23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Only after running a credit report did I find out I had a medical bill in collections. I was notified on XXXX by the lending agency of the credit report. I called Kansas Counselors, Inc ( KCI ) on XXXX and left a message requesting written notification of the attempt to collect the debt as I had not received such notification. I have not received any notice nor communication from KCI to date. This debt originated at XXXX XXXX XXXX XXXX, moved to their billing group XXXX then onto KCI.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX have unauthorized INQUIRIES reporting on my account. I have no knowledge of these inquiries or receipts of transactions and I for sure did not benefit from them. I need these removed immediately so these are not reflecting on me when I had nothing to do with them. 

XXXX Inquiries XXXX  XXXX XXXX ( Inquiry Date XXXX XXXX XXXX ) Equifax XXXX XXXX XXXX ( Inquiry Date XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( Inquiry Date XX/XX/XXXX ) XXXX XXXX ( Inquiry Date XX/XX/XXXX ) XXXX ( Inquiry Date XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out letters to the credit bureaus of Experian, XXXX, and XXXX certified mail. Neither agency responded with a return receipt of my letters of the inaccurate information. I gave them the benefit of the doubt and waited again until XX/XX/2022 and repeated the same process with sending certified letters. Again, there was no return receipt of acceptance to look into the inaccurate information being reported. Recently again on XX/XX/2022 I sent out the letters again, this time by regular postage and it is now XX/XX/2022, past the 30 day. This time I have decided to take further action to express that my rights have been violated according to the following laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692C : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

The creditor is in violation of Section 623 ( a ) ( 5 ) of FCRA, States In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

Not only has there been inaccurate reporting on my credit report, I have never given any written permission to contact me or report to the credit bureaus. I have also been receiving calls from phantom phone numbers disguising the company 's real phone number. These phantom phone numbers show up as local numbers in order trick you into answering your phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed Experian reporting a bankruptcy on my credit report in 2015. I've informed them to send me information confirming such bankruptcy but to no avail. They only respond by stating the information in accurate. I've contacted NJ Bankruptcy and they indicated they have no record of a XXXX XXXX filing a bankruptcy in 2015. 

When you check the bankruptcy courts public information, the recording mentions nothing about a XXXX XXXX. The information mentions the name of a person who fraudently used my SS # and this information has been filed under identity theft and forward to Experian who still continue to report false and inaccurate information on my credit report. 

Your agency submitted a previous complaint and Experian responded stating they needed more time and I should have the information within the next 60 days. It has now been over the 60 days and they still have not responded and continue to report inaccurate information on my report.
Product: Debt collection

XXXX XXXX XXXX : XXXX, XXXX Consumer Dispute Center XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Creditor : MOHELASRVCN XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Creditor Account number XXXX XXXX Creditor Phone number : XXXX Re : Request for Removal of Inaccurate Student Loan Information from My Credit Report Account Number : N/A [ Non-Reported ] To Whom It May Concern, I am writing to formally dispute the inaccurate information related to the student loan debt listed on my credit report ( s ) under the Creditor account information referenced above. I am requesting that the item be fully investigated and, if it can not be fully verified of original contract and/or all purchase agreements, must be removed from my credit file as provided for under the Fair Credit Reporting Act ( FCRA ).

Under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, I am entitled to request the removal of negative or inaccurate information from my credit report, including any item that can not be verified within the required 30-day investigation period. As per FCRA guidelines, any information that can not be properly verified must be removed from my credit file.

According to FCRA Section 605B it is illegal to report anything on my credit report without my permission.

Further violations of FCRA Law Under Section Pursuant to 18 USC 8, 1 ) I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my information pursuant to 15 USC 1681 4.

Also per FCRA guidelines 15 U.S.C 1681, governs the right to privacy of accessing consumer credit report records and any information published, sold and/or exposed illegally FCRA prohibits such activities against data breaches, data breaks and protected against illegal dark web activities and illegal usage of my identity and personal information in order to obtain financial lending failures of any CFPB banned XXXX XXXX XXXXXXXX XXXX and entities. 

I ask that you provide documentation or evidence to verify the original contract, all purchase agreements and for accuracy of this debt. If no such verification exists, I expect the item to be removed from my report immediately. 

As per Section 607 of the FCRA, credit reporting agencies are required to ensure that the information they provide to creditors and other entities is accurate. If an item is inaccurate, incomplete, or unverifiable, it must be corrected or deleted.

Please treat this letter as a formal request. If you can not verify the debt within the legal federal guidelines of FCRA & CFPB Law please remove the information from my credit file, as required by law. 

Enclosed, I have included supporting documentation that I have regarding this matter and proof of identity. 
I look forward to your prompt resolution of this matter. Thank you. 

Sincerely, XXXX XXXX XXXX Enclosures : Proof of Identity, Creditor Reporting Details
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have had a mortgage with Truhome Solutions since XXXX and The account number is XXXX. The mortgage company pays my home owners and flood insurance from my escrow account every year and this is done by TruHome solutions. In XXXX of XXXX the insurance was not paid. Funds were not sent in to XXXX XXXX nor the The XXXX XXXX XXXX XXXX ( XXXX ). Lack of payment to these companies has cause a world wind of problems. The XXXX cancelled my policy XXXX raised my rate and every other company I deal with think I neglected paying my bills. I have been a member of XXXX XXXX XXXX for over 20 years, with TruHome almost 10 years. Immaculate credit history. Never ever missed a home loan payment, XXXX auto loans and never late making a payment. Nonpayment of my XXXX policy caused that organization to require me to get an elevation certificate and the policy is now {$2100.00} from {$590.00}, 4 times the amount that it was .My homeowners and flood was {$1100.00} in XXXX. Now it is {$2700.00}. This amount is {$1500.00} more than I have paid since I have had this mortgage. I contacted TruHome Solutions and after days of calling and calling and getting the run around I got the Insurance supervisor XXXX. After countless conversations she informed me that there was a " touch error '' ..?? an error caused by a person not clicking 'send payment '. She informed me that my payment was sent in XXXX and scheduled to pay on XXXX but do n't know why someone did n't send the payment in XXXX. I asked if there was anything that could be done to change this and she pretty much said that I was out of luck. This mistake has caused me a tremendous amount of XXXX. This mistake in 5 years will cost me {$7700.00}. 10 years is {$15000.00} dollars. This is real money. I do n't have thousands of dollars to pay for this mistake. I have to consider moving from my home. XXXX of XXXX I have to find someplace to move to of pay {$31000.00} extra in payments due to TruHome Solutions mistake. This company may have to be investigated for fraud. It 's unknown how many people has suffered because of this type of blatant disregard.
Product: Debt collection

this debt was paid off in duress to XXXX XXXX in XX/XX/2016. I did not owe a bill. the tablet that was ordered on my account was not ordered by me. I sent it directly back without even opening the product and was still charged. all services were cancelled with nothing to be used and still double charged. I paid to keep it out of collections and yet still it is in collections. this company has been a complete headache and refuse to render any assistance.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : 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 or prepaid card

The Investigation department back office for Bank of America 's letter dated to me on XX/XX/XXXX was completely misleading. They made it sound like over a XXXX dollars worth of transactions based on a dispute with a merchant would not be posted back onto my account until XX/XX/XXXX, stating they would charge the account for these transactions on XX/XX/XXXX. They proceeded to put the charges back as of the XXXX, FIVE whole days before that date. I don't care if they meant to be deceptive or they made a mistake. They must do what is right and send me a check for the funds I had available on my EDD card for {$170.00}, as their letter gave the impression that I had until the XXXX before the charges would be put back on. I was going to use every penny of that {$170.00} after they grossly mishandled my dispute -- Twice! The documentation that the merchant provided does not add up. Over a XXXX dollars worth of charges for one measly trip from New Jersey to Florida which is only worth about {$100.00}. There is nothing they can say or show that can justify this, but the Investigation department just continues to disregard the obvious and reject my claim. I refuse to pay over $ XXXX for what only should have been {$100.00}. I don't care if I go into debt, it's just not going to happen. And so I was going to spend that {$170.00} from my unemployment while I had the chance. Now I can't, thanks to their misleading letter. I was on the phone with the Disputes department for an hour and a half a couple weeks ago, and XXXX, a manager, filed a complaint on my behalf as well as she gave them her own input on the matter, as she also does not agree with this and thinks that the Investigation department should give me the {$170.00}... 

Please note that this complaint as well as the manager 's input was filed and sent to them two weeks ago, as well as an agent filed a second complaint and expressed their input about a week ago. And still no response from them to me or the Disputes department...
Product: Debt collection

After making several attempts, This company still has failed to produce any and all contracts that I have signed with them showing that I gave them permission to collect from me and that they have a right to report late payments and debt increases to my credit report weekly and monthly. If they purchased this debt, provide the chain of title proof that they purchased this debt. I have yet to receive anything with this information and yet they are still placing negative information on my credit report every week and sometimes every 2 days. Additionally, This company sent a bill from another medical facility with personal medical information on it which is in direct violation of XXXX. At this point This company is knowingly harming my character and reputation and should be held liable for what they are doing. I do not owe this company I have never signed anything with this company and I dont know who they are. They continue to report late payments to my credit profile harming my life and the lives of my family. This is criminal and in DIRECT violation of SEVERAL FDCPA laws. Receivable Management company can not produce any contract because they do not have one. I am AGAIN making this complaint and demanding that this information be deleted from my CREDIT profile IMMEDIATELY.
Product: Credit card or prepaid card

I was awarded money from XXXX that took over a year because issues with them and account created already after a year state of NJ helped me get XXXX for XXXX back dated with amount of XXXX. The card issue from bank of America never able to work or use called bank security questions when answer with my answer timed out I then as instructed went to bank of America with 2 forms id. Spoke with XXXX told XXXX was available. A new card would come in mail new card received and during activation I was then routed to live person after speaking with them I again was told new card frozen go back bank. After 5 times after the 2nd card my account still remained frozen and told contact sponsor. XXXX told me not them call bank multiple calls with bank of America to XXXX with no status change money never able access. Last check I received XXXX tax year with XXXX left and XX/XX/2021 was last payment. I'm still XXXX over a year outside not able get emergency housing or assistance because they see the amounts never able to access. Also state help XXXX not able to help with housing shelter. I've suffered loss of money pp ersonall items and XXXX heyh grately affected by this. Please help me the efforts from XXXX and now state legislature very emotionless with end of most calls sate I'm sorry and will pass this email on to higher ups. I not only. Read that issue from bank frozen accounts was fined by state and that a review for people effected and proven true money was set for claimed people over year I've slept outside XXXX by people in my community. I think fair my money plus XXXX suffer XXXX XXXX XXXX done
Product: Debt collection

Jefferson Capital does not have business with me. I do not have a purchase agreement or contract with this company, and they are fraudulently reporting transactions on my credit report, negatively impacting my creditworthiness. They have called me multiple times to collect a debt and I have requested they provide me with proof of contract or the purchase agreement showing I have full ownership of such account so I can verify this debt as correct and true. They have failed to do on multiple occasions but continue to report on my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Employer : XXXX Date Updated : XX/XX/2021 XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX, I was in a XXXX XXXX XXXX casino and I was ready to travel back to where i was staying. I took a cab and when I swiped my card, it didn't work. The cab driver said i could pay with XXXX or Zelle. I was tired and fell asleep during the drive and he took me to a strip center where other cab drivers were hanging out. I told him that this was not the right place and asked where I was. He said that i need to get my Zelle payment, and right as he said that, another person got into the backseat and demanded that I make the payment and they'll take me the rest of the way. I feared for my life at this moment, and proceed to give them {$170.00}. The recipient took the phone from me and added another XXXX. I did not authorize this payment and didn't realize what they did until the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

If after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or can not be verified, the consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the reinvestigation. Hello I have found inaccurate reporting information from XXXX XXXX. The account ending in XXXX XXXX XXXX XXXX XXXX. I have called, wrote, text the creditor several times. It has been over 6 years that this fraudulent account been on my Experian credit report. XXXX indicates that the account was for XXXX. Now Experian is reporting XXXX, XXXX as a write off. I've noticed there are different XX/XX/90 past due dates on both agencies. This reporting has been damaged my credit over XXXX points for 6 years. I lost numerous of advancements in living, financial and personal. Due to this inaccurate information that's being reported by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX XXXX {$820.00} DTEDXXXX  XXXX {$820.00}
Product: Debt collection

XXXX XXXX XXXX XXXX dismissed XXXX XXXX XXXX, XXXX judgement for an unpaid balance of {$10000.00} on XXXX XXXX, 2015, but debt collectors from XXXX XXXX continue to repeatedly call me and harass, verbally abuse and swear at me and threaten me with arrest and wage garnishment. The debt do not belong to me. The court dismissed the judgement against me. XXXX XXXX XXXX XXXX, is in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 : {$2900.00} XXXX XXXX XXXXXXXX  XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is violating the fair credit reporting act by listing a fraudulent account that is not mine on my report
Product: Checking or savings account

Chase bank had a XXXX glitch on XX/XX/23. It occurred during the day during normal business hours and for most of the business day. It caused all of my bill payments to deduct twice including my mortgage payment. My understanding is that this is the second time in 2 months for this type of bank error with Chase. 
I was instructed to wait it out by Chase and check back later. I kept checking my accounts and slowly I saw that my external payments were corrected. My internal payment to Chase home mortgage was not corrected and posted causing an overdraft. 
I made a claim with both Chase banking and Chase Home lending as I was instructed. I have been told that it could be days before the error is fixed. 
I am writing this complaint because the timeline is unacceptable for correction. I can withstand this situation as I have money in other accounts. I worry about people with more limited means. 
Chase banks error needs to be fixed by Chase immediately. 
I can not imagine what a person with limited means is supposed to do with a wiped out bank account from a bank error. Waiting days for their own money? Chase should be fined. 
Can my representative or senator from the state XXXX XXXX be notified of this type of consumer banking problem?
Product: Credit card

Best Buy card didnt use it and I didnt receive any statements on my address for more than XXXX years. XXXX sent me message saying Best Buy closed with balance XXXX $ and Im not responsible for these transactions. I tied to open my account and I found different address not my new address and didnt phone number. I tried for more than two month calling the bank but no one solve it and they ask me making a payment for something I didnt use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies which is XXXX, XXXX and Transunion did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports. Date of last payment is all not correct on all 3 credit reports. 

Which is a violation. This is impacting me from moving forward to buy a house. 

I attached my report to show how Transunion is violating my rights.