23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX ICS COLLECTION SERV, I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ICS COLLECTION SERV, I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXXt of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on my XXXX credit report that i noticed through XXXX XXXX. The hard inquiry is from ComenityCapital/Sephora and i never applied for any credit from them. The date of the inquiry is XXXX XXXX and when i contacted Comenity Capital they did not have any of my information or knowledge of me in their system so they told me to reach out to the Credit Bureau. When I contacted XXXX, I was told to fill out this form and file a dispute. I think someone did it fraudulently and accessed my credit to attempt to open a line of credit through sephora. None of the other Credit Bureau 's show any hard inquiries on my credit report as of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account consisted of 3 Loans as follow : My Primary Federal Student Loan : reporting at XXXX // {$72000.00} XXXX PARENT PLUS LOANS : reporting at : {$4700.00} and {$11000.00} In XX/XX/XXXX, I requested to consolidate my XXXX plus loans from XXXX  , I received approval to consolidate the loans in XX/XX/XXXX, However, the consolidated payment was higher than my XXXX loan payments, prior to consolidation, I then requested for XXXX  to unconsolidate my loans, and XXXX approved to XXXX so, However ; XXXX started reporting XXXX additional loans to my credit report : XXXX AND the $ {$16000.00} loan amounts, After about XXXX of calls to XXXX and XXXX, the XXXX XXXX XXXX was removed from my credit report, However ; XXXX refuses to remove the XXXX Parent Plus loans or the {$16000.00} loan ( XXXX ). 
I have also complained to XXXX re : the extreme interest that has accrued on my original loan show an amount of {$52000.00} which is not accurate.
Product: Student loan

Navient has continuously charged me even though i am still in school and should have a deferment. When I call them, they claim they never received my paper work and force me to take forbearance. I end up missing a payment because I think im still in deferment status and it has had a negative effect on my credit. I am trying to improve my credit and Navient keeps causing issues. They have done this numerous times. I dont get how they never receive my paperwork. Or how it is possible to know I left school and charge me the very next month the semester is over. But they never seem to know when I am still in school, even when I follow their rules. When I asked them they responded with, they get a quarterly report. If that was true how is it they when I am done, even if I had drooped mid semester. Would n't they know when the next quarterly report was received. This is not the case with them one bit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit report from XXXX XXXX which is saying the balance is coming from XXXX XXXX XXXX XXXX from XX/XX/2012. I never signed a joint lease with anyone, I have asked several times for a copy of this lease I supposed I signed. The credit bureau is allowing this allow to report on my credit report when it does not belong to me, Please have this account investigated and removed from my credit report. I contact the original credit XXXX XXXX and they are telling me they don't have a lease agreement with me or never had one with me. So I'm not sure where they are getting this information from. Please remove immediately. Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I was able to get the official list of all the companies who received the bid for the Illegal Repossession Order placed past 90 days of the allotted time they had to present the Title and Registration. Here is the information on the parties that were notified improperly.
Product: Debt collection

On XX/XX/XXXX i called in after finding out that this collection account was still on my credit report. On XX/XX/XXXX i called in when finding out that this was on my credit report and paid the balance owed. I was told that this was going to be removed once paid. Only to call Macys and find out why it was still on there I emailed the CEO and XXXX called me on his behalf. She confirmed that the account was paid via email but not removed. " RE : Macys Account Ending In XXXX Dear XXXX XXXX : This letter will confirm that a Macys account ending in XXXX in your name, had a balance of {$320.00} and was charged off on XX/XX/XXXX. On XX/XX/XXXX, the account was settled for an amount of {$160.00} and that amount was paid in full on the same day. If you have further questions or concerns, please do not hesitate to contact me at the number below. Sincerely, '' I am in the process of buying a house and this is really impacting me for getting approved. I am requesting that you please remove this debt AS i WAS GIVEN FASLE INFORMATION. XXXX XXXX Macys Executive Office Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   denied credit for a mtg on  XXXX - XXXX -2017. Tried to obtain a credit report by internet but was unable to complete the application. I have tried this route several times in the past and have not been able to obtain a cfedit report once turned down for credit. I am  XXXX .about not being able to easily obtain my credit report through this venue. I want my report to dispute the contents. Now.
Product: Debt collection

Hi abo ut 5 y rs ago I contacted the original creditor  XXXX   XXXX , This account was an account open from Identity theft.  XXXX   XXXX  closed the account. I have been living out of the country for several years. and I pulled my credit and saw it was fraud. The closed it and promised to remove it off my rep ort 5 yrs ago.      I have Attached my utility bill to prove, I was living in  XXXX  from  XXXX   XXXX  And I have made updated police reports when I had returned and saw even more Identity theft.     Now in  XXXX    XXXX    XXXX  has sold the account to a collection agency, they put this account on my credit report and has been trying to collect  XXXX  on a  Fraud  account fro  m 5 yrs ago.
I did write a letter to the collection agency but I have not had a response.     I would like to have this RE- Removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$0.00} - As a client I have legal rights that are given to me to safeguard me from misinformation being noted on my credit report. At this juncture I need to generate a final inquiry for inspection before I check with my attorney for information on how to handle inaccurate and unverifiable issues that are ongoing to be established as genuine. Kindly give me along with a copy of the contract fixed or voice chat where I authorized billing me with this particular account. In any other case you need to update of this particular coming from my credit according to the Fair Credit Reporting Act as well as the Fair Credit Billing Act. 

XXXX XXXX XXXX Balance : {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared.
Product: Credit card

I have never applied for a credit card. My personal information was compromised by XXXX XXXX. The total charge on the card is {$1400.00}. I notified Chase and they asked that I notify this company. I also notified them that I do not have the card in my possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached, ( if there is an Error on my download, Attachment ) These are the companies that I have no transactions with and have no binding contract with and are fraudulently reporting on my Social Security Number, ( SSN # ) without my written permission or instructions to do so. 

The Identified Transactions are Not information related to Any transaction by me as the consumer. 

They are violating my rights as the consumer and I request them to remove these false claims from my consumer report profile, and Cease and Desist Immediately. 

-Credence Resource Mana, ( Management ) LLC, XX/XX/XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX Operation ) XX/XX/XXXX XXXX XXXX XXXX, ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Report Number : XXXX
Product: Prepaid card

On XX/XX/XXXX I received a push notification along with an email saying that a transaction was successful for a payment while I had the lock card feature enabled so I contacted cashapp and asked how this happened and they really didn't directly answer my question but they said that this can happen for instance at hotels and gas stations and I said no it's not either one and then they said that merchants can force transactions to go through which I then asked ok they tried to charge me for the same amount on XX/XX/XXXX twice and the lock feature was enabled but it was declined so then they told me that I needed to dispute the transaction then which I said I shouldn't have to when the lock card was enabled but they said that it didn't matter. Also note that the transaction does not show in transaction history as a successful transaction it shows as declined. I have more screenshots if you need them as well of my chat conversation with them regarding 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 USC 1681. Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the second time within 3 months I have received 2 unauthorized credit inquiries for credit cards, which I an unaware of. The most recent being XX/XX/XXXX, XXXX XXXXChase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Experian customer support line to inquire about wrong information in my credit report. After waiting on hold for about 15 minutes, I spoke with an agent that was unable to assist me so she connected me to a dispute specialist.I can't recall his name but he had an XXXX accent. I certain there are phone records to validate. However, he was very rude and as I was having trouble understanding him due to his heavy accent. Long story short : he became frustrated and told me was going to hang up the phone in my face. I responded, that if you do that it would be very rude and I would contact his boss. He hung up the phone in my face.
Product: Debt collection

" I am filing this complaint against Resurgent Capital Services for multiple violations of federal debt collection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Failure to Validate the Debt : I made multiple formal requests for debt validation under 15 U.S.C. 1692g ( b ). Resurgent failed to provide proper validation, such as a copy of the original signed contract or proof of the current owner 's right to collect the debt. Instead, they provided insufficient documentation, such as account summaries and transaction histories, which do not meet the legal standard for debt validation.

Improper Transfer of Alleged Debt : After my validation requests, Resurgent transferred or sold the alleged debt to third parties ( XXXX XXXX XXXX and XXXX XXXX XXXX ). I subsequently requested validation from these parties and informed Resurgent that such actions violated the FDCPA 's prohibition against collection activities until the debt is validated.

Reinitiating Collection Activities : After the accounts were transferred to third parties and I flagged the violations, Resurgent resumed attempts to collect the debt directly, without resolving the prior validation issues. This constitutes an additional violation of 15 U.S.C. 1692g ( b ), which prohibits any further collection efforts until the requested validation is provided.

Reporting of Unvalidated Debt to Credit Bureaus : Resurgent continues to report these alleged debts to credit reporting agencies despite failing to validate the debts. This violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) of the FCRA, which require that all reported information must be accurate and verifiable.
Product: Vehicle loan or lease

I originally, purchased a XXXX XXXX XXXX to XXXX XXXX XXXX dealership/rep. was XXXX ( email att. ) leased thru XXXX XXXX XXXX.   Months after I returned the XXXX vehicle and got a new lease at same dealer for a XXXX XXXX XXXX XXXX in XX/XX/XXXX, I started getting billed for the first lease charge of approx. {$2000.00} ( see att. ). In XX/XX/XXXX, I filed bankruptcy but continued to pay my XXXX new vehicle lease. I have called XXXX on many occasions to correct payments from being applied to the XXXX account instead of XXXX and also missing payment not accounted for via email ( copy att. ) without response. They will not provide me required info because of my status, but have sent me an illegible statement of payments and incorrect two statement thus far, this has been ongoing now since before the BK was filed.
Product: Credit reporting 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 correct : XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXXXXXX Balanced {$310.00} XXXX XXXXXXXX Balanced {$1800.00} XXXX XXXXXXXX XXXX Balanced {$990.00} XXXX XXXX XXXX Balanced {$58000.00}
Product: Debt collection

Alliance one found my sister in law XXXX and called her yesterday harassing her for my information regarding collecting a debt. I have no idea how they got her cell phone but my brother called me visibly upset to hear about my personalBusiness. I am ashamed they Let my family know whose business this does not concern. My privacy has been violated
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within XXXX XXXX, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Debt collection

XXXX XXXX XXXX passed on a collection to Transworld Systems ( collection agency ) saying I owe {$940.00}. I contacted XXXX XXXX XXXX and they verified me by SSN ( Scary ) and said I had opened an account with them on XX/XX/year>, and was closed XX/XX/year>XXXX  due to nonpayment. I did not write down the address the lady told me where the service was used, but it was a XXXX TX address. I have lived in Washington State over XXXX years, then Oregon before for many more. I swear I have had this pop up on my XXXX XXXX report before and disputed it, and won. Now this time around the investigation says its legit. The only companies I have ever had my name in for electric services was XXXX ( XXXX XXXX XXXX ) in Oregon, and now XXXX  ( XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX XXXX XXXX XXXX XXXX, MD on XX/XX/XXXX and I purchased a XXXX XXXX XXXX XXXX I only gave permission for my credit to be ran by one ( 1 ) creditor. I did not authorize ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX, VA XXXX on XX/XX/XXXX | ( 2 ) XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX | ( 3 ) Capital One XXXX Capital One XXXX, XXXX, VA XXXX on XX/XX/XXXX | ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/XXXX | ( 5 ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXX on XX/XX/XXXX | ( 6 ) XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX on XX/XX/XXXX. 

I have requested these inquiries to be deleted from my credit report. I was advised to file a complaint with your agency. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested an update of my credit report and XXXX XXXX which by law I am entitled to and the company has failed to update
Product: Money transfer, virtual currency, or money service

The Company Zelle prior to 2017 did not disclose when sending someone money to people if this is the correct user I want to send money too, now they verify prior to sending if this is the correct person. 

a good totality of about {$800.00} I lost in transfers because of this misinformation that the company had.
Product: Debt collection

A bill for payment was sent to my employer 's former address. I had never worked at that address with the current employer and was unaware of bill. 

The bill was sent to collections and reportedly negatively on my credit report. Issue unresolved re : credit report after I provided correct address and insurance information. 

I want the delinquent status removed from credit report. 

I can not get anyone on the telephone at CMRE to resolve this.