23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Fair Collections & Outsourcing claims to be acting on behalf of another company but has failed to provide any signed contract with that company, nor have they produced a transfer or assignment agreement proving they have the legal authority or power of attorney to collect on its behalf. There is no documentation supporting the existence of an alleged contract or debt, and no proof has been provided since XXXX despite multiple requests. The agency has also repeatedly ignored my XXXX-related communications. Without a valid assignment from the original creditor, they have no legal basis to collect this alleged debt and are in violation of federal and local consumer protection laws, which require them to verify their authority to collect, including furnishing proof of assignment.
Product: Credit reporting 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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

I received a notification of a debt that went to collections for the company XXXX XXXX XXXX for {$660.00}. I called the collections company and they informed me that the account with XXXX XXXX XXXX was opened on XX/XX/XXXX and the service turned off on XX/XX/XXXX. They provided the account number and address of the service I supposedly owe and it is located in XXXX, XXXX. I am located in XXXX, XXXX  and I have never lived ( or even visited ) XXXX. 
The mentioned company provides solar and wind energy to homes and I do not own a home, I am an apartment renter. 

Through one of my credit score providers, I also found out that my name is linked to 3 different addresses in XXXX, again, I have never resided in XXXX.
Product: Debt collection

This company Portfolio Recovery Service is a nightmare ... You're free to check my credit report, I absolutely pay my bills, but these people are completely unknown to me aside from calling me several times a day ( including before XXXX ) ... They say nothing but I can hear the line is open, I call the number back & all I get is a recording that identifies the caller as Portfolio Recovery Service , which then leads to an endless loop of no information ... This is a business phone they're harassing me on, which of course detracts from my ability to just ignore them, but they're costing me money now and it needs to stop ... This company must have hundreds of phone numbers because they ALWAYS call from a different number EACH & EVERY TIME ... I don't know of any legitimate businesses that wouldn't think a phone number change would be a nightmare ...
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 {$550.00}, XXXX {$0.00}, XXXX XXXX {$8700.00}, XXXX , XXXX & XXXX {$100.00}, XXXX , XXXX & XXXX {$100.00}. has violated my rights. All three credit agencies have different reporting scores and in correct information. I have requested to have all this reporting to be removed several times to the credit agencies and not removed. XXXX XXXX  was only removed in Equifax. XXXX XXXX has not yet provided what this the collection debt in question. All three credit agencies should also have my name XXXX XXXX XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have mailed and called to request for my information to be accurate and no resolution. 

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 an 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 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I've receive a call from this number twice now. I XXXX  the number and it was to the collection agency that I've already settled the debt with and has also been verified on my credit report. The issue is they ask for my name but they would not identify who they are associated with. They immediately call and ask for my name and if they are speaking me. But, both times I communicated I would like to know who they are and to identify the company they represent. Both times they shut down and this last call as soon as I asked they hung up on me.

Their means of communication is very suspect. Their means of handling debt claims is very unorthodox as well. I never received a notice in the mail or an explanation for the the dept or who turned in the debt that I allegedly owed. I just paid the XXXX  dollars to get it off my credit report and now they are hassling me again.

I do not desire reparation, I just want this addressed and to no be bothered by them anymore.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account. I was always on time for Consumer Reporting Agencies, which have assumed a vital role and are responsible for reporting Consumer information to the best of their ability with Maximum Accuracy. This account already shows paid in full in my credit report with late payments that never were late : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof of statements showing that these payments were late. If evidence can't be provided, I demand these payments be updated on time as they should be, as I was NEVER be late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full BOTH of my XXXX XXXX XXXX cards, at the SAME TIME years ago. This was to close both accounts after they allowed someine else to fraudulently change my address, refused to give me access back into my account, and then tacked on late fees when I could not recieve or access my bills. I had moved to the XXXX and someone contacted them and sent my account to a random POBox! I even spoke to them on the phone after the PIF to close because they kept trying to send me small bills with " fees '' after the PIF that were " processing fees ''. These " fees '' piggy backed off of eachother and I had enough. Here I am years later and 1 card is still showing a charged off balance, not a paid in full. Now, they have placed this as an existing line of credit being utilized and is impacting my credit score! They even hit me with a " late payment '' last month. Late payment for what?! I do n't have an account! I make every payment on time, this is crazy! They also only reported it to 1 of the 3 credit reporting companies when they did this new fraudulent move.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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
Product: Payday loan, title loan, or personal loan

I called lending club back in XX/XX/XXXX. XX/XX/XXXX to cancel my auto pay. I was told it was canceled. fast forward 6 months later, lending club without my authorization tried to pull money of out my account without me knowing it. I then called lending club, they said they would review the calls and get back to me. no one got back to me. I called again and was told there is nothing I can do. lending club makes you keep the auto pay on, clearly breaking the law. my loan number with lending club is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT XXXX XXXX opened on XXXX XXXX XXXX with a balance of {$4500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

6. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$41000.00} -This is not my account. 

9. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- PERSONAL LOAN 11. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

14. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account.
Product: Debt collection

Since XXXX I 've been receiving calls from a debt collection company, Chase Receivables. 
Their number is XXXX XXXX XXXX Their website is XXXX I 've checked with my XXXX banker and they 're not affiliated with XXXX XXXX They say I have a delinquent account They wo n't ever say what the account is because they say it 's federal law that I need to verify my identity first They tell me that I have to provide my DOB or my SS # When I do n't provide it they say that they need to make a note in my file that I 'm " refusing to verify. '' When I tell them I 'm not providing any information unless I see something in writing they say that they 've sent me mail, which has been returned They call regularly and when I do n't pick up they never leave a voice mail
Product: Credit reporting or other personal consumer reports

I previously submitted the below dispute. You failed to conduct the proper investigation correct errors. The below account is still showing late by 30 days in error. 

XXXX XXXX XXXX XXXX XXXX XXXX - PAST DUE 30 DAYS Notice of Dispute under 15 U.S.C. 1681 Inaccurate Reporting of Late Payments I am writing to formally dispute inaccurate information you have reported regarding my account, in violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. Specifically, your company is inaccurately reporting that I was 30 days late on payments for XX/XX/XXXX, XX/XX/XXXX. The month of XXXX is not over and its impossible for a payment to be reported as 30 days late as of XXXX XX/XX/XXXX. ALL PAYMENT WERE MADE ON TIME. Per 15USC 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information included in consumer report Please update both XX/XX/XXXX and XX/XX/XXXX to paid on time. If this matter is not resolved satisfactorily, I am prepared to take further action, including legal action. Provide me written documentation of your findings. 



XXXX XXXX XXXX XXXX XXXX XXXX - PAST DUE 30 DAYS
Product: Credit reporting or other personal consumer reports

After looking at my credit report, I noticed some billing discrepancies. The late payments mentioned are not in line with my regular payment habits. Please correct and update my account.
Product: Checking or savings account

I have been having an ongoing issue with TD Bank going on for XXXX  years now. TD bank has been sending my personal banking letters and leaving messages for years that are meant for me to my divorced/former marital home instead of me. 

I have repeatedly called and have went in person multiple, multiple times during the XXXX  years for this issue. They tell me my new address and phone number have been updated and that the old address and phone number has been removed but this never seems to stay deleted/removed. 

They continually tell me and when you will be reaching out, they will tell you the same as I have been hearing for the last XXXX  years that, " it has been done, all has been updated and that only my information is all that they see on there screen '', but if this truly was the case, I would not have to be filling a complaint that my private information is going to a wrong address and messages being left on others peoples lines that are meant for me. 

A recent example of this being ongoing is, when I purchased a CD XXXX ago this year XXXX  and the branch manager at that time also still saw my ex 's information ( which has been deleted multiple times up to that point ) still in there system. He proceeded to delete my ex 's information yet again and again I was told " not to worry that it had been updated/removed and this won't happen again ''. Then just this week Tuesday XX/XX/year>, my ex received a message on his line about My upcoming CD maturing. Why is this happening when it has been countless of time that his info has been deleted?? 

Clearly there system keeps repopulating deleted info causing this Privacy Violation of my personal business to keep happening each and ever time, year after year. Not sure why there system is doing this, but This Needs To get this Corrected and Quick because having my private business being send to others is not something that should be happening to anyone especially for XXXX yrs. 

TD bank can verify and confirm All that I am saying because I am sure they have call logs and correspond logs when they send out and they can go back and see exactly where they have been calling and mailing My Private Information to. 

I am mortified that my private information and my person business is being shared with others because there system can't keep/save any updates or permanently remove information and not to mention potential identity theft that can occur from my personal information getting into the wrong hands.
Product: Debt collection

On XX/XX/XXXX, I suffered XXXX and was transported by XXXX to an emergency room by ambulance from XXXXXXXX XXXX TX Fire department. XXXX, my insurance, paid the bill on XX/XX/XXXX and XXXX XXXX XXXX accepted the check. There as a negotiated discount with XXXX and XXXX XXXX with XXXX XXXX determining the allowable amount. See attached settlement letter. 
XXXX XXXX XXXX ( for XXXX XXXX XXXX ) kept billing me for the discount. Each time I called they said they would discuss with XXXX. XX/XX/XXXX, they sent a final bill to me and sent the amount to collections. See attached invoice. 
In XXXX, XXXX I sent the settlement letter to Merchants and Professional Collections Burea, XXXX TX, who is trying to collect for XXXX XXXX XXXX, to prove the debt is paid. I told them to call XXXX if they do not accept the settlement. 
XX/XX/XXXX, Merchants and Professional Collections Burea reported the debt to the 3 credit rating agencies. See attached letter.
Product: Credit card or prepaid card

Wells Fargo VISA has denied me any and all information about activity on my account. The activity I 'm referring to is payments I 've made to WF Visa over the past 2 months that should have resulted in paying my balance in full or perhaps having an amount due to me. The denial has come in the form of not allowing me access through WF online banking nor sending me statements in the mail even after a written request from me in late XXXX. I believe that Wells Fargo 's withholding of the aforementioned information is illegal or unconscionable at best.
Product: Credit reporting or other personal consumer reports

After going back and forth this entire year with Equifax since reviewing my credit report earlier this year and finding fraudulent accounts opened under my name that I had no knowledge of.. 

I have mailed in the documents requested from me and have not seen the corrections that need to be made on my credit report. I spoke with many customer service representatives of Equifax and made disputes over the phone. 

I was told to also write a dispute letter and send them certified mail to their headquarters where it can reach their dispute department. 

Being told that after their investigation is complete I would receive an update with the corrections made, yet nothing was done to fix their mistakes. Equifax is misinformed with the " verified '' information regarding the accounts I have disputed with them. Even after asking for the physical validation proof that the debt they claim is mine, they continue to neglect their duty to adhere to the FCRA and do not make the corrections to fix their mistakes! 

The following accounts listed below are unverifiable, inaccurate, misleading, and unlawful to report by Equifax and MUST BE DELETED IMMEDIETELY : XXXX XXXX - XXXX XXXX  XXXX XXXX, XXXX {$2700.00} XXXX XXXX XXXX XXXX, XXXX {$3900.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$2100.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$33000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00}
Product: Debt collection

I agreed to a 1 year insurance policy with XXXX XXXX ( XXXX / XXXX XXXX, CA XXXX ) for my condo unit in XX/XX/XXXX. 

In XX/XX/XXXX I began to receive notices of past due amounts for a renewal of this insurance policy. I notified XXXX via telephone and email that I no longer wanted their services, thus the reason why they had not received a renewal payment. The reason why I did n't want to renew with them was due to their lack of attention and detail to my account while I had them. 

I then began to receive past due notices in XX/XX/XXXX from another representative in their office XXXX ( XXXX ) asking for the same amounts be paid, however I had told them I did n't want to continue with their services yet again in XXXX. 

On XX/XX/XXXX I received a notice in the mail from Credit Collection Services ( XXXX ) a collection notice in the amount of {$130.00} from this XXXX office. I immediately contacted XXXX who said she would have their office manager ( XXXX ) contact me regarding my concern ( she has not returned my calls ). She also said that I just needed to send her an email saying I have another insurance policy with another company and they would excuse the amount due. 

My concerns are the following : * I notified this office several times to cancel and they did n't. 
* They are billing me for services I did not want and are now sending me to collections. 
* They are unable to explain in detail how they calculated {$130.00}. 
* XXXX is now asking that I provide proof ( signed contract ) that I signed up with another insurance company before she removes the claim.
Product: Student loan

As of XX/XX/XXXX my loan payment through MOHELA was indicated as {$210.00}. This was not a problem and I could pay it without any issues. I made the payment without any problems. Then I was notified that my loans were in forbearance until XXXX. 

It is now XX/XX/XXXX and my loan amount has somehow jumped to {$350.00}, which is {$140.00} more than what I originally agreed to paying. I have applied for an income driven repayment plan at this point But this is unethical and wrong on MOHELAs part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.