23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX along with Hunter Warfield have put a large ungodly amount of money against me that has seriously hit my credit score .. ALL IS COMPLETELY FALSE! I paid my rent 2 weeks early the entire time I rented from them.. They kept my deposit and said the extra amounts were for carpet replacement.. The carpet along with the 2nd rate apartment complex was disgusting. They had XXXX  and XXXX XXXX raided every single night.. The most unprofessional person 's they could find for representing their company that harassed tenants trying to move from facility worse than any situation I had ever been in with a landlord. She cut the locks off while we were inside 3 weeks before my lease was needing to be renewed completely beligerant scaring my kids and not {$1.00} was late and I tried staying away from her completely not causing any problems.. The place was subpar and really nothing I would ordinarily would ever live in but my husband died 2 weeks before moving in.. I had never seen this complex or knew of anyone renting their.. I moved back to my hometown for familiarity and this was built in the mean time.. I have tried resolving this issue with them.. Hunter Warfield should be shut down along with these greedy slum lords trying to squeeze a few more dollars for their own greedy gain.. THE CARPET WAS DISGUSTING IN FIRST PLACE! DO WAS THE PAINT! HOW AM I OAYING THIS? AND HOW IS THIS LEGAL FOR YOU ALL TO RUIN MY GUTURE AND MY CREDIT SCORE ALTERING MY CHILDREN AND I PLANS BEVAUCE YOU NEED PAWNS TO OAY FOR XXXX  HACK WITH XXXX  LURKING 24/7.. I HAVE NEVER RAISED MY KIDS UNDER THESE CONDITIONS.. IT WAS TIME TO GO! 1 YEAR WAS XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the creditor to dispute incorrect information and they claim they can't verify this account since the account is with a third party. This is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I published a report about my erroneous information from a XXXX  XXXX file where it is not my person involved. 

I am attaching the information that shares inaccurate information affecting my credit report in a significant way.
Product: Credit card or prepaid card

I HAD PRE-APPROVED INVITATION TO THEIR XXXX CREDIT CARD. THE ACCOUNT WAS OPEN ON XX/XX/XXXX. I MADE ALL PAYMENT ON TIME EVERY TIME. THEY REQUEST CONFERENCE CALL WITH THE XXXX XXXX. I HAVE REQUESTED TO SEND ELECTRONIC DEPOSITS TO MY ACCOUNT AND I WILL VERIFIED THOSE DEPOSIT BUT THEY DENIED AND WANT TO VIOLATE MY PRIVACY IN REGARDS MY BANKING. I HAVE SAVING AND CHECKING ACCOUNT WITH XXXX XXXX AND THEY STILL PLACING RESTRICTION ON MY CREDIT CARD ACCOUNT ENDING # XXXX  WHICH SHOWING ON MY CREDIT REPORT AS CREDIT LINE OF {$500.00} IT 'S BEEN OVER A YEAR AND THEY STILL AS OF TODAY XX/XX/XXXX DENIED TO REMOVE THE RESTRICTION.
I WANT THEM AS CAPITAL ONE CONSUMER TO THEIR BANK TO REMOVE THE RESTRICTION IMMEDIATELY OR PLACED TWO VERIFICATION DEPOSIT TO MY XXXX XXXX ACCOUNT AND I WILL VERIFIED THOSE DEPOSITS FOR SECURITY PURPOSES BUT I DO NOT WANT THEM ON CONFERENCE CALL WITH THE BANK.
Product: Credit reporting or other personal consumer reports

HI, I checked my credit reports and found unauthorized fraudulent inquires on my XXXX, XXXX and Equifax reports. 

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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is giving false information about a account that says by law it SHOULDVE been removed and it still showing on my credit report the investigation was estimated to be completed by XX/XX/2019 today is XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

issues on my credit report i didnt authorize these credit inquirys XXXX  mortgage XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX XXXX data XX/XX/XXXX XXXX mortgage XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX data XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon. I SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.
Product: Credit reporting or other personal consumer reports

DEPT OF ED / XXXX Account Number - XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple dispute letters to each bureau in an attempt to remove fraudulent accounts off of my credit, I have been told I need to file a report with you guys for the bureaus to remove the accounts. Not too sure if thats a legitamite reason but im doing it! I am asking the bureaus to remove the items under 605B of the FCRA.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$1800.00} and {$3500.00} respectively. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. 
Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

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

I disputed a bankruptcy with Equifax, and after their investigation they reported, as shown in the attached file, that the bankruptcy would be removed from my credit file. This is still showing on my report over a month later. When I called the company they stated I needed some kind of document from the court house to remove the bankruptcy AFTER already sending me verification that it was to be removed. They were not clear on what exactly I needed to get from the court house either.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against LVNV funding. I sent a registered letter on XX/XX/XXXX requesting verification of the debt, because they had filed, and then withdrew a small claims case against me in XXXX County in XXXX of XXXX. I have been given no response. As well, I have disputed their credit reporting on my record for the " date opened ''. They have re-aged the account as opened XX/XX/XXXX, which is completely false. Their continued reporting of this account as being opened and then not paid, shows as a " recent delinquency '', and therefore is causing me great hardship with any financial turns I take. I have been denied credit multiple times due to their false dating of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account name XXXX XXXX and # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It is crucial that these accounts and details are not reported, as their inclusion constitutes a direct violation of the FDCPA and FCRA. This violation involves several laws and must be rectified by promptly removing these accounts and information from my consumer report. I insist on their immediate removal to ensure compliance with the relevant regulations. Please take immediate action to address this matter.
Product: Credit card or prepaid card

I applied and was approved for a BJ 's Mastercard from Comenity bank in XX/XX/2022. I didn't receive my original card, so reported the card as not received. I still did not receive a card, so I called to request a replacement. This time I was sent a letter advising that Comenity was unable to contact me to at the number provided on my extended fraud alert. I did not get any calls and have no record of their attempts to contact me. I called again to request a replacement card upon receiving their letter that they were unable to contact me. I was told that a card would be issued, but have only received another letter advising that they were unable to contact me. I have answered calls from ANY number that called me in the past month just to be certain that I didn't miss the call to confirm my information. Comenity is the only issuer who seems unable to contact me. I've even received and paid a bill on a card that I have never had in my possession. I just want someone to reach out and confirm that I am the one who requested the card so that I can start using it to earn the rewards that were promised when I applied for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureaus on XX/XX/22 requesting a reinvestigation into some questionable items on my credit report. The items still remain on my credit report as verified, but I was not provided the investigation results. Failure to provide the results and the details are a violation of the FCRA.
Product: Debt collection

I have mailed 2 certified letters to all XXXX collection agencies ( XXXX ) on XX/XX/2017 and XX/XX/2017 regarding this creditor AR RESOURCES for a medical bill. I have asked for Validation of this debt with my signature stating that they can report this since this is a HIPAA violation of my private medical account and medical history information. I did not authorize nor consent to this. I have yet to receive any proof with my signature of me consenting to the release of my private health information. They refuse to provide proof as to why I am filing this complaint and I am trying to purchase a home and this is showing I have financial trouble in which I do not.
Product: Debt collection

I had a XXXX account back in XXXX but I closed the account and switched to XXXX on XX/XX/XXXX. I sent letters and called XXXX ( XXXX ) to let them know I was receiving emails from XX/XX/XXXX to XXXX of XXXX. When I went inside the store in person I was told they couldn't help me because I didn't have the pin even though in showed them my license and gave them my ssn. Now I'm receiving a collection notice XX/XX/XXXX. I reached out to the collection agency and sent letters to dispute but they're only looking at when I first opened the account and ignoring the fact that I closed my account. I tried desperately to get information on this because I know this is fraud and XXXX is trying to cover it up. They should be able to see the card information on file, address used and etc to see if matches my information.
Product: Credit card

Chase refuses to go through with a chargeback for an unauthorized amount. I had agreed to a purchase of {$24.00}, and was charged {$170.00} on XXXX/XXXX/15. I initiated a chargeback with chase to attempt to recover the funds from this transaction. Chase did not ever send me a written reply about the status of my case. I requested updates on the status in writing every 2 weeks, with verified delivery. Chase eventually told me that " too much time has passed, and we are unable to do anything about this dispute. '' I told them that this was not fair because I was constantly requesting updates, and the original dispute was within the 60 day window allowed. They claimed that they sent me mail requesting information from me, and I never replied. When I told the representative that the only reply I had gotten from XXXX was that " they were investigating and would let me know if they needed further information '' and that I never actually received a request for said information, he said there was nothing they could do.
Product: Credit reporting or other personal consumer reports

I am writing to formally request further clarification and re-investigation regarding accounts appearing on my credit report that I believe do not belong to me. After previously disputing these accounts, I was informed that the accounts were verified as accurate. However, I am concerned about the method of verification employed by your agency. I would like to understand : What specific steps were taken to verify these accounts? 
Was contact made directly with the creditor ( s ), and what documentation or evidence did they provide to substantiate the claim that these accounts are legitimately associated with me? 
Were any third-party databases or external records consulted in the verification process? 

Furthermore, I have been informed by the creditors associated with these accounts that the accounts were mistakenly merged with information belonging to another individual. This appears to be a case of mixed credit files or erroneous data consolidation. The improper association of these accounts with my personal credit file is causing significant harm to my credit standing and financial well-being. 

Given the severity of this issue, I request that your agency : Conduct a thorough re-investigation of the disputed accounts, including direct communication with the creditors regarding the possibility of mixed files. 
Provide me with all documentation and evidence used to verify the accounts, including any communications with the creditors or third-party data sources. 
Correct and remove any inaccurate or unverifiable information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

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: Debt collection

I went to the hospital on XX/XX/XXXX after falling down my front stairs after a snow storm amd thinking I broke my ribs. My insurance company XXXX paid everything but {$220.00}. I have been working on repairing my credit for quite sometime and got it almost to XXXX on one credit bureau when a debt collection of {$2000.00} appeared on my credit which was from Lockhart Morris amd montgomery. I contacted XXXX hospital to get all the invoices from that emergency room visit which supplied me a bill that was almost paid as mentioned above. I called my insurance company and they don't have any record of uptown emergency physicians sending an invoice to be paid. I called uptown emergency physicians who told me to contact their third party that handles their invoices and they don't have any record of me at all. Lockhart Morris and mongomery answered my letter that verified me, and a copy of what appears as the first page of my hospital visit and what the hospital charged me for each test and diagnosis. The original mailing address from this bill was sent to an address that I haven't lived at for over XXXX plus years so I never received this bill. I don't think I should have to pay the entire invoice since that apparent physicians bill was never sent to my insurance company nor did I receive it at my current address which I've lived at since XXXX. This so called bill was sold at some point and this Lockhart Morris amd montgomery bought this debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my TransUnion credit report and identified an account reported by XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) with account number ending in XXXX. This account is listed as a collection account with a balance of {$7300.00} and a high credit limit of {$3700.00}. 

I do not recognize this account, and upon further review, I identified several inconsistencies and errors that raise concerns about the accuracy and validity of this reporting. 

Key Issues Identified : Balance Discrepancy The reported balance ( {$7300.00} ) exceeds the high credit limit ( {$3700.00} ), which suggests errors, unverified fees, or penalties that have not been properly documented or disclosed. 

Missing Payment History The account lacks payment history details and date of last payment, preventing verification of whether the debt is valid or time-barred based on the statute of limitations. 

Ownership and Chain of Custody It is unclear whether this debt is still owned by XXXX XXXX XXXX XXXXXXXX XXXX or if it has been sold to a third-party debt buyer ( XXXX XXXX ). The company has not provided proof of ownership or documentation validating the debt. 

No Loan Terms Listed The report does not disclose any loan terms, repayment schedules, or interest rates, which further raises questions about whether this debt has been modified, settled, or inaccurately reported. 

Actions Taken : On XX/XX/year>, I submitted a formal dispute letter to TransUnion and XXXX XXXX requesting : Validation of the debt, including copies of the original loan agreement, payment history, and proof of ownership. 
Correction or removal of the account if the information can not be verified as accurate. 
I have yet to receive a response or acknowledgment from either party. 

Resolution Requested : I request that the Consumer Financial Protection Bureau ( CFPB ) review this case and require the company to provide proof that : The account is valid and accurate. 
The balance and fees are legally justified. 
They have the legal authority to collect on this account. 
If the company can not validate the debt or correct the errors, I request that the account be deleted from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your assistance in addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus about my XXXX card account. I was a victim of identity theft and fraud and due to this I had erroneous charges on my XXXX  card. XXXX did in fact find theses charges to be fraudulent and reversed all the late payments due to the fraud see attached proof. As well as it is still marked late 30 days in oct 60 days in XXXX and 90 days in XXXX days late on these days on my credit file.and I have proof of theese charges being reversed. So there should be no reason my report still is showing this negative information. 
But account states paid as Agreed.
Product: Debt collection

In XXXX 2017, I noticed that the Ad Astra had posted derogatory remarks on my account. I sent them multiple opportunities to verify debt but all they would reply with was they reviewed the account and determined that it was valid. 

I contact them back and said that the message they sent is not proving that i owed their company money. After i sent the 3 letters, i submitted a estoppel and after a day or two after they received the estoppel, they contacted me again wanting money from me via postage mail. 

Even though they XXXX my account with XXXX XXXX, they continue to leave derogatory remarks with XXXX and possibly also XXXX ( I have not checked XXXX yet )
Product: Credit reporting, credit repair services, or other personal consumer reports

So I pulled my  Credit and Saw  many things that I was completely unaware of. I tried submitting  one  massive complaint but now I will submit a complaint about each error on my report. I have medical bills on my report in which I did not obtain. Had n't been to a hospital and have no idea how my information was used. I have no knowledge of this debt. Please help because no one can give me any answers as to how it got on my report. When contacted I told Customer Reps that I 've never been to  XXXX   XXXX  and they insist that I pay a debt that is n't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We paid off our mortgage XXXX 2015 and have yet to have the mortgage discharged. 
The company Bogman Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX or Toll Free : XXXX Fax Lines : XXXX ; XXXX Bogman has failed to find the paperwork. Bogman has accepted and cashed our check and still failed to discharge our mortgage, they claim they can not get in to the software because of a lost password. In contacting the Commonwealth of XXXX, Division of Banks, Bogman Inc has failed to be licenced in XXXX.
Product: Debt collection

I had some procedures done as part of turning XXXX so my insurance covers those completely. When the hospital sent the bill into the insurance more than 90 days late they did not pay. I was told by the hospital that the charge was no longer and I went about my business. XXXX  months later I get a call from paragon revenue service about a bill hitting my credit repot at the same time I was trying to buy a house. I explained and sent copies of no longer owing but they just said call the hospital and get your money back but you will pay to get this removed. At this point I lost my chance at a house and my credit is tanking because of it. All my credit cards have dropped limits and raised my rates because of this. Need this taken care of asap
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
Accounts CXXXX 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 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 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