23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX in XXXX notified me, a renter, that the landowners meter that was over XXXX years old and equipment owned by the XXXX XXXX XXXX was not reading correctly a.k.a. XXXX, being me was being assessed charges that XXXX XXXX Claims that they can not validate in any way is a correct amount that should be paid, but calculated the usage of the home, which was empty for 8 months before I moved in and came to the average of the neighborhood and assessed me over XXXX dollars was owed. I filed a dispute with the Iowa Utilities board in which I agreed in XX/XX/XXXX to pay XXXX for. On XXXX XXXX I was given a disconnect notice for that ageed amount and forced to call XXXX XXXX to " make Arrangements '' to pay. I emailed stating I would pay XXXX a month extra a month until it was paid and my monthly bill. In turn a employee by the name of XXXX stated she could n't write the agreement up that way the computer was n't allowed to but she I quote you stated '' But I can fix this and write up the agreement for you '' So she returned the agreement. Me believing that I had to pay the monthly bill by XXXX XXXX, which I paid my monthly bill and had to start paying the XXXX dollars. What the employee did was slip in not only my monthly payment, but I would also pay an additional XXXX dollars and they she wrote the agreement that the additional XXXX would be paid by XXXX dollars, totally rewriting the debt in full after agreement was made to pay XXXX. Then when the error I pointed out to them from XX/XX/XXXX-XX/XX/XXXX the XXXX XXXX against the Utility board settlement agreement renigged on that deal to find out, all along they were charging me incorrectly as they sent me a notice to pay state taxes as a renter for the usage of electricity because XXXX XXXX was not charging me residential prices, but they ahd been charging me based on a Business rate. When I called to place this in my name they were told it was residential use, they were told several tmes I am a renter not running abusiness. So the entire bill itself from XXXX XXXX until XXXX of XXXX I was being charged as a business rate not a resident which make the whole XXXX debt wrong. They have falied to listen they have failed to do anything but now send collection people after me and damage my credit they breached the deal and over charge dme and charged me for months I was n't even living there, They were blling me and the bill shows for two months before I was even a renter. I signed and moved XX/XX/XXXX They are charging me for XX/XX/XXXX through XX/XX/XXXX on this business rate and business rate from XX/XX/XXXX Until I was notified of state taxes due for business rate XXXX. Illegal billing. I notified over sixty days ago alliant energy and the collect company this is a illegal debt and a breached debt on the settlement by the alliant energy they are ignoring the disputes and ignoring everything and making demand I pay them for whatever they say and are damaging my credit over it
Product: Credit reporting or other personal consumer reports

I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2.

I am contacting you as a victim of identity theft directly linked to the XXXX data breach, which compromised my personal information and has severely impacted my credit standing. My credit report now reflects multiple fraudulent accounts and unauthorized hard inquiries, leading to a significant decrease in my XXXX credit scores. Please Remove Immediately. 

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  Navy Federal Credit Union Opened : XX/XX/XXXX
Product: Mortgage

I received an email stating I had important details for Envoy Mortgage. I called the loan originator who I worked for last year as it was sent under his name. He does not work for the company anymore. Someone is acting on behalf of me trying to purchase a mortgage of {$610000.00} in XXXX XXXX. The mortgage company is not picking up at their headquarters. I did not approve of this. My social security number and birth date was stolen in an IT breach where I work at XXXX XXXX XXXX. I believe this is related.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Product: Credit reporting

A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Product: Credit card or prepaid card

First off, I would like to say that this is not the first time Chase has arbitrarily cancelled one of my disputes because I " failed to give them requested information ''. This has become a clear pattern with them, and it has to stop. In this particular case, I returned an item to XXXX, but was never given a refund ( {$130.00}, purchased on X/XX/2017 ). I contacted XXXX directly, and they said that they would issue the refund, but never did. I informed Chase of this, and gave them all of the details that I was able to - both online and by filling out the paper form that they subsequently sent. Much to my surprise, I then received a letter from them saying that I had failed to give them the information they requested, and they were unable to reach me, so they had put the charge back on my account.
Product: Credit reporting

There is a new account opened that states it 's been open since XX/XX/XXXX. I was born in XX/XX/XXXX so I would like them to fix this error before I make any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Product: Credit card

Once a card is issued at a set rate can the credit card company increase the rate if I am and have been current with all my cards for decades ( never late )
Product: Credit card or prepaid card

I used a synchrony card to buy a bicycle to commute to work and train. The amount was XXXX. I was given a year to pay it off with no interest. The minimum was XXXX. I paid XXXX and sometimes more for a year. When the year ended I had about XXXX dollars remaining. XX/XX/2023 I was slapped with a XXXX dollar charge. This was the date the zero interest deal expired, making the amount due over XXXX. I paid off the entire outstanding bill. 

I am troubled by two issues. First, I am a father and a husband. If one of my children had bought a bike for college, they could have easily fallen prey to such chicanery. Second, I was charged a late fee for the first payment despite never receiving any details about the bill and who to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave this company consent. This company is violating my federally protected consumer rights to privacy. This means they are breaking the law. Pursuant to 15 U.S.C 1681b ( g ) this company does not have permissible, also pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) a financial institution may not disclose nonpublic personal information to nonaffiliated third parties.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively XXXX My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law XXXX XXXX. XXXX : XXXX XXXX  XXXX Fair Debt Collection Practices Act : XXXX : XXXX  On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

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

It was revealed in my credit report that a collection account is fraudulent that I did not authorize. I would like this accounts immediately remove from my XXXX, Transunion, and XXXX credit report : Account name : XXXX XXXX XXXX Acct number : XXXX Date open : XX/XX/2023. THE ACCOUNT IS STATED OPEN BUT IS IN COLLECTIONS. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

Under Communication tatics you do not have faked caller ID so I also selected the second problem. The fake caller ID representation. Is most important to me I have received many calls that ended up being from a debt collector calling from the number XXXX. So I returned the call and it was not in service. SO since this debt collector is doing this, he can lie aand state I never responded back to their calls. I even have all saved voicemails and a phone call when I asked him I tried calling the number on calle Id and he said why didnt you call the number he left in the message. So i said who would. Thats the reason for caller ID I asked then why are you faking your caller ID number. On the recorxing he states it doesnt matter. He also states in his messages to look better in court that " We have been trying you for several months '' Its a scam to proceed to court quickly and its wrong to fake the caller ID of a debt collector because its considered falsifying who you are
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX my student loans were 100 % forgiven. Six months later that information was finally removed from my credit report. As of XX/XX/XXXX, my student loan debt has returned to my credit report. I disputed this with experian with the PSLF forgiveness letter as proof and was told it might get removed by XXXX XXXX XXXX! How is this possible?!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/ XXXX  is in Violation of 15 USC 1681b-Permissable purposes of consumer reports ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to who it relates. 

I never gave Equifax or XXXX  any consent to report anything on my consumer report, No consent is identity Theft. Attached is a copy of the law. 

Concerning the account listed below as a consumer I'm demanding a deletion of this account immediately or I will seek damages in small claims court in my city and state. As the original creditor only I can validate the debt. I Do not Validate this debt. Please Delete all accounts from my credit profile immediately in the amount of {$2100.00} and {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that reporting on my credit thats not mines and old information over 7 years that's no mines as well. I really need help I received a letter from XXXX account XXXX stating they will delete the account if I pay 50 %. I said no because its not my account. I believe the system is designed to hold you back and make money from the consumer. Accounts not mines reporting on my account. 
XXXX XXXX acct XXXX XXXX XXXX XXXX year XXXX XXXX XXXX positive Experian, negative on XXXX year XXXX XXXX XXXX not mines and it has XXXX XXXX year XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX not mines XXXX the XXXX XXXX XXXX not mines don't know where it came from
Product: Debt collection

Hi, since XX/XX/2023, I have been fighting XXXX because someone using Identity fraud was able to obtain a loan. XXXX BANK has XXXX XXXX DISPUTES on TRANSUNION and XXXX here CFPB but since XXXX pays transunion for advertisement. They have added the Identity theft report after I won 4 times just on transunion. I also won on all the other bureas which is why they are not listed there. 

I attempted to go back to the disputes I won and have found that transunion has changed the past. How? well they edit there previous dispute defeats to say something else. Which means they have access to the CFPB database but good thing for the internet someone always saves. I have screenshots of what was mention before ( an apology ) to what is mention now on all XXXX disputes. You guys are breaking laws left and right. keep on doing it. This will lead toa even bigger case against transunion. Good job idiots. I will not be posting those edits until i am ready to sue. We will keep these documents secure for now. Hopefully you recall what you said and can go change them all back before the case if not I will see you in claims court. Thanks for the money ahead of time. Make my life worst for something I had no control over. Piece of XXXX since there actions have lead me to lose my XXXX XXXX XXXX at all bureaus and they know its against the law. 

Even wallet hub managed to notice which i will post that image. You are not doing a good cover up job. My phone number was ported out and my system was hacked which i have proof and backed up by my bank that other IP address was accessing my account during the time of XXXX. I myself had XXXX USD stolen. which I have proof of. Do your self a favor before I sue for millions and stop breaking the law. By re-adding Identity theft on my report.
Product: Debt collection

They said this was opened XXXX. Original creditor was XXXX XXXX XXXX. The amount was {$990.00}. It is now Credence Resources Management collections. I have contacted them to let them know this is not mine. I do not or haven't had XXXX XXXX  They do have my information though. They wanted me to send documents but I have no documents on this because it is not mine! I did not even know it was there till I checked my credit score. I have XXXX and have had it for years. How can I prove that this is not mine when I have no documents or anything about this!? If you check my credit you will see that it is good and has been for years. I don't know what else I can do or say.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.