " out of courtesy '' is XXXX they never reviewed the materials. How many people give up because BOA doesn't do their due diligence? 

NEXT, HOW IN THE XXXX IS OUR CREDIT CARD BEING CHARGED FOR TOLLS ON A CAR IN TEXAS ON DATES THAT ARE NOT ASSOCIATED WITH OUR AGREEMENT. WE HAVE TOLD BOA THEY BETTER BLOCK ANY AND ALL FUTURE CHARGES FROM XXXX OR XXXX. THIS REQUEST NEEDS TO BE REINFORCED. I HAVE SEEN OTHER PEOPLE COMPLAINT THAT XXXX JUST KEEPS HITTING PEOPLES CARDS. YES, WILL BE UPDATING FTC COMPLAINT AS WELL AS ATTORNEY GENERAL.
Product: Credit reporting or other personal consumer reports

I have been dealing with the consumer reporting agencies about aggravated identity theft. Reporting unauthorized information to any consumer report is fraudulent and a violation of both state and federal laws. I am here on the cfpb to make this issue be known. I did not provide the companies referenced in the attached letter with consent to share my credit card ( ID, SSN, etc ) or any other nonpublic financial information with another entity and I did NOT give the consumer reporting agencies [ Experian, XXXX, XXXX ] expressed written consent to report the information. This concludes to IDENTITY THEFT. I am demanding that this information be blocked. The accounts are also noted below : XXXX. 
XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to freeze my credit due to the recently reported hack which exposed my information to hackers months ago. XXXX will not freeze my report without charging me a fee. 

A freeze really needs to be free, since I did n't authorize them to either collect the information nor to distribute it to its customers. They are unconscionably trying to make money off the failure of their industry to protect consumers! I am appalled. 

Transunion is requiring that I sign away my rights in order to get the credit freeze. This is unfair as I have no other option other than freezing it through them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XXXX is only credit reporting 30 days late on Capt One account. I have contacted the creditor and they sent information to all 3 credit agency that my account was never late. 
XXXX and XXXX  corrected and updated my account information. 
I have written letters to XXXX  to remove lates because that is not accurate information. But have not been able to get this resolved.
Product: Credit card

On XX/XX/XXXX, I submitted a {$1000.00} payment to my XXXX credit card. The money was withdrawn from my checking account and as of this complaint, the payment hasnt been applied to my credit limit. The response from XXXX is completely illogical and unacceptable, as they havent adjusted my credit limit to reflect the payment. They informed me it could take another 7 days to post/reflect. I have {$20000.00} and {$30000.00} limits with other card issuers and a perfect payment history. Its unfair and borders on discriminatory for a credit card provider to accept the payment then take weeks to adjust the credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is outrageous that Equifax waited six weeks to notify half the United States their most sensitive data was stolen. It is also outrageous that this company 's shabby systems allowed the hack to occur in the first place. And their requirement that consumers waive their right to sue in order to take part in a credit monitoring service is nuts. I do n't expect much of this government but for crying out loud ca n't you at least protect us from this type of mistreatment? I suppose not.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN XXXX XXXX XXXX -- XXXX XX/XX/21 PAGE 11 OF 12 under phone numbers has a number showing XXXX in which is a business number not my phone number Experian needs to provide proof from the cell carrier and account number as contact person proof of my date of birth contract and the cell carrier contact from them with who they spoke to date and my date of birth full legal name on the account
Product: Debt collection

I'm in debt, just like any other person. Debt XXXX, I know its there and I pay towards one debt at a time. Ive got medical debt, school debt and credit card debt. I'm slowly paying off my medical debt and will eventually work towards my other debt. I'm very aware and understanding how debt works and how debt collectors work but this company is literally driving me nuts. They call me 2-3 times A DAY. There has been one incident where they actually called me 4 times in one day. I have spoke to the caller once, explained my situation and left it at that. When debt collectors say they want to help, it's a lie. Ive asked them to stop calling me so many times in 1 day, its ridiculous. Since they call me so much, I've blocked them and they go straight to voice mail. The person leaving the voice mail is the same recorded message over and over. It's annoying and if I could block them from leaving voice mails, I'd do it in a heart beat. I don't care how much money anyone owes to any company, debt collectors should NOT call more than once a day UNLESS they've spoke to the customer and was told otherwise. This needs to stop, immediately. The company name is Receivables Management Partners , LLC and the number they call from is XXXX.
Product: Checking or savings account

Fraudulent bank accounts from Bank of XXXX, XXXX, XXXX BANK. XXXX XXXX XXXX XXXX Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX MN XXXX am writing to request an investigation of the following information that appears on my XXXX System consumer report which is fraudulent. 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. Items listed above. have violated my rights. 15 US.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 ( AN ( 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.I have NEVER opened or used the following account numbers, please remove all information below : Contributor : BANK OF XXXX XXXX XXXX ***, XXXX XXXX XXXX XXXX FL XXXX XXXX Contribution Reason : Checking Account Fraud Bank Routing # : XXXX Account # : XXXX Fraudulent Inquiries below : XXXX XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my XXXX Systems report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. Sincerely, ". am not willing to prosecute