23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have not owed XXXX XXXX XXXX for any XXXX XXXX, but credit collector has continually harassing me and placed a debt of {$100.00} on my account after I have even told them have been cleared by XXXX It happened that I received an order of a cable modem from XXXX XXXX XXXX which was not ordered for by me, I only make phone inquiry about the service alone but the person I spoke with send to my address the modem through XXXX and immediately I saw this, I called XXXX and they asked me to send it back the next working day through the same courier and after 2 days I called again and it was confirmed received by them. And they told me severally that am cleared but credit collector keeps disturbing me on this and I have referred them time without number to seek clarification from XXXX XXXX XXXX but they did not. It unfortunate that this is still coming out on my credit report. Am frustrated and am developing XXXX XXXX with the way they disturb and the manner by which this appear on my credit information. I am seeking for a redress. I will appreciate if this can be settled. Am just tired of what XXXX XXXX XXXX is doing to me. 

I can be contacted for further clarification of this matter. 
Thanks
Product: Credit reporting or other personal consumer reports

feel I am being ignored by this company. my report has unauthorized accounts, never did I consent to these being applied for. Never did I have knowledge of them nor did I ever have access to any of these. However, Experian is not removing them from my report.
Product: Credit card

I have Shop Your Way Mastercard issued by Citibank. As part of security and to prevent fraud, I enabled all alerts whenever a new transaction hit my credit card account. These alerts helped to prevent any fraudulent transaction. For a while these alerts worked fine until it stopped working since early 2024. On XX/XX/year>, I contacted customer service about the issue of not getting any alert. Instead of solving issue, they just sent me a generic message and asked me to contact technical support. I made many calls to the number listed on their website XXXX XXXX XXXXXXXX but they told me they don't have technical support. Many times I was put on hold for hours then they hung up on me. The bank alert system does not work as intended and will provide no protection to consumer. This is a very serious risk. Despite many calls to notify the bank of the issue, they disregard my concerns and never attempt to fix the broken system. I am not also able to see any pending transactions when logging into my online account.
Product: Credit reporting or other personal consumer reports

My information with Equifax has been breached and here is my proof and they refuse to delete these accounts : XXXX XXXX - acct # XXXX XXXX XXXXXXXX - acct # XXXX XXXX  ( XXXX  ) - acct # XXXX Please delete these accounts from my credit report immediately as I was a victim of this data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

I initially gave a merchant a down payment on Capital One MasterCard for the installation of a wood fence on my property. The fence was not completed but the company charged the remaining balance to MasterCard without my approval. I immediately contacted Capital One and they initially charged back the merchant I sent in a statement and an estimate for the completion of the fence by Capital One stated that they did not receive the estimate by the deadline. When I called Capital One about this they then stated that the estimate was not legible and closed the case. I called again about this charge and was told that since the dispute was closed MasterCard will not look into my claim again. MasterCard knowingly gave a crooked merchant unauthorized money after being told to stop the payment. I was ripped off by a thief with MasterCard 's help.
Product: Credit reporting or other personal consumer reports

Installment loan was opened fraudulently in my name the name of this company is kickoff lending llc i have tried multiple times to get this issue resolved but had no luck. i did not open this account under my name please delete immediately. 

kickoff lending llc Account # XXXX ... .Balance {$24.00}
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification under FCRA To whom it may concern, I recently disputed the accuracy of certain information on my credit report and received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : XXXX XXXX XXXX ( Care of XXXX XXXX XXXX ), XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason for Dispute : This account is inaccurate. It is reporting inaccurately. The above-referenced account number is related to the most recent account number reporting to my consumer credit profile since my personal information was impacted and exposed. This exposure resulted from the recent Equifax Data Breach. You will notice that the information from the original creditor does not match my actual reported account numbers ending in XXXX and XXXX. This account is must be deleted immediately. 

2. Account Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason for Dispute : This account is inaccurate. It is reporting inaccurately. The date of XXXX XXXX is incorrect. The High Credit amount is inaccurate. This account must be deleted immediately. 

3. Account Name : XXXX XXXX XXXX XXXX, Credit Bureau Dispute, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason for Dispute : This account is inaccurate. The dates of First Delinquency and Last Payment are incorrect. This account must be deleted immediately. 

4. Account Name : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason for Dispute : This account is inaccurate. The above-referenced account number is related to the most recent account number reporting to my consumer credit profile since my personal information was impacted and exposed. This exposure resulted from the recent Equifax Data Breach. You will notice that the information from the original creditor does not match my actual reported account numbers ending in XXXX and XXXX. This account is a result of identity theft on account of the Equifax Data Breach. This account must be deleted immediately. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I understand that I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' FCRA Section 607 ( b ) also requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports.

Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

I appreciate your prompt attention to this matter and look forward to your detailed response as required by law.
Product: Debt collection

I opened a line of credit while paying in the check out at XXXX clothingXX/XX/XXXX for around $130 after providing my social security number. I thought the bill was paid as I continued to receive mailings, online orders and coupons at my current address. I discovered in XX/XX/XXXX the bill was not paid, had additional late fees the account was sold to a debt collector. I have found out my XXXX XXXX XXXX bill and credit card was being sent to a combination of my old and current addresses so I was not receiving any mail from them. XXXX XXXX  will not accept responsibility for the error and is not able to wave the late fees or recall my debt from collections as it is not their account any longer and asset recovery solutions is not willing to accept less than $XXXX to clear the debt. I still have not received any mailings from asset recovery solutions because they are using the address provided by XXXX XXXX XXXX. I do not believe this error is my fault in any way. I do acknowledge I opened the account near the amount of $XXXX but due to a clerical error on the behalf of XXXX or XXXX XXXX XXXX my credit score has gone from XXXX to XXXX over the course of a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  does not have a credit score for me which is hindering my credit utilization it's getting really difficult with all three credit places that I don't have a credit score yet
Product: Debt collection

I receive repeated text messages from MRS BPO LLC and phone calls from their number telling me to call them. The text message is as follows : " XXXX, Contact MRS BPO LLC regarding a matter with XXXX XXXX XXXX XXXX XXXX The MRS is a collection agency. Text : https : XXXXXXXX XXXXmy phone number or Reply Chat Call : ( XXXX ) XXXX XXXX  : XXXX Opt Out : Reply STOP XXXX XXXX XXXX '' First of all, I don't know XXXX ( Sometimes the name is spelled XXXX ). Second of all, I have no business with any company called XXXX XXXX XXXX XXXX Third, I have no debt in collections. Fourth, if I had something overdue, the company to which I owed whatever it was would send a letter BEFORE some collections agency and they would nottify me that it is being sent to collections. 

I have reported this as a scam call/text to wireless carrier. I have reported it to the FTC do not call complaints. There are lots of people complaining about getting this same text on the internet. I will not call this company because, although the company may be legit, all of the numbers/links in the text may be fraudulent. Nobody knows if they are actually calling the real company or the real company is texting. This text message and phone calls have come on the heels of hundreds of scam calls ant texts that I have received in the last three months, which I have also been reporting. 

Last month, several people at my business received e-mails on their work e-mail from what appeared to be this company regarding other debt collections for various companies none of them had done any business with. 

The complaints about this company on the XXXX  Website have skyrocketed in the past year. Before that they had many fewer complaints. Someone should investigate whether this company is being spoofed by scammers
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Debt collection

As seen in the copy of the attached Letter Re : Collection Attempt on Behalf of XXXX XXXX, dated XX/XX/XXXX ( the " Letter '' ), the attempted collection action is ( i ) inaccurate, ( ii ) fraudulent, ( iii ) time-barred, and ( iv ) illegal. 

First, the alleged amount owed stems from bad-faith corporate acts meant to scam customers out of money for a company 's own failings that occurred in XX/XX/XXXX. This has previously been dealt with ( see Exhibit A of the Letter ) as of XX/XX/XXXX. I had set up autopay on my electric account and they had previously billed it monthly. For some reason, they decided not to do so in XX/XX/XXXX and instead tried to hide the fact by failing to communicate with me so I incurred late fees. These acts were, at best, grossly negligent, or, at worst, intentionally fraudulent and committed in bad-faith. Either way, the Letter was sent to their collectors in XXXX and this issue was resolved at that time with no further action -- likely because they realized the illegality of their activities and the malfeasant nature of XXXX XXXX 's actions. 

Second, XXXX XXXX was notified of this back in XXXX and this issue had previously been resolved. Now, they have fraudulently reported that the amount was owed in XX/XX/XXXX -- a deliberate attempt to circumvent Texas law that time-bars their collection ability. Texas law time-bars collection activity after XXXX years. Accordingly, had they admitted the original date -- XX/XX/XXXX -- they would not have been allowed to report the collection item. Accordingly, they intentionally misrepresented that an amount was owed as of XX/XX/XXXX in a facially transparent attempt to circumvent the law. 

Third, as XXXX XXXX was previously notified and this issue was dealt with, combined with the fraudulent reporting date, this act is fraudulent and illegal on its face. 

Formal notice has been sent to their collector agent, XXXX. However, given the unscrupulous nature of their fraudulent activity thus far, I'm ensure all available actions are taken to get this collection amount removed from my credit report and see to it that their fraud stops.
Product: Payday loan, title loan, or personal loan

As of XX/XX/XXXX XXXX XXXX also USA Discounters refuses to terminate my account and refund overpayments since XXXX, they are keeping my account open and taking payments for over 7 years. This company 's location in XXXX Maryland has closed-file bankruptcy and working under new name. XXXX is responsible for managing the direct deposits and tranfering funds with additional fees on old outdated yet active accounts. 

I reporting that XXXX as fraudulently accepted deposits in overages of {$7000.00} if not more. The XXXX implied that there is no contact information for USA Discounters Nor XXXX XXXX only account information, and deatiled information for me ( social Security and Date of birth. 
I want this investigated for fruad. and money owe to me all refunds.
Product: Debt collection

For the past few months, I have gotten phone calls and at least XXXX letters ( dated XXXX XXXX 2015 and XXXX XXXX 2015 ) from an outfit called Meridian Financial Services , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX, phone numbers : XXXX XXXX. It turns out that this is a Timeshare company and they claim I owe them {$600.00}. I do n't owe these people anything. I 've never owned a timeshare and never will. They 've called me at home after XXXX and they 've called me early in the morning. 
I 've told these knuckle-heads that I do not own a timeshare and to take me off their calling list. And each time they say that they have removed me, but a few days later, I get another letter or call. 
The last time I talked to someone named XXXX and I also talked to the someone who claims to be the Account Manager : XXXX XXXX. I was not very nice to them and I demanded that they stop writing and calling me. I 've had it with these clowns.
Product: Credit reporting or other personal consumer reports

I am in the process of refinancing my home equity loan. From the time I hung up the phone with my bank at XXXX on XX/XX/2024 to the writing of XXXX XXXX I have received no less than XXXX marketing phone calls from financial institutions. My cell phone is on the XXXX. I have been almost unable to utilize my cell phone for the last XXXX days. This has to stop.
Product: Debt collection

Midland credit management after harassment for the past 2 years has filed in XXXX  court to sue for a debt they are very aware is not mine. As well as being aware Im a college student working XXXX jobs and barely getting by they are still acting in a discriminating manner to attempt to seize fund they both know dont exist and do not belong to them. This has already been filed for fraud and they ignored, this case has already been dropped for lack of evidence in XXXX separate counties due to their negligence and spread of my personal information without my consent and now they are again asking me to take time off of my already struggling income to pursue their lawsuit in court. They have on many occasions attempted to coerce a statement and have not been fully transparent on multiple grounds. They havent even reported accurate information in regards to the file. This harassment has taken a mental tole on me and pulled me both away from my academics and job when this company is well aware this was a fraudulent file opened months ago hence why it was removed from all reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding On XXXX2021There have been fraudulent Inquires on my credit report. to this day over 60 days later I have not received a response yet. please remove the Inquires from my credit report They should be deleted before further action is taking I will file for litigation. Please resolve this matter I feel I'm impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

XXXX Harassing, oppressive, or abusive conduct. 
" Per the CFPB, " If you believe a debt collector is harassing you, you can submit a complaint with the CFPB. '' Person/party who stands to gain monetary : XXXX XXXX XXXX Person/party responsible through whom actions were/are initiated/directed : XXXX XXXX XXXX FL Bar # XXXX of XXXX XXXX XXXX, XXXX, XXXX Service Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Office : XXXX Cell XXXX XXXX XXXX No Text Messages Fax : XXXX For more than 3 years, as materially documented with the CFPB, XXXX XXXX XXXX has himself impersonated a bank XXXX XXXX XXXX has also DIRECTED more than 30 other individuals ( public servants and non public servants ) to take part in his impersonation of a bank, as an injured party to who it has been stated by the " actors and actresses '' that the bank is an injured party, in the amount of approximately {$140000.00}, and that I, a consumer, am responsible for that injury. 

I, the consumer, have contacted the bank of interest named by XXXX XXXX, US Bank National Association, multiple times, most recently 10 times directly, since XX/XX/2022, OFFERING TO DISCUSS and agree to PAY the bank any amount that XXXX XXXX has stated to me in writing that the bank is owed. 

US Bank National Association has failed to respond to me zero times over the past three years. 
US Bank National does not respond to me to collaborate ANYTHING XXXX XXXX XXXX has sent me and has directed over 30 other people to send me ( all have been using the United States Postal Service System ). 
I can submit all tangile proof, pictures, copies of all material documentation, they have sent to me by USPS mail soliciting, intimidating and threatening actions against me to pay to XXXX XXXX andcthe law firm he represents. 

XXXX XXXX XXXX has been impersonating XXXX BANK XXXX by using the XXXX system to seduce, oppress, threaten and harass me into paying him monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are not responding to any of my numerous requests to investigate and remove accounts from my credit reports that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me with this account, its paid in full and shows late payments from XX/XX/XXXX to XX/XX/XXXX. We did make the lower modified payments they asked for FHA Loan.We have XXXX kids and this is hurting us whenever we go for a car loan or refinance a mortgage. Please kind help us and our family will be thankful to you I am not satisfied with their reporting to Credit Bureaus because they are using an old code. The AC code was the closest fit so they used that to damage our credit history. XXXX XXXX XXXX executive, confirmed that it reported borrowers who made timely payments before and after agreeing to loan modifications as making only partial payments. Presumably, the bank used the AC code, which damaged the credit of many borrowers. The fact that the AC code signals that a consumer has made only a partial payment. 

That had a significant impact on the score with a good credit because I made all of their payments on time. The new CN code signifies a loan modified under a federal government plan similar to the one we had under Obama FHA Loan Modifications. It should have no impact on credit scores. So thats what they need to do. Change the code To CN
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit reporting hard inquiries done without knowledge and inquiries without approval. I called transunion for help to remove them that inquiries are not approved by my consent that was pulled without my permission they said it's not a mistake and won't help me to remove hard inquiries from XX/XX/2020 to XX/XX/2020 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 bank In Violation of My Credit Profile that has Damaged my credit reports to 8 credit reporting bureaus and had credit scores of XXXX Excellent credit that now I cant get any type of credit Approvals