23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

RECENTLY CHECKED MY CREDIT REPORT AND NOTICED A FRAUDULENT ACCT AND SOME INQUIRIES THAT I DID NOT AUTHRORIZE. 

XXXX/XXXX  ACCT NUMBER XXXX AMOUNT {$510.00} ACCT OPENED XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Product: Debt collection

franklin debt collections has posted a of {$310.00}, from XXXX XXXX XXXX, that is not mine. I don't subscribe to this company.
Product: Mortgage

2009 Bank of America hired a company called XXXX  out of California to forclose on our home ; XXXX  was never licensed in Arizona. 

Bank of America forced us to sign a bad loan modification
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Account name : AFFIRM XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account XXXX : XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX, Account Name : XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Portfolio Recovery Associates, LLC knowingly opened collections accounts on XX/XX/XXXX without sending out any type of initial notice of debt, also the accounts were included in my Chapter XXXX Bankruptcy. 
PRA then attempted to file claims in my Chapter XXXX case after the 341 creditors meeting on XX/XX/XXXX and XXXX, XXXX that were denied as untimely. 
PRA admits they failed to send out initial communications on XX/XX/XXXX, but alleges sending out an initial communications on XX/XX/XXXX. 
During a telephone call on XX/XX/XXXX, PRA firmly states they can not prove they sent out any communications, but refuses to remove the fraudulent collections from my credit file.
Product: Debt collection

In a letter to XXXX XXXX XXXX, dated XX/XX/2019, I specifically requested proof of the alleged debt and the complete account history for the derogatory information this company is currently reporting to the credit bureaus. XXXX XXXX XXXX failed to provide me with the information I requested. Instead, I received an offer for settlement from SRA Associates LLC. Secondly, I specifically requested a contract or other instrument bearing my signature proving I was legally obligated to pay this debt and that it was my account. The company failed to provide this information as well. Without a signed contract or other instrument bearing my signature that created this debt, the company failed to provide me with proof that I am legal owner of this debt. Thirdly, your company failed to provide proof that it is a legal business, authorized to do business in the State of North Carolina. I am submitting this complaint because I am concerned that both businesses, XXXX XXXX XXXX and SRA Associates LLC are in violation of the FRCA by reporting inaccurate information to the credit bureaus and are engaging in fraudulent debt collection practices. Under 812 of the FCRA, furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe both companies are engaging in deceptive practices because both companies are attempting to collect the same alleged debt. In addition, neither company has provided me with proof or verification of the debt. According to 1692e, [ a ] debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of any debt. 

This company is engaging in unfair and potentially fraudulent debt collection practices, and company has failed to provide me with proof that I have a legal obligation to pay their company. I am filing this complaint as a last ditch effort to resolve this issue before I pursue litigation in accordance with the FCRA, as I will be enforced to seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617, due to the company 's willful and negligent noncompliance.
Product: Debt collection

I contacted the company on  XXXX     2017 after a collection letter was mailed to my mailing add ress, they told me that amount that I owed for  XXXX   XXXX   XXXX  even thought I knew that the amount was less that they were telling me, I was on fear to this collection to be reported to my credit reports ( Which they reported anyways ) after I saw the collection on my credit report I called them and made an verbal agreement to Pay To Delete after the debt is paid off and I agreed for a monthly payment of {$94.00} on  XXXX / XXXX  /2017 a  first payment was taken on that day and 3 days later they took the other amount without warning on  XXXX / XXXX /   2017,  I called them back and they said that the agreement was on the first of each month so they took the money, since I want this account out of my credit report I agreed to the first of each month to the amount of {$94.00}, today  XXXX / XXXX /   2017 th is compa ny without warning took the amount of {$180.00} causing my account to go to negative state and results of NFS charges I called them and I was told that was in the agreement and to fax copy of my bank statement to them which I did. The represe ntative was very nice but refuse to listen to my problem. I was never told by phone that I have the right to dispute this debt but as a citizen I paid anyways to avoid annoying phone calls.
Product: Debt collection

I received a call from phone # XXXX, they stated a name ( someone else ) and asked if I was that person. I told them " wrong number ''. 

Since I registered on the National Do not call list, I called back the XXXX which began with a prompt " This call is being recorded '' and obtained their mailing address. I informed the rep that my number is on the National Do not call list and would be reporting them. I looked up the information they provided and determined it's a debt collection Asset care LLC XXXX XXXX XXXX XXXX tx XXXX dept XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INQUIRES THAT I DO NOT RECOGNIZE OR DID NOT AUTHORIZE AND THE CREDITOR AND THE CREDIT BUREAUS REFUSED TO REMOVE THEM. PER 15 U.S. Code 1681b - Permissible purposes of consumer reports, AND 15 U.S.C 6802 Gramm-Leach-Bliley. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY AND I NEED TO BE COMPENSATED {$1000.00} PER INACCURATE ACCOUNT. 
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 XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

Disputed the information several times. Each time the company electronically verified the debt. I requested in writing that they provide me with validation of the debt in regards to a contract etc. They never responded and no verification has ever been provided.
Product: Credit card

I contacted this company about fraudulent charges on my Discover credit card back when i first got the credit card. I have n't made a single charge on the card. They told me I 'm not liable for any unauthorized charges on my account. I have called several times since i been back in the USA. I went overseas around the time i reported the charges and i just got back on XXXX/XXXX/16 and I filed a police report and called Discover and gave them my police report number and they said they would remove the charges and send me a new credit card and they still havent did any of that yet and its been 2 weeks
Product: Mortgage

My wife XXXX purchased a house a little less than XXXX years ago. We were approved for the loan and the appraisal was completed and we closed on the property. The house is a XXXX level property with internal stairs connecting the XXXX XXXX XXXX floors. An external staircase allowed for access to the XXXX XXXX XXXX level. The appraiser did not make any deduction in the appraisal for the external staircase. 
We refinance the house several months ago and during the appraisal process, the appraiser for the refinance did not fully recognize the sq.ft. of the XXXX floor, since you have to use an exterior staircase to access that space- essentially using a different method for appraising the property. The difference in market value is approximately {$57000.00}. I have made complaints to both appraisers and the lender- with no satisfactory actions to date. The inconsistency of the process and the seemingly arbitrary way of deciding what is allowed and what is not puts the consumer in a disadvantage especially when the consumer does not control any part of this process. I am seeking restitution of {$57000.00}.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$390.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  **** Balance Owed : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Product: Debt collection

Company call everyday, at least 5 times a day, as early as XXXX, and on weekends as well.
Product: Credit card or prepaid card

I opened this new XXXX XXXX  card issued thru Citi card in XX/XX/XXXX. Statements were set up for online billing and I didnt make this request. I preferred mailed paper statements and complained in XX/XX/XXXX, I was assured that statements would be mailed in the future. This didnt happen and the online bills went to my junk file on my computer. I received a call on XX/XX/XXXX indicating that I was 2 payments behind. I paid my balance in a payment of {$150.00} on XX/XX/XXXX and {$910.00} on XX/XX/XXXX. I was charged late fees of {$39.00} each for 2 billing dates.
I complained that I was promised that I would receive regular bills back in XX/XX/XXXX and they failed to correct my account. 
I filed a dispute against CitiCard on XX/XX/XXXX with XXXX acting on my behalf.

My 1st mailed paper statement was for XX/XX/XXXX for {$1000.00} and that amount had already been paid I spoke with my credit protection provider, XXXX, on XX/XX/XXXX about the problem. She recommended that I try to contact a supervisor at CitiCard and I finally got through to a supervisor on XX/XX/XXXX. 
I was told the problem would likely get cleared up the next week. 
I called CitiCard a couple of more times and could not get any reply. 
Today, I spoke with XXXX  to see if they had anything back from CitiCard regarding our refined dispute. To date, that have not heard any further from CitiCard, nor have I. 
The representative from XXXX  recommended that I file this complaint against Citicard through the FTC.
Product: Credit card

On this account, I have always made sure that payments are timely, never letting them become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. Corrections should be made as per 15 USC 1666b - Billing Error.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

XXXX is by far the worst mobile phone company in the nation. I spent thousands of dollars on their service and products over the years only to deal with call drops, account overages, and poor customer service. It is a small amount in dispute and they have dropped my credit score over XXXX points in a matter of 1 week. I have been working hard to build my credit over the past year just to have it ruined by a XXXX company. I will never do business with XXXX again and will persuade all of my family and friends to switch to any other carrier.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent pay off check they cashed the denies receiving it I sent a copy of proof they cashed the check and they are still play games with my money and maintain their denier they never cash the check, or give me credit and send my refund
Product: Debt collection

This evening, XX/XX/XXXX, my son received a message on his phone for my XXXX son stating that my XXXX son was being summoned to court, and he needed to call the number that was given. I called the number back myself because I represent my son whenever possible because he is XXXX unable to represent himself in most cases. The person answering the phone said his name was XXXX and he represented XXXX XXXX. He told me that my son was being summoned to court for a debt from XXXX XXXX XXXX in XXXX for a bill in XXXX. I tried to explain to him that my son is XXXX and that he was covered under XXXX and XXXX for the time in question. He argued with me and said I was wrong. I told him we had been at XXXX XXXX for many XXXX, XXXX or more and that I know there was a mistake because there are no other bills. He continued to be rude saying I would be made a fool of in court, and told me that I must be the reason my son is XXXX. I hung up the phone at that point but told him I would be reporting him.
Product: Credit reporting or other personal consumer reports

this is my XXXX attempt with XXXX, equifax, and XXXX disputing the inaccurate information on my credit report. They have violated the FCRA by not doing a reasonable re investigation per 15 usc 1681s-2 and 15 usc 1681n ; 15 usc 1681o.I am requesting the deletion of the inaccurate information from my credit report. Furthermore all of the debt has been paid per XXXX, XXXX usc XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several investment properties which I've been paying on auto pay for years. In XX/XX/2022 my mortgage provider, XXXX XXXX, transferred my loan to XXXX XXXX. I did not receive notice of this. Months later, in XXXX, by chance I noticed my credit report took a major hit due to a late payment to XXXX XXXX. 

I called them to figure out what happened, and it turned out they were now the servicer of my mortgage, and so I was late paying them because I had not realized that my mortgage had been transferred. They had an old address of mine on file, an incorrect home phone number listed that was not mine or any of my past phone numbers, the correct mobile phone number, and the correct email address. In addition, I had been receiving advertisements by email from them for months, but received no emails relating to billing or late payments. 

I immediately paid off the bill and requested XXXX XXXX  remove the late strike on my credit report, and they refused. I filed disputes with Experian, XXXX, and XXXX, and they refused to rectify the situation. Finally, I contacted an attorney, and they suggested I reach out to the CFPB. I've had a stellar credit report my entire life, and never miss any payments, and now my credit score is down over XXXX points due to this issue. I feel this is not my fault, the mortgage provider had my cell phone number and email address, which they were using to advertise to me for months, but never sent any notice of bills due or late payments.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX report, I noticed an inquiry from XXXX XXXX  that was not authorized on XX/XX/year>
Product: Credit card or prepaid card

I became a victim of identity theft in  XX/XX/XXXX    when I received emails stating phones charged to my plan, credit cards maxed out, loans applied for. I immediately called all creditors, filed a police report and submitted information through the Federal Trade Commission  one  of which was the Victoria Secret Card financed through Comenity Bank. I informed them that my information online had been changed based upon fraud and all charges were fraudulent and submitted letter through FTC to them with their affidavits. They took care of the charges and removed from my bureau. I have not lost or had any cards stolen or identifications stolen that I know of and can account for all cards for this company which I have forwarded copies to them. The problem is they consistently allowed these fraudsters to enter into their stores and continue to use my social security number for account look up so that fraudulent purchases could be made . ( FIVE T IMES to be EXACT ) I gave passwords, they overrode them and allow these crooks to have access, they allowed updates online to where phone numbers and email addresses were changed time after time. The last and final straw for me was when they stated they did not know how to protect my account and I should just close all of them. Really? Well, at least I thought that would be the final straw BUT they allowed these crooks to do it again and this time sent me a letter stating there was no basis for my claim and I must pay the fraudulent charges. REALLY? NOT! I immediately called and they stated they needed a copy of my identification, what about the other five claims filed with the same information send time after time. Why send a letter accusing the victim of these charges when it is heavily notated and communicated that my identity has been STOLEN? Nevertheless, I send another copy of front and back of my identification and other documentation certified mail this time on  XX/XX/XXXX  they showed received on  XXXX  but I had to call today and was told that they are backlogged but they will have the information sent to the  investigator  and she will call me on Monday  XXXX . I will be waiting while fraudulent charges consume my credit report and a email reflecting I owe on  XX/XX/XXXX  is in my inbox. I will wait for an apology, a clearance of ALL fraudulent charges by phone call and written letter. Also, they have closed my account which I have had for almost 10 years if not  10.  Is this an inside job at the store and/or the company. Why was access bypass to allow continuous FRAUD. if  one investigator  from the last case stated he just do n't know. I want this cleared up immediately. The current case number is  XXXX . Sincerely,  XXXX   XXXX