23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The phone number XXXX with the caller identity XXXX XXXX called my cell phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The calls came from Central Portfolio Control , Inc. They are located in XXXX, MN. The reason for their call was related to a hospital bill for an emergency room visit in the amount of {$2300.00} from XXXX XXXX XXXX XXXX. 

I was cleaning up old piled up mail at my home in XXXX or XXXX of XXXX when I found the one bill Central Portfolio Control sent to me dated XX/XX/XXXX. I went to the website listed on the bill one day just to make sure it was a valid company and to see if the site was operational. This hospital emergency room visit was from XXXX of XXXX, so, I took the time to go through all of my receipts from that year to make sure it was a bill that I had not already paid. By the time this task was complete it was the end of XX/XX/XXXX. 

When I could not find proof that the bill was paid, I set out to pay it over the next few months. I determined that I would take whatever was left over after every paycheck and pay on it until the bill was completely paid. The first payment I made was on XX/XX/XXXX in the amount of {$1000.00}. The payment cleared my bank on XX/XX/XXXX. 

Central Portfolio Control made a call to me after I went to the website initially. I was at work at the time of their call on XX/XX/XXXX at XXXX XXXX EST. The person said, I saw you have been to the site. When are you going to pay the bill? I told him I did not know if it would all be paid at one time, but my intention was to pay it. The next day I made the payment of {$1000.00}. The person turned around and called me back on the next day XX/XX/XXXX and asked when I was going to pay the bill. I explained how I plan to pay the bill and that I could not give a specific amount. I simply told the person I would pay the bill online and I would make a payment every month. He called again on XX/XX/XXXX and I blocked the call because I felt it was ridiculous to have this call every day when I had already stated my intentions. 

A payment of {$390.00} was made on XX/XX/XXXX. Another payment of {$100.00} was paid on XX/XX/XXXX because I saw 5 calls had already been blocked from this number and it was all I had until I got paid on XX/XX/XXXX. The remaining balance as of XX/XX/XXXX was {$900.00}. When I got paid on XX/XX/XXXX I paid the other {$900.00} to retire the bill. 

Little did I realize that Central Portfolio Control , Inc. had placed this account on my credit report with XXXX in the amount of {$1000.00} on XX/XX/XXXX. To add insult to injury I got a notice that it was placed on my XXXX credit report on today XX/XX/XXXX and the bill amount is {$0.00}. This violates my rights under the fair credit reporting act by providing inaccurate information about me to the credit bureaus in an attempt to ruin my credit.
Product: Debt collection

i have no knowledge of this account im on food stamp and XXXX. i should never of had a bill for medical expenses. im not sure if this is a billing issue but they are posting this XXXX $ debt on XXXX reports and constantly calling my phone. its obnoxious and at minimum id like them to notify me by mail only and remove this from my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

THE PROBLEM : Neither XXXX XXXX nor Capital One will correctly report my payments to all three credit bureaus.. 

For two years now and to date, I have been working with Cambridge Credit Counseling ServiceXXXX to pay off loans with XXXX XXXX and Capital One. Proof attached. Cambridge is unable to get them to correct the reporting, so I am coming to you for help so my credit score will improve, and I'll be able to move ahead with my plans to enter real estate investing with an excellent credit score for better interest and approval rates. I've tried on my own to work with all three credit bureaus, no success. Can you help? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 there was an account opened with XXXX XXXX in XXXX, GA in the amount of {$10000.00}. This is a fraudulent account. Ive contacted the store that issued the credit as well. They have no record of any ID for me and I dont reside in Georgia.
Product: Debt collection

I have not had a XXXX account since probably 2012. When I closed my account and changed providers I owed them nothing, and have heard nothing since. Today I received a letter from Jefferson Capital stating I owe {$270.00} ; when I called I got put on hold and disconnected 3x.
Product: Money transfer, virtual currency, or money service

I zelled someone and it wasnt my intended contact. There wasnt a confirmation of the persons name as there currently is in place now. I tried to argue it but nothing came from it. With a warning in place I wouldve seen it wasnt my intended target.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that was opened in 2014 is still on my report and its on there twice. At least 2 accounts should have been gone but there are reports on each one. One will say closed and the other ssys an amount and I've disputed them and its still there. One is XXXX XXXX the othe other is XXXX Then i have 3 vredit cards that i couldnt pay because of the pandemic. Also my car loan is paid off and it does not show that. Aldo there there are hard inquiries that i did not make. I think someone is fraudulently trying to get credit cards in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reported inaccurate addresses, names and SSN number on my report. 

Between XX/XX/XXXX- and XX/XX/XXXX, I have sent Equifax several letters and have made several calls asking them to remove erroneous addresses, names and SSN 's from my report with no avail. 

On XX/XX/XXXX, I sent Equifax a handwritten letter ( certified mail/attached ) asking them to remove all addresses, SSN, names from my report except for my current address, SSN, and name. 

Equifax is knowingly reporting false and incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by the law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C Sec.1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you pease check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

I DEMAND THE FOLLOWING ACCOUNTS TO BE VERIFIED OR REMOVED IMMEDIATELY. 

Name of account Account number CHILD SUPPORT ENFORCMENT XXXX Name of account Account number XXXXXXXX XXXX XXXXXXXX Verification Cancel contracts. Please provide the original contract or delete. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing a late payment on my credit file for XXXX  account # XXXX in XXXX of 2020. 
According to 15 U.S. Code 1666b.Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

Affiant, XXXX XXXX, victim of identity theft, I'm invoking the ADA against the following suspects who have committed perjury in the XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, a Federal Crime under Title 18 Sec. 1028A ( Aggravated Identity Theft ), 1002 ( Possession of false papers to defraud the United States ) and 1348 ( Securities and commodities fraud ). 
I filed Identity Theft Claim with Federal Trade Commission on XX/XX/XXXX # XXXX. 

These individuals and entities engaged in unlawful practices involving manipulative and deceptive tactics to foreclose on my property at XXXX XXXX XXXX XXXX, CA XXXX. REAL TIME RESOLUTIONS ( RTR ) created account XXXX without my authorization, violation of CA CIV CODE 1798 to 1806 under CA State Law. RTR has ignored and failed to respond to validate and authenticate my Notice of Dispute Affidavit and proof of claim under FDCPA and RESPA. RTR has not provided Sworn Affidavit from principal party with authority having first hand knowledge and chain of custody of any debt owed including account level documentation. 

On XX/XX/XXXX a fraudulent A CORPORATE ASSIGNMENT OF DEED OF TRUST was recorded on my property on XX/XX/XXXX, claiming that XXXX XXXX XXXXXXXX XXXX XXXX, a Delaware Statutory Trust created on XX/XX/XXXX, A SCAM DEBT BUYER ENTITY, is the alleged owner of the alleged account. ( Copy attached ) On XX/XX/XXXX I served XXXX USPS mail to XXXX XXXX, XXXX and RTR , Inc. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Notice of Dispute AFFIDAVIT. RTR refused to rebut to my Affidavit from someone with authority, personal knowledge of the matter and under penalty of perjury. 
Moreover, the Notice of Dispute Affidavit sent to XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX was returned NOT DELIVERABLE ADDRESS ( copy attached ). 

Moreover, RTR has sent me conflicting letters stating that the alleged original creditor was XXXX XXXX XXXX XXXXXXXX and on other letter stating that the alleged creditor was XXXX XXXX XXXX XXXX ( Copy attached ) I'm demanding for CFPB to file criminal charges against these entities and individual ( s ) for intentionally, deceitfully and fraudulently behavior to foreclose and steal my property at XXXX XXXX XXXX, XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

I noticed some accounts on my report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX experian and XXXX are in violation of 15 usc 1681b ( a ) ( 2 ) I the consumer never gave neither consumer reporting agency written consent to report anything on my credit report I have asked they remove these inaccuracies off my account they have not and are breaking the law.
Product: Debt collection

A Debt collector has placed a collections account on my credit report for a debt that was incurred by a deceased relative. I did not cosign on the account nor am I the executor of the deceased estate. The original creditor claims that they have a recording of a telephone conversation with me that gives them the right to do this. However, they will not give me any information. I have two issures with this : 1 ) I question the legality of this practice, and ( 2 ), I am certain that recording any such conversation without my consent IS A FELONY in my state.
Product: Credit card or prepaid card

1 ) Synchrony Bank is illegally charging improper late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

i have been disputing with XXXX, XXXX, and XXXX concerning information in the Security Finance account in my credit report not being accurate and permissible. security finance has refused to provide evidence pursuant to FCRA 15 USC 1681i and the FDCPA to support their certification that the information in this account is accurate and permissable.
Product: Debt collection

XXXXXXXX XXXX XXXX  XXXX Midland Credit Management Inc. 



On XX/XX/year> I received a court summons saying that Midland Credit purchased a debt that does not belong to me and I was not aware of, stating that they are taking me to court and I have 20 days to respond to the summons or a judgement will be put on me for the debt owed that I did not incur. I have never applied for a XXXX  XXXX account, and have never received any correspondence in the mail saying I owe a debt or that it was sold. I am a victim of identity theft and this account does not belong me. Contacting Midland Credit they were no help at all, so I am reaching out to the CFPB to help resolve this issue immediately. 

XXXX XXXX XXXXXXXX XXXX  XXXX Acct # ending in XXXX. Balance Claiming to be owed XXXX
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 Equifax and XXXX credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$5400.00} XXXX  XXXX XXXX Balance : {$5500.00}
Product: Credit card or prepaid card

I have been charged a late fee on this card the last two months in a row from my Macy 's store credit card. ( This is not the first time this has happened within the tenure of my account with Macy 's. ) They have a due date of the XXXX of the month and in XXXX the XXXX fell on a Saturday and, because of their method of posting their payments, it wasn't posted until the XXXX. Last month, they said I did not make my payment on time. In XXXX, I set up my payment ahead of time to be made on the XXXX and, lo and behold, no payment showed up. I received a email the makes me aware my payment was not received and was assessed a late fee of {$29.00}. Imagine that ... 

To their credit, they did wavie the my XXXX payment but this is a shell game no doubt.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i have some inquiries that i didnt apply for i have about XXXX hard inquires from chexsystems and im a victim of identity theft and i didnt apply for a bank accounts in my name the only bank account i apply for is XXXX XXXX the others are fraud and i contacted chexsystems inc about this and they told me to call the banks and send a letter in writing and i dont have any stamps and i dont work and i still getting denied to open up a credit union account and they dont have a freeze system and the rep was rude to me and kept me on hold for a long time
Product: Credit reporting or other personal consumer reports

SYNCB/PPC reported inaccurate information to XXXX, XXXX, and XXXX. This inaccurate reporting is causing me problems obtaining accurate information about my personal banking history and account statuses. 

Per the attached copy of my credit report, the items that are inaccurate are the Date of Last Payment, Date Last Active, Last Reported, Payment Status, and Date Opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XX/XX/XXXXand they are refusing to remove these fraudulent account as well as XXXX  and I am not able to gain access to XX/XX/XXXX so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XX/XX/XXXX I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.
Product: Credit reporting or other personal consumer reports

I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form XXXX signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company did a report to my credit a medical bills with no reason because I have insurance and they didnt charge to my insurance or send the bill to me before, when the insurance already paid the bill
Product: Student loan

I am writing because I had a loan with XXXX which I paid thousands of dollars in interest which was for a school that is closef. None of my credits are any good. I would like a resolution.
Product: Credit card

I am filing a case with the Consumer Financial Protection Bureau ( CFPB ) to report the issues I have been experiencing with Barclays regarding identity theft and fraudulent activities. Here is a summary of what happened : On XX/XX/ 2023, I received an e-receipt stating that my Banana Republic Barclays credit card was used for a transaction of {$710.00} in the state of Florida. However, I have never been to that state, and I can provide phone records to prove that I was at work in my own state at the time. Immediately after discovering this fraudulent activity, I contacted Barclays to report the identity theft. 

The following day, I received a credit alert notifying me that a Barclays XXXX XXXX credit card had been opened in my name. I promptly contacted Barclays again, filed a case with the Federal Trade Commission ( FTC ), locked my credit file, and disputed all the charges. I was informed that the cases were under investigation. However, Barclays has failed to conduct a thorough investigation and has been unhelpful in resolving the issue. Their customer service representatives have been uncooperative and have provided vague responses. 

Whenever I report fraudulent activity, Barclays automatically issues new cards. However, even before I receive these new cards, I receive alerts that the cards have been used again. I have spent countless hours on the phone with Barclays, but they have not reached a resolution. To make matters worse, on XX/XX/XXXX, Barclays allowed a card that I had reported as fraud and was under investigation to be used, resulting in a loss of {$510.00}. These illegal activities seem to be specific to Barclays, leading me to suspect that an employee may be involved. 

Barclays informed me that the only mechanism they have in place is for me to report fraud when it occurs. Despite my requests, they refuse to refrain from issuing new cards under my name. I feel helpless as there seems to be no end in sight. Every morning, my first task is to check if any illegal activities have occurred in my Barclays accounts. I have provided Barclays with all the necessary documentation, including a police report, FTC report, and phone history to prove the origin of my calls and the steps I have taken to protect my credit since XX/XX/ 2023. However, Barclays has taken no responsibility for the situation and continues to claim that they can only act retroactively if someone opens an account in my name. 

Furthermore, the person responsible for this fraud also requested a credit increase on a card that I never requested. The situation seems to be never-ending, as another card was used in my name just yesterday, once again from Barclays. I am in desperate need of assistance to resolve this matter.
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 U.S.code 1681 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

US Department of Education XXXX XXXX Has violated my rights 15 U.S.code 1681 section A states I have the right to privacy 15 U.S.code 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish Account without my written instructions. 
15 U.S. code 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item 's of information then records 15 U.S.code 1681 S - ( A ) a person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that information is Inaccurate. 

This is for complaint : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Transunion- XXXX - XXXX